🧾 Income Tax Filing AY 2024–25: Last-Minute Checklist & Refund Tips
Category: Finance | Tax | Personal Money
Published by: Vizzve Financial
Updated: May 2025
📆 ITR Filing Deadline for AY 2024–25
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Deadline: July 31, 2025 (for individuals not requiring audit)
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Late Filing Penalty: ₹1,000 to ₹5,000 (if you miss the deadline)
If you haven’t filed yet, this is your last chance to avoid penalties, get tax refunds, and maintain clean credit records.
✅ Last-Minute Income Tax Filing Checklist
1. Collect Form 16
If you're salaried, get Form 16 from your employer. It summarizes your income and TDS deductions.
2. Download Form 26AS
Verify all TDS deductions via Form 26AS from the income tax portal to avoid mismatches.
3. Declare All Income Sources
Include:
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Salary
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Freelancing/Gig work
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Rental income
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Capital gains
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FD/Savings interest
4. Claim Deductions (Section 80C to 80U)
Double-check deductions for:
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LIC/PPF/ELSS
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Home loan principal & interest
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Tuition fees
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Medical insurance (80D)
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NPS (80CCD)
5. Verify Bank Account for Refunds
Ensure your PAN is linked to your primary bank account for quick ITR refund credit.
6. Choose the Correct ITR Form
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ITR-1: For salaried individuals with income < ₹50 lakh
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ITR-2: If you have capital gains or rental income
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ITR-3/4: For business or professional income
7. E-Verify Within 30 Days
After filing, use Aadhaar OTP, net banking, or demat verification to e-verify.
💰 Tax Refund Tips to Speed Up Credit
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✅ File early and correctly
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✅ Match TDS with Form 26AS
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✅ Link PAN with bank
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✅ Avoid income mismatch
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✅ Use Aadhaar OTP e-verification for faster processing
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📌 Final Thought
The clock is ticking — avoid last-minute errors and missed refunds. Use this checklist to file your ITR correctly and on time. And if you're cash-strapped while waiting for your refund, Vizzve's instant loan options are just a click away.
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💼 Plan right, file fast, stay financially strong!