Utax Filing

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Expert-Assisted ITR Filing

Personalised tax support from expert.

Best for complex incomes, deductions, and tax notices.

Ideal for defence allowances, multiple Form 16s, and transfer.

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Notice Management

End-To-End Management Of Income Tax Notices

Expert Review And Timely Response To Tax Notices

Helps Avoid Penalties, Interest & Unnecessary Tax Demands

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GST Services

Hassle-free GST registration and filing

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E-file your tax returns in simple steps

Share your tax details

Easily review and add income sources, TDS details and investment proofs. This helps to estimate your taxable income, minimize your tax burden, and receive accurate tax refund.

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Upload your documents

Securely upload your Form 16, 26AS, AIS and other tax documents in one place. We auto-organize your data to ensure accuracy, faster processing and zero manual effort from you.

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Review and e-file

udChalo’s qualified tax expert review your tax details and prepares your return. After your review and approval, the return is e-filed on your behalf giving you peace of mind.

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Gold class ITR - Premium tax filing for Hum Fauji Members

Transparent Plans

Start with a clear plan that matches your tax complexity. No hidden steps, no surprise charges later. What you see is exactly what you get before you begin filing.

Secure Two-Step Consent via OTP

We use separate OTPs for ERI authorization and income pre-fill, ensuring full compliance and data security. You stay in control of your information.

Centralised Document Upload

Upload all your income proof and supporting documents in one place — no email trails. Everything your tax expert needs is securely organised.

Expert Filing Support

Your tax expert thoroughly reviews your prefilled data and documents before preparing computations — catching missed deductions and preventing costly mistakes.

Easy-to-Understand Tax Summary

Review your detailed tax computation, payable or refund status in easy-to-understand language — no technical jargon and no blind approvals.

Track Progress at Every Step

Get real-time updates on your tax filing progress. From document upload to e-verification, know exactly where your filing stands.

Assisted Filing, Done Right

Your return is filed only after expert validation and your approval on the computation —ensuring compliance, accuracy and peace of mind.

Compliance & Accuracy Guarantee

Our experts review every detail to ensure that your tax returns are filed with 100% accuracy. Ensuring that any chances of errors or notices are avoided.

Data Security & Confidentiality

Your financial data is 100% secure with advanced encryption and end-to-end privacy measures to ensure complete security and confidentiality throughout the filing process.

What’s new in Income Tax (FY 2025-26)

Revised Tax Slabs

The New Tax Regime is now the default and offers lower tax rates across income levels. Income up to ₹4 lakh is not taxed providing relief to middle income earners. The old regime slabs remains the same.

Higher Tax Rebate u/s 87A

Taxpayers opting for the New Regime, can claim a rebate of up to ₹60,000, making income up to ₹12 lakh tax-free. The rebate limit under old regime rebate remains ₹12,500.

Increased TDS Thresholds

TDS threshold limits have been increased for Bank Interest, Dividend Income, Mutual Fund Income, Professional Fees and Rent. This helps improve monthly cash flow and reduces refund dependency.

Key Changes in TCS

Remittance up to ₹10 lakh under LRS with lower tax impact. No TCS on education loans and on purchase of goods. This reduces upfront tax outgo for foreign remittances and personal spending.

Extended Time for Filing Updated Returns

Taxpayers can now file an Updated Return up to 4 years from the end of the relevant assessment year. This allows individuals to voluntarily disclose missed income and regularise past returns.

Capital Gains on ULIPs

ULIPs with yearly premiums above ₹2.5 lakh will now be taxed as capital gains: STCG - 20% and LTCG - 12.5% ULIPs below this limit continue to remain tax-free.

Relief for Owning Multiple Homes

Up to two self-occupied homes can be treated as tax-free without any condition related to employment location. This provides tax relief to individuals owning more than one house property.

Frequently asked questions

Filing an Income Tax return is crucial as it: To avail all types of loans including home loan and Education loan Ensures excess tax refunds Required for Visa applications Aids in Financial planning It is a legal obligation

You can file your income tax returns online, either on the income tax department's website or you can file your returns through any ERI registered platform or agency. udChalo is an ERI authorized platform by government of India

An e-Return Intermediary (ERI) is an authorized entity that helps taxpayers file their income tax returns electronically through the E-filing 2.0 portal. Under the Electronic Furnishing of Return of Income Scheme, 2007, ERIs are registered intermediaries who assist taxpayers by simplifying the filing process and providing additional facilitation services.

As per section 139(1) of the Income Tax Act, 1961 in the country, individuals whose total income during the previous year exceeds the maximum amount not chargeable to tax, should file their income tax returns (ITR). Individuals who only have Salary income Individuals who have switched jobs (Multiple Form 16) Individuals having Income from Capital Gains (mutual funds & stocks), business/profession, House Property, other income such as Interest etc. Individuals having Foreign Income (Onsite deputation), Foreign Assets, NRI

PAN (Permanent Account Number): Your identity proof for all things tax. Aadhaar Card: Needed for linking with your PAN and for verification. Bank Account Details: To process any refunds you might get. Form 26AS: Shows the tax that's been deducted from your income and paid to the government on your behalf. It helps you know how much tax you've already paid. TDS Certificates: If tax was deducted from your income, like from your salary or interest earnings, you'd get these certificates. They're also known as Form 16 (for salary) and Form 16A (for other incomes). Income Proof: This could be salary slips, interest certificates from banks, or income statements if you're self-employed. Deductions and Exemptions Proof: Documents showing investments or expenses that can reduce your taxable income, like insurance, educational loans, or house rent. Gathering these documents before you start your ITR filing can save you time and help avoid errors.

If you are a salaried individual, it is your employer’s responsibility to provide you with a Form 16, if they have been deducting taxes from the source

Yes. Though the presence of Form 16 makes the tax return filing process way easier, you can still file your returns without Form 16.

Though, your employer must provide you with a Form 16 if TDS is collected, paying taxes if completely your responsibility. If you earn more than the threshold of INR 2,50,000 you are eligible to pay taxes. You must check your tax liability and pay them accordingly.

No, you cannot e-file without Aadhaar card. If you don't have an Aadhaar card, please apply for one and quote the Aadhaar enrollment number.

If a taxpayer fails to file their Income Tax Return (ITR) by the due date, they may be liable to pay penalties and interest. The penalties for non-filing or late filing of ITR in India are as follows: Late filing fee: If a taxpayer fails to file their ITR by the due date, they may be liable to pay a late filing fee of up to Rs. 10,000, depending on the delay in filing. The late filing fee for belated ITR, i.e., ITR filed after the due date but before December 31st of the relevant assessment year, is Rs. 5,000. For returns filed after December 31st, the late filing fee increases to Rs. 10,000. Interest on tax liability: If a taxpayer has any outstanding tax liability, interest will be charged on the amount due from the due date of filing until the date of payment. The interest rate is currently 1% per month, calculated from the due date of filing until the date of payment. Loss of certain benefits: If a taxpayer files a belated return, they may lose certain benefits, such as the right to carry forward losses, etc. And in case of failure to file ITR at all, they will not be able to claim TDS refunds, if any. Prosecution: In case of a willful failure to file ITR, the taxpayer may be subject to prosecution under Section 276CC of the Income Tax Act, which can result in imprisonment and/or fine.

Fortunately, there are several ways to save tax in India. You can claim tax deductions, invest in tax-saving instruments, and get legitimate credits. An authorized tax planner can help you use these methods to get the lowest tax bills.

Yes! You need to visit at udChalo Portal and select CA-Assisted tax filing plan, and select plan based on your Income categories. A tax expert will assign to you and prepare your tax return and file it for you.

Uploading ITR alone does not complete the return filing process. Verification of return is important to complete the return filing process.

Yes, you can still verify your returns online. However, you will need to submit a ‘condonation request’ for condonation of delay, providing a valid reason for the delay. The verification of your return will only be considered complete after the Income Tax Department approves the condonation request.

If your ITR V receipt status shows as ITR-V Rejected, then in such case, click on the Acknowledgement Number & the reason for ITR V rejection will be shown. ITR V can be rejected for various reasons, such as you may have sent a return for verification after 30 days, or ITR V was folded or stapled, etc. Make sure you correct the mistake & resend ITR V (other than cases where the 30-day limit has been exceeded).

Beyond Section 80C, there are several avenues for tax savings. You can consider: Claiming tax-deductible expenses such as insurance premiums, tuition fees for children, rent payments, home loan/stamp duty payments, interest on home loans, and medical expenses for dependent family members. Exploring investment options like the National Pension Scheme (NPS) to optimize your income structure and minimize taxable income. Diversifying your tax-saving investments across various asset classes and leveraging a mix of deductions and exemptions is key to comprehensive tax planning.

If you are salaried and receive HRA from your employer, you cannot claim this deduction. Submit the rent receipts to your employer and this will be included in your Form 16. If you are salaried and do not receive HRA as part of your salary, then you can claim deduction under section 80GG for rent.

Every individual or HUF can claim a deduction from their total income under section 80D for medical insurance premium paid in any given year. The deduction benefit is available not only for a health insurance plan for self but one can also take the advantage of buying the policy to cover spouse, or your dependent children or parent. It is over and above the deductions claimed under section 80C.The amount of deduction allowed under section 80D prior to Budget 2015-16 was Rs 15,000 which was then increased to Rs 25,000. In case of senior citizens , the deduction limit was increased from Rs 30,000 to Rs. 50,000.

Yes, if you have exhausted the Section 80C limit of Rs 1,50,000, then consider investing in NPS. Deduction for self-contribution to NPS - section 80CCD (1b) has been introduced for an additional deduction of up to Rs 50,000 for the amount deposited by a taxpayer to their NPS account.

Yes, the upper limit is set at INR 1,50,000 for a fiscal year. Though you can invest more than the limit, you can only claim deductions up to the prescribed limit.

Yes, but both bank accounts should have the status Validated.

Only a pre-validated bank account can be nominated to receive Income Tax refund. Further, a pre-validated bank account may also be used by the individual taxpayer for enabling EVC (electronic verification code) for e-Verification purpose. e-Veriﬁcation can be used for Income Tax Returns and other Forms, e-Proceedings, Refund Reissue, Reset Password and secured login to e-Filing account.

No. You can only pre-validate the following accounts for refund: Saving Bank Accounts, Current Accounts, Cash Credit Accounts, Over Draft Account, NRO Account. If you try pre-validating any other account type, the bank validation will fail, and the system will display an Invalid Account error.

The pre-validation process is automatic. Once your request is submitted, it is sent to your bank. The validation status is updated in your e-Filing account within 10 - 12 working days.

In such a case, you will see a ! warning symbol next to your mismatched contact details (mobile number / email ID) in your Added Bank Accounts section. If you wish to EVC-enable that bank account, you will need to update your contact details on the e-Filing portal to match your details registered with the bank or update the mobile/email at bank’s end same as your e-filing registered primary mobile/email. Once details are updated, revalidate your bank account.

The OTP Fraud Protection Plan is a security solution introduced by udChalo to safeguard our customers against financial losses due to OTP fraud while transacting with us. We ensure peace of mind by providing financial compensation under specific terms and conditions in the unlikely event of OTP fraud occurring during the ITR filing process. Coverage starts immediately after purchase and remains active for the specific transaction/session. Maximum refund coverage per incident: ₹ 15,000/- Applicable only for transactions conducted directly through udChalo’s platform or authorized representatives.

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