Pension Income?
Get Your ITR Filed By Tax Expert
We check your pension income, bank interest, TDS and eligible deductions before filing your Income Tax Return.
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Start your Pension ITR filing online.
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Our tax expert contacts you.
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Share pension, interest and TDS details.
ITR Filed
Our expert prepares and files your return.
Is Pension Income Taxable in India?
The tax treatment depends on whether you receive a regular pension, family pension or commuted pension.
Regular Pension
A regular or uncommuted pension received after retirement is generally treated as Income from Salary.
Family Pension
A family pension received by a spouse or eligible family member is generally reported as Income from Other Sources.
Commuted Pension
A lump-sum commuted pension may be fully or partly exempt depending on your employer and applicable Income Tax rules.
Your pension income, bank interest, deductions and other income are reviewed together when choosing the correct Income Tax Return.
TDS Deducted on Your Pension or Bank Interest?
We check your tax records, file the correct ITR and help claim any eligible TDS refund.
Pension TDS
We check available TDS credit on your pension income.
FD & Bank Interest TDS
Interest-related TDS is matched with Form 26AS and AIS.
Tax Benefits We Check Before Filing Your ITR
We review your pension income, bank interest, medical expenses and eligible deductions before filing your Income Tax Return.
Standard Deduction
We check the applicable Standard Deduction on eligible pension income while calculating your taxable income.
Bank Interest Deduction
Eligible senior citizens may claim a deduction on bank deposit interest under Section 80TTB.
Health & Medical Expenses
We review eligible health insurance premium and qualifying medical expenditure under Section 80D.
Specified Disease Treatment
Eligible expenses for treatment of specified diseases may qualify for deduction under Section 80DDB.
Section 80TTB, Section 80D and Section 80DDB are subject to eligibility and applicable tax-regime rules. We review your income and deductions before filing your return.
Which ITR Form Should a Pensioner File?
The correct Income Tax Return form depends on your pension income, bank interest, capital gains and other sources of income.
ITR-1 for Pensioners
Many eligible pensioners with pension income, bank interest and other simple income may be able to file ITR-1.
ITR-2 for Pensioners
ITR-2 may apply when your income includes items that make you ineligible for ITR-1, but you do not have business or professional income.
Pension + Business Income
If you receive a pension and also have business or professional income, ITR-3 or, where eligible, ITR-4 may apply.
We review your pension income, interest income, capital gains and other income to select the correct ITR form before filing.
Documents Required for Pensioner ITR Filing
Keep these basic documents ready for your Senior Citizen ITR Filing. We will tell you if any additional information is required.
PAN & Aadhaar
Your PAN and Aadhaar details for identity and Income Tax Return filing.
Pension Form 16
Form 16 or pension statement showing pension income and TDS details.
Bank Interest Details
Bank statement or Interest Certificate for savings accounts and deposit interest.
Form 26AS & AIS
Form 26AS and AIS help verify reported income and available TDS credit.
FD / Deposit Interest
Details of Fixed Deposit interest, recurring deposits and other taxable bank interest.
Medical Documents
Eligible health insurance and medical documents for Section 80D or Section 80DDB claims.
Deduction Proofs
Keep eligible investment and deduction proofs ready if you are claiming tax benefits.
Previous ITR
Your previous Income Tax Return, if available, can help us review earlier filing details.
Place your order first. Our tax expert will call you, check your case and tell you exactly which ITR documents are required.
Old vs New Tax Regime for Pensioners
We compare your pension income, bank interest, deductions and eligible senior citizen tax benefits before filing your Income Tax Return.
Old Tax Regime
The Old Tax Regime may be useful when you have eligible deductions and exemptions that reduce your taxable income.
New Tax Regime
The New Tax Regime under Section 115BAC uses a different tax structure and limits many deductions available under the old regime.
We review your pension income, bank interest and eligible deductions to compare the Old Tax Regime and New Tax Regime before filing.
Frequently Asked Questions About Pensioner ITR Filing
Simple answers to common questions about pension income, Senior Citizen ITR Filing, TDS, bank interest and income tax returns.
Do pensioners need to file an Income Tax Return? +
A pensioner may need to file an Income Tax Return depending on total taxable income, filing conditions and other applicable Income Tax rules. Even when tax is already deducted, filing may be required or useful for claiming eligible TDS credit or refund.
Is pension income taxable in India? +
Yes. A regular or uncommuted pension is generally taxable as Income from Salary. The treatment of family pension and commuted pension is different and depends on applicable tax rules.
Which ITR form should a pensioner file? +
Many eligible pensioners with simple pension income and bank interest may use ITR-1. Cases involving capital gains, multiple house properties or other income may require ITR-2. Business or professional income can require ITR-3 or eligible ITR-4 cases.
Can a pensioner claim a TDS refund? +
Yes. If the total TDS deducted is higher than the final tax liability, an eligible refund can be claimed through the correct ITR filing. TDS entries should be checked with Form 26AS and AIS.
Is FD and bank interest taxable for senior citizens? +
FD interest and other taxable bank interest generally form part of your total income. Eligible resident senior citizens may also qualify for a deduction under Section 80TTB, subject to applicable conditions.
What is Section 80TTB for senior citizens? +
Section 80TTB provides eligible resident senior citizens a deduction on qualifying interest income from specified deposits, subject to the applicable limit and tax-regime rules.
Do senior citizens have to pay advance tax? +
A resident senior citizen who does not have income from business or profession may be exempt from paying advance tax under the applicable Income Tax provisions. The final position depends on the taxpayer's income profile.
Do senior citizens above 75 years need to file ITR? +
Not every person above 75 is automatically exempt from filing. Section 194P provides relief only to qualifying resident senior citizens who satisfy specific conditions relating to pension income, interest income and the specified bank.
Is family pension taxable? +
Family pension is generally reported under Income from Other Sources rather than salary income. A separate family pension deduction may be available subject to applicable Income Tax rules.
Can Easy Return file my pension ITR for me? +
Yes. Place your order and our tax expert will contact you, collect the required pension income, bank interest, TDS and deduction details, review the correct ITR form and complete your Income Tax Return filing.
You don't need to understand every tax rule yourself. Our team reviews your income and filing details before preparing your Pensioner ITR.
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Share your basic details and our tax expert will help you with your pension income, bank interest, TDS, deductions and complete Income Tax Return filing.
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Your details are used only to review and process your ITR filing request.