r/IncomeTax_India

I'm a Web Designer & Developer, and I earn all my income through my website templates.

However, I don’t directly sell the templates at a fixed price. Instead, I earn through a partner program. When a user uses my template and upgrades to a paid plan, the company gives me 50% of the plan revenue as a commission.

• I may earn ₹20 lakhs+ this year, and the company is based outside India.

I’m struggling to understand how taxes work on this type of income.

Hi all, I'm planning to move back permanently to India from the US in Mid Dec of 2026. I have stayed more than 365 days in India in the past 4 years. Will I be a Non Resident in India?

Generally trying to understand when is the closest month maybe Oct 2026 so I can move back without being a Indian resident?

I pay 55k in rent including 7k in maintenance. So my actual rent is 48k. Do i still need to file 26QC ?

Second, my landlord has not renewed my lease for over 1 year. I continue to pay the same rent on time. Will there be a problem in terms of tax filing and seeking HRA ? I fill out the rental payment sheet and landlord signs off on it.

Can someone advise ?

Hi everyone,

I am an Indian freelancer working on Upwork and recently got my GSTIN. I am about to file my GST returns for the very first time and could really use some guidance from fellow freelancers or CAs who do this regularly.

I have two main operational questions:

1. Consolidated vs. Individual Invoicing: For GST filing, should I be creating one single consolidated invoice for my total Upwork sales at the end of the month, or is it legally required to generate an individual invoice for every single milestone/project paid on the platform? What is the most compliant and efficient method to track this?

2. RCM on Upwork Service Fees: I understand that I need to pay 18% GST under the Reverse Charge Mechanism (RCM) for the Upwork service fees (and Connects). Could someone break down the exact process of how this is declared and paid on the GST portal? Also, how does the ITC (Input Tax Credit) or refund process work for the RCM I pay out of pocket?

Any step-by-step advice or best practices would be a lifesaver. Thanks in advance!

My credit card VKYC got rejected because my father’s name in PAN online records is different from the name printed on my physical PAN card.

Physical card has the correct name. Now I want to update the online PAN details to match it.

What is the easiest way to fix this?

Can it be done online, and how long does it take to update?

Sorry if this appears as a repetitive question. I could not find a direct answer to my questions and hence this post. Most posts go about opening a current account, LUT, 44ADA etc.

I am an individual offering a monthly subscription based software solution to a customer in the US.

I do not have any entity setup here in India (yet). I just have my PAN.

I am assuming that I can just email them the invoice on a monthly basis and ask them to wire transfer the amount to my given savings bank account with ICICI or HDFC (through Wise or Swift etc - depending on the customer).

I do not have any income at the moment. So, this will be my only income, which will be less than 12L per year.

Questions

1. Is it OK to just email the invoice and collect the money into my bank account as described above?

2. I will declare this amount as my total income. My income will be less than 12L and hence my ITR1 will have no tax. Is this correct?

3. I want to avoid setting up a company, gst registration etc at this point in time (atleast until I see some future prospects of stable and increasing income). Can I continue with my income declaration with ITR1? (don't want to go into 44ADA etc upfront now).

4. Anything else thst I should be aware of? From my perspective and from my customer's perspective?

Every year I end up putting money into things like ELSS, PPF, etc. mainly to save tax but sometimes I wonder if I am just doing it out of habit without really thinking.

Like, is putting smaller amounts here and there actually meaningful over time, or should I be approaching this differently?

Curious how others think about this do you treat tax saving as a separate goal or just focus on overall investing and let taxes be secondary

Guys, just like some people, my ITR for last financial year is not processed yet and I don’t think they will anymore and I lost all hopes. My question is will I get ITR for this financial year if the previous financial year’s ITR is not processed?

Hello,

to all of you.

I sale a Residential Property after 24 Years Period and earned a Profit of Rs.20L, Now Please tell me How can I save a Tax on this Amount?, I don't want to reinvest this amount in buying some other Property, Please tell me the Safest way. Hope to see a reply soon. Thank You.

Regards,

Rishi

This is my first time filing ITR.

1. My source of income is fellowship (from Ph.D.) which is tax free.

2. I checked for the financial year 24-25 (the assessment year 25-26) TDS of approximately Rs. 8000 was deducted from my FDs. This I checked from the form 26AS.

3. Can I file ITR for the TDS deducted in the financial year 24-25?

4. Which filing type to select?

5. For the financial year 25-26, I would like to do the same. I checked the form 26AS is not updated on the website. Although I received the information of the TDS deducted from the bank.

https://preview.redd.it/rmkchnkvmozg1.png?width=1570&format=png&auto=webp&s=6c3820511331e7581001df65e2ef8a9bf421e5fc

[supprimé]

Does Section 44AD apply only to goods-related businesses, or does it also apply to both goods and service-based businesses?

I met a local CA, and he informed me that I am not eligible for Section 44AD because it applies only to goods-related businesses and not to businesses that offer only digital services. I told the CA that I know some people who file under Section 44AD for digital marketing businesses (offering only digital services). The CA asked me to provide a reference so he can review it again and determine whether my taxation can be filed under 44AD.

My Business involve digital services like Advertising on Ad network (With own money) and lead generation. I am not freelancer, consultant, support engineer, technical assistant and agency. My Digital business involve proper risk taking of capital.

Kindly provide your feedback and references on whether Section 44AD is applicable to digital service businesses. If yes, how can I convince my CA to review this and file under 44AD?

Hi everyone,

Since we are now in FY 2026-27, the tax landscape has shifted. Between the New Regime slabs, the updated NPS (Section 80CCD) limits, and the higher rebate thresholds, planning your investments for the year is getting complicated.

I built https://tax.streaksy.in/ to help solve this. It’s a calculator and knowledge base combo designed to help you optimize your tax outgo.

What’s updated for the current year (FY 26-27):

• New NPS Rules: Correctly factors in the updated deduction limits for both employee and employer contributions. It helps you see exactly how the 14% employer NPS contribution under the New Regime impacts your taxable income.
• Zero Tax up to ₹12.75L: Shows you how the ₹12 Lakh rebate (Section 87A) + the ₹75,000 Standard Deduction work together to keep you in the zero-tax bracket.
• Integrated Knowledge Base: This is the core of the app. It doesn't just show you a number; it provides active advice on how to save taxes based on your income bracket.
• Dual Year Support: You can toggle between FY 2026-27 (Current) and FY 2025-26 (Previous) to compare rules or finalize last year's filings.
• Old vs. New Side-by-Side: Instantly check if the Old Regime is still worth it for you if you have high deductions like HRA, Home Loan Interest, or 80C.

Why I built it this way: Most calculators are just a set of input boxes. I wanted something that acts as a guide, explaining the "why" behind the math so you can make better financial decisions.

The tool is completely free, mobile-optimized, and doesn't require any login or personal data.

I’d love to hear your feedback! Are there any specific investment scenarios or edge cases you'd like me to add to the knowledge base?

Check it out here:https://tax.streaksy.in/

Hello!

So, I was working with an organization as a freelancer for 6 months at 15K per month, and after 2 months, they started deducting 10% TDS, and I was told that I could claim it later.

I am very new to all this, and this is my first time dealing with taxes. So, can someone please help me with what the process to claim it is?
TIA!

Dear Tax Experts,

I am buying a home with a home loan and seeking advise on below questions -

1. Can I use SWP on mutual funds (equity, debt) or individual stocks which are long term to part prepay on a monthly basis to get tax exemption on capital gains?
2. For how long in years can I do SWP to get capital exemption
3. Is it applicable in new regime?
4. I plan to continue SIP in these funds as well

Thanks

I work full-time for a foreign client with no presence in India, so my income comes as foreign remittance. I’m GST-registered since my annual income exceeds ₹20L. I’ve purchased work-related items like a laptop and office chair and paid GST on them. Since I don’t have any Indian clients to charge GST, can I claim a refund on this input GST or utilize it in any way?

Reaching out to those who have filled this form. I need these clarifications -

1. Total Stamp duty value of property should have what ? CA is telling there is a market value which should go there.
2. Same like Total Sale consideration should have what? The amount on which agreement is done ?
3. Wife is co-owner for 50% so, she needs diff Form 141 to be filled ?

Hi All,

I worked in a company from May 2012 to August 2014 and made contributions to my PF. I have been out of the workforce since then and have been at home due to personal reasons. A couple of years ago (in 2023), I realized that I have funds (significant for me) sitting in the PF account that I decided to withdraw. However, the EPFO rejected my claim forms with the following reasoning:

Claim Rejected ER IS ADVISED TO CLRFY ON THE CONTRIBUTIONS BEYOND STAT WAGE LIMIT OF 15000 AND/OR STAT RATE 12%

Since my claim got rejected I have tried to go the local EPFO office, however they asked me to go the EPFO office where I was working (in Karnataka while I am in Northern India).

Can someone explain to me what is going on and how can I get this resolved? Am I entitled to withdraw the Pension portion as well or is it only the PF portion? Any help will be greatly appreciated!!