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Friday, August 31, 2018

Franklin India Taxshield Fund

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Franklin India Taxshield Fund scheme seeks medium to long term growth of capital, with income tax rebate. The scheme invests in equities and there is an exposure to PSU Bonds and debentures and Money Market instruments.

An established fund in the ELSS category, it has steadfastly maintained a large-cap bias amid different market phases. Consistency of returns and an ability to contain downside have helped it retain four to five-star ratings for much of the last eight years.


Franklin India Taxshield Fund returns in the last one year show a slowdown relative to the category and benchmark. The fund's year-to-year returns don't always beat its more aggressive peers, but its performance adds up to very handsome returns over the long term.


Franklin India Taxshield Fund is a Fund which allocates a minimum 60 per cent to large caps, it has pegged up this exposure even higher, to 80 per cent in the last one year. Mid and small-caps now make up less than 20 per cent of the portfolio. The fund also avoids momentum stocks and sticks to bottom-up fundamentals-based investing. Though this fund is from a growth style fund house, it tends to be quite valuation-conscious. It doesn't take cash calls and remains fully invested through cycles.


Franklin India Taxshield Fund has underperformed its benchmark significantly in the last one year, which has also hurt three-year returns. However, in the five-year period, it has outperformed the benchmark by 3 percentage points. In the past, outpacing the benchmark in 12 of the last 15 years, this fund has proved more adept at containing losses in bear markets than riding bull phases to the hilt.


Go for Franklin India Taxshield Fund if you like a less bumpy ride in choppy markets.


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Non-Residents can get Tax Refunds to their Foreign Bank Accounts


The ITR forms now allow non-residents to give details of bank account outside India, so they may receive the refunds in it directly


The last date for filing income tax returns (ITRs) for the assessment year (AY) 2017-18 is 31 July 2017. All those who want to claim tax refunds, have to mandatorily e-file their income tax returns irrespective of the amount of their taxable income. And to claim refunds, one has to provide details of a bank account in which the refund is to be credited. However, for this, till now they could only provide details of a bank account in India. If they did not have an account in India, their tax refunds would become difficult. This has been rectified now. In the ITR forms for AY 2017-18, NRIs can furnish details of foreign bank accounts to claim refunds. Read more about it here.





Need for foreign bank details
Almost all types of incomes attract tax deduction at source (TDS). TDS is collected at different rates, which are stipulated in the Income-tax Act, 1961. In cases where more TDS has been collected than what was required, you can claim refund of the excess amount while filing ITRs.


The ITR forms for AY 2017-18 were notified on 30 March, 2017. However, according to press release dated 24 July 2017 by finance ministry: "A number of representations were received from the non-residents that they are facing difficulties in getting refund as they do not have bank account in India and there is no column in the notified form of return of income for reporting details of foreign bank account by the non-residents." The ITR forms have now been modified to help non-resident assessees.


The forms now allow nonresidents to give details of bank accounts outside India, so they may receive the refunds in it directly.


Non-resident Indians who do not want to claim any tax refund as well as those who want to claim refund and also have a bank account in India, are not required to give details of their foreign bank accounts in the ITR.


The details that have to be given include details such as: international bank account number (IBAN) or SWIFT code of the bank, name of the bank, country of location and account number.


Once an ITR is filed, assessees can verify the status of their refund by logging into their e-filing account.


They can also check the status of the tax refund here, which is maintained by National Securities Depository Limited.






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Revised of Filing ITR

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Allowing taxpayers to submit returns up till August 31, provides relief to those have not filed it yet, especially employees who did not receive their Form 16 in the designated time frame. They now have time to claim the right refunds. More importantly, the extension is a boon to individuals who might have claimed wrong deductions or made mistakes during their filing. Now, under Section 139(5) of the Income Tax Act, these individuals have a chance to revise their returns by rectifying or omitting incorrect facts.

Why is this important?

As India embraces digitisation, the IT systems have become more vigilant than ever before. If the taxpayer doesn't rectify errors within a given period, the returns would be deemed null and void for the year. In fact, while assessing returns, Computer Aided Scrutiny Selection (CASS) will select the returns for scrutiny, in case of any under reporting of tax returns. The tax department will send a notice to the taxpayer, making it mandatory to furnish an in-depth break-up of details filled in the return. If the taxpayer has knowingly claimed deductions and is not able to provide supporting documents, then under section 270A, misreported income can lead to the penalty of 200 percent of the evaded tax amount.

Therefore, it is imperative to undertake revisions as early as possible, to avoid heavy fines or penalties.

How you can revise your ITR filing?

Filing a revised return is no different from filing the original return. Tax payers simply need to choose revised return (Part-A-General Information) under section 139(5) and provide information (15-digit acknowledgement no. and date of filing of the original return) to identify the original return submission. The tax payer can then revise accordingly. Once completed it's necessary to send the ITR report to central processing centre (CPC) in IT Bengaluru office or e-verification can be done.

Top things to keep in mind while filing returns (revised or otherwise)
• Mention all sources of income while filing IT returns
• Make sure you have verified the revised returns thoroughly
• Claim your deductions under appropriate sections
• It is mandatory to mention the Date of Filing (DoF) and 15-digit acknowledgement no. of the original ITR filed
• E-verify your ITR using Aadhaar, OTP or net-banking
• In case an individual is filing for the first time, taxpayers can avoid paying late fee up to Rs. 5,000 (under section 234F) by filing by August 31 in case he / she has not filed by July 31

• They can also avoid simple interest at 1 percent for the month of August (under section 234A) on tax liability

India has primarily been a tax evasive country that relies on human assistance to fulfil their tax requirements. This is gradually changing with digital adoption and, the subsequent behavioural changes that arise with it. As the government takes steps to make the tax processes smoother for individuals, it's the duty of every taxpayer to file returns on time and work together with the government to make India a better nation.





SIPs are Best Investments as Stock Market s are move up and down. Volatile is your best friend in making Money and creating enormous Wealth, If you have patience and long term Investing orientation. Invest in Best SIP Mutual Funds and get good returns over a period of time. Know which are the Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

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Thursday, August 30, 2018

How to fill the new details required in ITR-1

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The income tax return (ITR) 1 or Sahaj is the form used by most of salaried people for their ITR filing. Unlike last year, this year's form requires taxpayers to give a detailed break-up of their salary income and income from house property. In the FY18 form, for instance, you need to provide details about value of perquisites, non-exempt allowances, interest paid on borrowed capital and so on. And don't worry, you will not have to run helter-skelter in a bid to find these details, especially those

Taxpayers filing their return using ITR Form-1 (Sahaj) can find all the information in their Form-16. Form-16 provides all the information about their salary details which includes basic, allowances, perquisites etc.

While Form16 provides you all the details regarding your salary income, here's how you must fill the required details to file your return correctly. Incorrect details could lead to scrutiny from income tax department.


Income from salary

Under this head in ITR Form-1, you are required to enter the following details related to salary: Salary (excluding all allowances, perquisites and profit in lieu of salary), allowances that are not exempt from tax, value of perquisites, and profit in lieu of salary. You will also have to provide details of the deductions you have claimed under section 16 of the Income-tax Act, 1961.

Here is how each of these heads will be taxed:

Salary (excluding all allowances, perquisites, profit in lieu of salary)

Here, the taxpayer is required to input the details of salary, i.e., basic salary. This part of your in-hand salary is fully taxable.

Allowances not exempt from tax

While it is a well-known fact that the basic salary is fully taxable, not all allowances that are part of your in-hand salary are fully taxable. Some of them are tax exempt up to a certain amount, whereas some are fully taxable.

Transport allowance for and up to FY 2017-18 is exempt from tax up to Rs 1,600 per month or Rs 19,200 annually. Any amount received over and above that will be chargeable to tax. Similarly, a certain part of house rent allowance (HRA) is taxed depending on the actual amount received by you and certain other conditions.


Click here to calculate how much HRA will be tax exempt.


On the other hand, special allowance received is fully taxable in your hands. Leave travel allowance (LTA) is exempted from tax based on certain parameters. Click here to read more about  tax exemption limits of various allowances.

Also Read:
How to fill salary details in ITR-1 for FY 2017-18

ITR Form-1 for FY 2016-17/ AY 2017-18


(Snapshot of ITR Form-1 in excel utility)

ITR Form-1 for FY 2017-18/ AY 2018-19


(Snapshot from ITR Form-1 in excel utility)

Perquisites

Perquisites refer to a benefit that employees enjoy or are entitled to on account of their job or position. Income tax laws define perquisites as any casual emolument or benefit attached to an office or position in addition to salary or wages.



According to section 17(2) of the Income-tax Act, perquisites include:

a) Rent-free or concessional rent accommodation provided by the employer.

b) Any sum paid by the employer on behalf of an employee because of employee's obligation like life insurance premium;

c) Any benefit granted free or at a concessional rate to an employee;

d) Any specified security or sweat equity shares allotted or transferred, directly or indirectly by the employer or former employer free of cost or at a concessional rate;

e) Any contributory amount to an approved superannuation fund by the employer on behalf of employee, that exceeds Rs 1.5 lakh; and

f) Value of any other fringe benefit or amenity such as interest free or concessional loans etc.

The value of these perquisites are calculated by your employer and is added to your salary package. However, not all the perquisites are fully taxable at their cost and some of them are even exempt from tax. Valuation of the above mentioned perquisites are done based on the rules governing the same to determine their cost. This cost is then added to your salary and taxed at the rates applicable to your income


For instance, if you are living on a rent-free accommodation, owned by your employer, then the value of this accommodation will be calculated as follows:

Source: Taxmann.com

*Here salary includes basic, dearness allowances if any, all taxable allowances, bonus, commission. On the other hand, if the house is taken on rent by your employer, then cost is calculated as: Lease rent paid or payable by the employer or 15 percent of the salary, whichever is lower.

Similarly, the cost of employees' stock options (ESOPs) or sweat equity shares issued will be calculated as: Fair market value of shares or securities on date of exercising option by the employee minus amount paid by employee.

Interest that would have normally been payable on interest free or concessional loans of up to Rs 20,000 or loans made for medical treatment of specified diseases such as cancer, TB etc., are not chargeable to tax as a perquisite. Expenses in relation to telephone or mobile phones, providing laptop for work purposes are not treated as a perquisite, if used for official purposes.


Any gift or voucher received by an employee on ceremonial occasions or otherwise is regarded as a perquisite. These gifts are taxable fully if received in cash or exempt up to Rs 5,000 if received in kind such as gift cards, adds Mittal. Therefore, if you have received a gift card of Rs 20,000 from your employer, then only Rs 5,000 will be exempt from tax. The balance of Rs 15,000 will be added to your salary and taxed accordingly.

Profit in lieu of salary

Section 17 of the income tax Act states that any payment received by an employee in addition to salary or wages will be charged as 'Profit in lieu of salary'.

This type of payment usually includes retrenchment benefit, interest received from your exempted recognised provident fund in excess of 9.5 per cent per annum or payment received by the employee before joining or after the termination of employment. Taxes levied on these payments are same as chargeable to your income as per the slabs.

Deductions under section 16

This section pertains to the deductions that you can claim from your salary income only. Following are the list of deductions under section 16 that can be claimed for FY 2017-18:

a) Deduction on entertainment allowance received by government employees only which is lower of:

i) Actual amount received

ii) One-fifth of the salary excluding any allowance, benefit or other perquisite

iii) Rs 5,000

b) Any professional or employment tax paid

Standard deduction of Rs 40,000 introduced in the budget 2018 will be available to taxpayers from the next year, i.e., FY 2019-20 onwards.

Income from house property

Apart from providing salary break up, taxpayers who have one house property are also required to provide details about the same. In last year's form, taxpayers had to only mention the amount of income earned from the house property without providing any extra details of the same.

Taxpayers are will now have to provide details such as whether the house property is self-occupied or let out, gross rent received or receivable, taxes paid you, interest payments on home loan, annual value of the house and so on.

Type of house

While filing ITR, one has to select whether the house is 'self-occupied' or 'let out'. Taxability of income from house property depends whether the said house is self-occupied by the taxpayer or let out.

If the house property is neither let out nor self-occupied, then also the income from it is still chargeable to tax and the taxpayer is required to pay tax on the deemed rent, i.e., rent he/she would actually earn if the property would have been let out.

In case of let out property

If the house is let out, then value is calculated on the gross rent received less of taxes paid to the municipal corporation, i.e., property tax or house tax.

Gross Rent Received/Receivable/Letable Value: A taxpayer has to mention the amount that is actually received by them as rent during FY 2017-18 from letting out the property.

In case of deemed rent, one is required to take highest of: a) Rent received or receivable, b) Fair Market Value and c) Municipal valuation to arrive at lettable value.

Taxes paid: Property tax or house tax is the tax which is actually paid to the municipal corporation on the rented property.

Annual Value: The value arrived at by deducting taxes paid from gross rent received is called Annual Value.

From this annual value, a taxpayer can claim two deductions under section 24: a) deduction of 30 percent from annual value and b) interest payments made on home loan.

30 percent of annual value: It is a deduction allowed as 30 per cent of the annual value. It is irrespective of the amount spent on maintenance, electricity bills etc.

Interest payable on borrowed capital: If interest payments on home loan have been made in FY 2017-18, then one can claim deductions on that too.

Self-occupied property

On the other hand, if house is self-occupied by the taxpayer, then annual value is considered as zero. Here a taxpayer can claim only deduction on interest payments made on the home loan.

The maximum deduction on such an interest payment is allowed up to Rs 2 lakh for both, self occupied and let out properties.

Income chargeable from house property: The result you will get from making the above calculations (depending on type of house property) will be chargeable to tax.



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For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

Invest [at] SaveTaxGetRich [dot] Com

How to e-verify IT Return via net banking

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In order to make e-verification of ITR (Income Tax Return ) filing easier, the Income Tax department has operationalised new e-filing system, that allows online verification of a person's ITR by using either the Aadhaar number, internet banking, ATM or email.

This saves you from the practice of sending paper acknowledgment to the Centralised Processing Centre (CPC) of the IT department located in Bengaluru.


However, if you want you can still use your paid tax challan to verify your ITR and send the paper acknowledgment called ITR-V through post to the Bengaluru based CPC.

Here is how you can e-verify your ITR via net bankingThose taxpayers who have activated internet banking facility can do the e-verification. Once logged in to the banking portal, the taxpayer will be sent Electronic Verification Code (EVC) on his/her mobile number provided to the official e-filing portal of the IT department. This is the same EVC which tax payers will have to put in their ITR for final submission.Log on to your net banking option of your bank. In the quick link, select the e-verification tab.

Now select the confirmation tab that asks you to e-verify your return based on an EVC


Once you confirm the e-verification using the EVC, you will get a confirmation message of successful e-verification. This will have the details of your transaction ID and EVC code.

Keep it for further reference.

The online ITR filing portal of the department is available at https://incometaxindiaefiling.Gov.In. Do note that e-verification of your ITR can be done within 120 days from filing ITR.



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For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

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E-file Income Tax Return for the Self Employed

 

Being self-employed seems to be a great idea. You don't have a boss to answer to, you decide your own work timings and you can even choose the people you work with. In many ways, being self-employed can be much better than being a salaried employee. But not in one aspect—filing income tax returns.


Income tax returns are more complicated for the self-employed than they are for those who earn a salary. There are a lot of aspects that get taken care of for the salaried, which the self-employed have to work on themselves. But here are four e-filing strategies that the self-employed can use to make the process simpler.


Understanding the tax treatment

A self-employed individual is one who doesn't earn a fixed salary from a company. You are hired on a contractual or an assignment basis for your intellectual or manual skills. Hence, from a tax perspective, your income is Profit & Gains of Business & Profession. You have to pay taxes on the combined income you earn in a financial year from the different clients you have. All earnings, no matter how small, should be added to your gross income for the year.


Choosing the right ITR

For self-employed individuals, the correct ITR form is ITR-4. Choosing the right ITR is an important step in e-filing your income tax returns. You should also be aware of Section 194J of the Income Tax Act that mandates deduction of TDS from payments made to professionals.


Tax deducted at source

Whenever you receive a payment from a client, you will receive it after TDS is deducted on it. TDS is usually deducted at the rate of 10% on the payments made to you. But the good news here is that, just like salaried individuals, even you can claim a refund on the TDS that is deducted on your behalf after you e-file your tax returns.


Claiming expenses to reduce tax outgo

Since your income is treated as profits and gains of a business, even you can claim certain expenses that you have incurred towards getting this business. You can use these expenses to reduce your income and tax on it. These expenses include rent for office space, meal and entertainment expenses for client meetings, depreciation of computer and other equipment, travelling costs, etc.


These are a few ways that self-employed individuals can use to simplify income tax filing. E-file before the due date to avoid an income tax notice from the tax department.







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Best 4 ELSS Mutual Funds to invest in India for 2016 - 2017

1. DSP BlackRock Tax Saver Fund

2. Invesco India Tax Plan

3. Tata India Tax Savings Fund

4. BNP Paribas Long Term Equity Fund



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Changes in new ITR Forms

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There are over 25 changes in current year Income Tax Return (ITR) forms this year. For the common person, it is important to understand the key implications of the ITR form changes so that you can easily finish the task of filings your income tax returns in the next few weeks.

For the salaried person, ITR filing was relatively easy so far. An assessee with income from salary, one house property and other sources (like interest from fixed deposits) uses the most basic one-page ITR-1 or Sahaj form. The new Sahaj form wants you to disclose specific details about your salary. It seeks an assessee's salary details in separate fields and in a breakup format such as allowances that are not exempt, the value of perquisites, profit in lieu of salary and deductions claimed under section 16. Basically, the taxman wants to know the structure in case of salary income.

The new ITR-1 Sahaj form also seeks details about income from property such as gross rent received/ receivable/ letable value and tax paid to local authorities etc. "In case of self-occupied property, one needs to provide only the amount of interest paid on housing loan taken for the purchase or construction of the property. In case if the property is jointly owned then he should only claim the amount proportionate to his/her share in ownership

In case of property given on rent, one needs to calculate the total rent received/receivable for the financial year in respect of the said property. If the property is subjected to property tax by local authorities then the actual amount of taxes (including prior year arrears) paid during the financial year can be claimed as a deduction. After reducing the amount of property taxes actually paid from the yearly rent you arrive at Net Annual Value of the property. On this NAV you can claim 30% standard deduction for repairs and maintenance which is auto calculated in most of the software.

Lastly, you can claim your share in the amount of housing loan interest paid in respect of the rented. Do remember that you can also add the loan processing fee in the cost of borrowing. You can also claim pre-construction interest in five equal installments starting the year of possession

Coming to the new ITR 4 form, it requires a taxpayer to provide the aggregate turnover reported by him/her in GST returns. This can also affect some employees who do part-time work of others and in that case earn money from outside salary and charge GST on those invoices. The GST return matching is important because many a times business owners have been reporting two sets of income, one for income tax and another one for service tax. "The ITR forms require the business entities to report the GST transaction which would help the Dept. to independently reconcile the transactions reported by them in income-tax return and GST returns

The new ITR forms have specific columns to report each capital gain exemption separately. Details of each capital gains exemption under Sections 54, 54B, 54EC, 54EE, 54F, 54GB and 115F need to be reported in its applicable column now. This is a crucial change. New ITR form wants the taxpayer to provide the details about the date of transfer of the original capital asset (house, share, plot of land, agricultural land, jewellery) which can be found from the property sale agreement or contract note for share transfer.

The new form also asks to provide the details (amount invested and the date of investment) of the purchase of a specified new asset (house, bonds, shares, units, agricultural land, etc.) These details can be traced from the purchase agreement of the new house or from the share certificate, or bond receipt on folio statement of the fund.

In case if the unutilised amount is invested in capital gain account scheme, then the details of such investment can be traced from the bank passbook/FD receipt for such account. For claiming the deduction of section 54GB one has to provide various details viz. PAN of the eligible company, amount invested and date of investment in shares of the company etc. These details can be obtained from the investee company.


  • In case of property given on rent, one needs to calculate the total rent received/receivable for the financial year in respect of the said property  
  • The new ITR 4 form requires a taxpayer to provide the aggregate turnover reported by him/her in GST returns.



SIPs are Best Investments when Stock Market is high volatile. Invest in Best Mutual Fund SIPs and get good returns over a period of time. Know Top SIP Funds to Invest Save Tax Get Rich - Best ELSS Funds

For more information on Top SIP Mutual Funds contact Save Tax Get Rich on 94 8300 8300

OR

You can write to us at

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Wednesday, August 29, 2018

MENTION YOUR AADHAAR IN THE TAX RETURN


After a bitter legal and political battle, there is some clarity on the Aadhaar and your tax return. Individuals who have the Aadhaar must mention it in their tax returns. Only those who do not have an Aadhaar are exempt from the rule. Don't treat the Aadhaar as an optional requirement. If you don't quote your Aadhaar, the return can get accepted right now but you may get a notice for willfully holding back information required to be mentioned in the return. The tax authorities have power to slap a fine or even prosecute you for submitting a false statement in verification under section 277 of the Income Tax Act, 1961.


If you have the Aadhaar, it is also necessary to link it with the PAN if you are filing your tax return. This is very easy and takes barely five minutes. Experts say the Aadhaar will soon become a must for all your financial needs. Going forward, almost all aspects of one's financial life will be linked to Aadhaar. So, if you don't already have Aadhaar, get one right away






Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

For further information contact SaveTaxGetRich on 94 8300 8300

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How to File Income Tax Returns




 Income tax returns can be filed through the physical form. This mode can be used only if the income is less than `5 lakh and no refund is claimed.

 Returns can also be filed through the IT website by downloading the appropriate form, filling it and generating a file. The file has to be uploaded and submitted by logging into the income tax website.

 Another way is to log into the IT website with user ID and password and fill and submit the appropriate ITR form online itself.

 One can take help of the IT departmentappointed tax return preparers to prepare and file income tax if one finds it difficult to do so.

 Alternatively, there are many e-filing websites, e-filing apps or chartered accountants who can assist in filing returns.





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For further information contact SaveTaxGetRich on 94 8300 8300

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E-filing Vault

 

E-filing vault makes your tax e-filing account safer


Your e-filing account, which keeps a lot of your financial information in one place, can be vulnerable to security threats. E-filing vault comes into play here




Almost all your dealings with the tax department-such as filing tax returns, replying to tax notices, and tracking your refunds-can be done through the income tax department's e-filing website www.incometaxefiling.gov.in. For this, you need to have an account on the website. However, having all the information online can leave you vulnerable to frauds. Therefore, security of your tax filing account-which has all your vital financial information-is of utmost importance. While the e-filing website is secure, you or anyone else can login to it using details such as your Permanent Account Number (PAN), date of birth and password. This is where the e-filing vault comes in and adds a second layer of authentication, to prevent unauthorised access to your account.


Additional security
E-filing accounts contain details such as your PAN, address, bank details, tax deducted at source, income tax returns filed, and movable and immovable assets if your taxable income is more than Rs 50 lakh a year. The e-filing vault helps keep this information secure, because it adds a second layer of authentication apart from login ID and password. The dual-factor authentication ensures a higher degree of security. This facility is similar the process of authenticating banking transactions using one-time passwords (OTPs) or a specified digits from your card.




























To use the e-vault facility, you need to login to your tax e-filing account and under the 'Profile settings' tab, go to 'E-filing Vault-higher security'. Click this option and then login using any one of the more secure methods, such as: Aadhaar linkage to generate OTP; Net banking; demat account electronic verification code (EVC), bank account EVC, or Digital Signature Certificate (DSC). Once you choose your mode, the next time you login, an additional check of OTP using Aadhaar net banking, bank or demat account or DSC will be applicable. For example, if you choose net banking, you would need to login to your net banking account to access the e-filing portal. For using options like Aadhaar, DSC, bank or demat account, you need to register these details with your e-filing account.


Managing the vault
On the same 'E-filing vault-higher security' page, you can choose how you would like to reset your password if you forget it. All the above-mentioned options for adding a layer of security to the login process are also available changing passwords. One can choose the process of resetting the password using one or more options of these options. This is to ensure that no one else can reset your password, even if the secret question answer or e-filing OTP is known.


To deactivate this secure login, go to 'Profile settings', click 'E-filing vault-higher security' and deselect the 'Login through- Aadhaar linkage to generate OTP; Net banking; Demat Account EVC, Bank Account EVC, or DSC' option. When you click 'Proceed', you would have deactivated secure login.



Invest Rs 1,50,000 and Save Tax up to Rs 46,350 under Section 80C. Get Great Returns by Investing in Best Performing ELSS Funds. Save Tax Get Rich

For further information contact SaveTaxGetRich on 94 8300 8300

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