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How To File Income Tax Returns Without Your Form 16

Adhil Shetty

Form 16 is significant for salaried individuals as it has all the information needed during the income tax returns filing process. With the changes notified by the Central Board of Direct Taxes (CBDT) this year, Form 16 will now be more detailed with exact information on tax-exempted allowances and tax claims made by an employee.

Usually, employers issue Form 16 by mid-June every year. However, this year the deadline for issuing the Form 16 has been extended by 25 days from June 15 to July 10. This move increases the possibility of extension of date for filing the income tax returns as a salaried individual would only get 21 days after the last deadline to file their returns.

Why Form 16 Is Important

Form 16 is important because it has all the information about your income and tax deducted in a financial year. It works as a proof about taxes paid by you to the government. Simply, it is an essential document to file your income tax returns. You may not get a Form 16 if no tax is deducted by your employer in a financial year, but you can still file your returns.

Although Form 16 is a crucial document for ITR filing, there can be a situation when you haven’t received this from your employer. This doesn’t imply that you cannot file your returns. You can still file your returns by following the below-mentioned steps.

Calculate Your Taxable Income By Keeping All Payslips Handy

When you don’t have your Form 16, your payslips will be the most important document to help you calculate your taxable income. You should keep all your payslips safe even if you have changed jobs in a financial year. A payslip comprises of all the crucial information like the salary breakups, allowances, tax deducted etc.

Download Your Form 26AS

In the absence of Form 16, Form 26AS is a crucial document in the return filing process and can come handy to ascertain the tax deducted at source (TDS) by your employer. Form 26AS has all the crucial information about the TDS and paid by you through your salary, bank deposits, FDs etc. Once you download the form, do match it with the TDS deducted by your employer. In case of any mismatch, connect with your employer for immediate correction.

Make Note Of All Your Income

While filing your income tax returns, ensure you include all income from sources other than your salary income. Rent from property owned by you, interest earned through various specified investment instruments, gains from shares and mutual funds are some of the incomes that are required to be added with your regular income.

Claim Deductions

This is an important step in lowering your taxable income. Keep yourself well versed with all the deductions you can avail through various eligible tax-saving investment avenues. Make full use of deductions available through Section 80C and Section 80D for various investment instruments like life insurance, PPF, ELSS, home loan. You can also avail tax deductions for your home loan interest (Section 24), education loan interest (80E), donations to qualified charities etc.

If House Rent Allowance (HRA) is part of your salary component, ensure you submit rent receipts to your employee to claim HRA deductions. You can claim it while filing your income tax returns even if you haven’t submitted the receipts to your employer.

Compute The Payable Tax

When you have all the relevant details handy to file your income tax returns, compute your taxable income. Your taxable income would be the difference between the deductions available and income from other sources. Calculate your tax liability on the taxable income as per the applicable tax slab by using an official tax calculator. Match the same with Form 26As to know if all the deductions and dues are correct. Depending on the computed figures, pay for taxes due or claim a refund.

Identify The Correct Forms

The income tax department has notified changes in the ITR forms for FY18-19 to make tax compliance more effective. Make sure you are aware of these changes to choose the correct form for yourself. After filing the form, submit it to complete the process of filing your income tax returns without Form 16 and before the due deadline.


The writer is CEO,