Notices cost more time than a careful hour
These ten mistakes show up repeatedly in July mismatch processing and refund holds. None require a CA to avoid — they require AIS review and honest numbers before you click submit on incometax.gov.in.
Pair this with last-minute filing checklist if the clock is ticking.
1. Wrong ITR form
ITR-1 with equity sales → defective return. Use ITR-1 vs ITR-2.
2. Missing bank FD interest
AIS shows ₹35,000 interest; return shows zero → scrutiny. FD in AIS guide.
3. Previous employer skipped
Only current Form 16 entered → under-reporting. Two Form 16s.
4. Wrong tax regime
80C or HRA claimed in new regime → no benefit. Compare old vs new.
5. TDS not in 26AS
Claiming credit employer has not deposited → refund stuck. Match TDS schedule.
6. No advance/self-assessment tax when due
Large capital gains or freelance income → interest u/s 234B/C. Pay before filing.
7. Skipping AIS entirely
AIS mismatch lines ignored → automated variance.
8. House property category wrong
Let-out vs self-occupied → wrong 24(b) interest cap.
9. Capital gains in wrong schedule
Broker P&L not mapped to Schedule CG.
10. No e-verify within 30 days
Return invalid — e-verify guide.
What you should do
Import Form 16 + review AIS → regime compare → resolve mismatches → pay if payable → file → e-verify. LastMinute pre-submit checks target items 1–7 when data is imported.
Common mistake (meta)
Rushing at 11:59 pm without AIS refresh. May AIS misses June employer TDS updates — download again 48 hours before submit.