Most people think an Income Tax Return is something only salaried employees, businessmen and professionals need to worry about.

If you are a student, farmer, homemaker or retired person, you may simply assume: "I don't have taxable income. Why would I need to file an ITR?"

But tax can sometimes be deducted or collected from you even when you don't have a regular salary or business income.

You may have bought a high-value car and TCS was collected.

You may have made a foreign remittance and TCS was collected.

Your bank may have deducted TDS from your interest income.

You may have sold a property and TDS was deducted from the transaction.

A client may have deducted TDS from your professional or freelance income.

In each of these situations, the tax deducted or collected is generally available as a tax credit against your PAN, subject to the applicable provisions.

The important question is what happens when that tax credit is more than the tax you actually owe.

That is when an income tax refund can arise.

And this is why checking your tax records can be worthwhile even if you do not normally think of yourself as someone who needs to file an Income Tax Return.

A student may have TCS sitting against their PAN.

A farmer may have TDS on interest income.

A homemaker may have TDS deducted by her bank.

A senior citizen may have TDS deducted from interest on investments.

A freelancer may have TDS deducted by clients.

In other words, not having a salary or professional income does not necessarily mean that there is no tax credit against your PAN.

So, before you assume that there is no reason for you to file an ITR, check your Form 26AS, Annual Information Statement (AIS), TDS/TCS certificates and tax-payment records.

You may find that tax has already been paid or collected on your behalf.

But there is one important distinction to understand.

What Is an Income Tax Refund?

An income tax refund arises when the tax already paid or collected from you is more than your actual tax liability.

For example, suppose your final tax liability for the year is ₹5,000.

During the year:

• TDS deducted = ₹12,000
• TCS collected = ₹3,000

Your total eligible tax credit is:

₹12,000 + ₹3,000 = ₹15,000

Your actual tax liability is:

₹5,000

Therefore:

Potential refund = ₹15,000 - ₹5,000 = ₹10,000

The refund is not a special benefit or incentive. It is essentially the excess tax already paid or collected from you, subject to the applicable provisions, availability of the tax credit and processing of your Income Tax Return.

The Income Tax Department confirms that excess tax paid can be claimed as a refund by filing the Income Tax Return.

So the question is not simply:

"Do I have a salary?"

The more important questions are:

"Has any TDS or TCS been reported against my PAN?"

and

"After calculating my actual tax liability, is that tax credit more than what I owe?"

If the answer to the second question is yes, you may have an income tax refund to claim.

Let's look at the situations where this can happen.

First, Understand the Difference Between TDS and TCS

Before getting into the examples, one important distinction needs to be clear.

TDS: Tax Deducted at Source

TDS is tax deducted by the person making certain specified payments.

For example, TDS may apply to specified:

• Interest payments
• Professional fees
• Rent
• Commission
• Salary
• Property transactions
• Other specified payments

TCS: Tax Collected at Source

TCS is tax collected by the seller or other specified collector in transactions covered by the TCS provisions.

For example, TCS can apply in specified cases involving:

• Motor vehicle purchases
• Foreign remittances
• Overseas tour programme packages
• Other specified transactions

The important point is this:

Whether it is TDS or TCS, the amount can generally become a tax credit for the person against whom it has been deducted or collected.

If that credit is higher than the person's final tax liability, a refund may arise.

For transactions around the transition to the Income-tax Act, 2025, the applicable provisions depend on the relevant date and the nature of the transaction. For TDS, the applicable law generally depends on when the amount is credited or paid, as applicable under the transition provisions. For TCS, the transition depends on when the amount is debited or received, as applicable.

This distinction is particularly important because tax rates, thresholds and applicable provisions can depend on the relevant Tax Year and transaction date.

1. You Bought a Car and TCS Was Collected

Let's start with one of the most surprising examples.

You buy a car. You pay the dealer.

And apart from the price of the car, TCS may be collected from you where the statutory conditions are satisfied.

Under the current TCS framework applicable to Tax Year 2026-27, the sale of a motor vehicle above the prescribed threshold is covered by the TCS provisions.

For a qualifying motor vehicle transaction exceeding ₹10 lakh, TCS is applicable at the prescribed rate of 1% under the current framework.

So, for example:

Car value: ₹20 lakh

TCS: ₹20,000

That ₹20,000 is not automatically your final income-tax liability.

It is a tax credit available against your PAN, subject to the applicable rules.

Now imagine the buyer is a student.

The student has:

• No salary
• No business income
• No professional income
• No other significant taxable income

The student's final tax liability may be nil.

But there is still ₹20,000 of TCS credit.

That is where an Income Tax Return can become relevant.

If the TCS is validly available as tax credit and exceeds the final tax liability, the excess may be refundable.

But don't misunderstand this.

It does not mean:

"Buy a car and the government will refund the TCS."

The correct principle is:

If TCS has been collected against your PAN and your final tax liability is lower than the available tax credit, the excess may be refundable.

The transaction must also actually fall within the applicable TCS provision.

So, if you have purchased a high-value car, check your Form 26AS and AIS to see whether TCS has been collected against your PAN.

2. You Made a Foreign Remittance and TCS Was Collected

Another situation that can create tax credit is certain foreign remittances.

This can be particularly relevant to:

• Students studying abroad
• Parents funding overseas education
• People travelling overseas
• Individuals making permitted investments abroad
• Families making other qualifying LRS remittances

TCS can apply to specified remittances under the Liberalised Remittance Scheme, subject to the applicable purpose, threshold and rate.

And this is an area where you need to be careful about the Tax Year.

The TCS rules changed from 1 April 2026.

For Tax Year 2026-27, the current framework provides different treatment for specified LRS remittances, including a lower rate for qualifying education or medical-treatment remittances and different treatment for other specified purposes.

Therefore, you should not take an old article stating a particular percentage and apply it blindly to a 2026-27 transaction.

The applicable rate depends on the nature and purpose of the remittance and the law applicable on the transaction date.

Example

Suppose a student makes a qualifying foreign remittance.

TCS is collected against the student's PAN.

The student has no salary and no other taxable income resulting in tax liability.

That TCS is still a tax credit.

If the final tax liability is lower than the tax credit, the excess may potentially be claimed as a refund through the ITR.

The important question is:

Whose PAN was used and against whom was TCS actually collected?

That person is the person whose tax credit needs to be reconciled.

3. You Bought an Overseas Tour Package and TCS Was Collected

This is another example that people frequently confuse with TDS.

It is TCS, not TDS.

The rules relating to overseas tour programme packages have also changed under the current framework.

From 1 April 2026, the TCS treatment for overseas tour programme packages was changed, including the applicable rate structure.

Therefore, if you purchased an overseas tour package, check the TCS actually collected against your PAN rather than relying on a generic rate found online.

If TCS has been collected and your final income-tax liability is lower than the tax credit, the excess may be refundable.

This can be particularly relevant where the person making the purchase has relatively little taxable income.

4. Your Bank Deducted TDS From Your Fixed Deposit Interest

Now let's move to one of the most common situations.

Suppose you have a fixed deposit with a bank.

You earn interest.

The bank deducts TDS where the applicable provisions require it.

But TDS does not automatically mean that you ultimately owe that amount as tax.

Example

Suppose:

FD interest = ₹2,00,000

TDS deducted = ₹20,000

Your final income-tax liability after considering your complete income profile and applicable provisions may be:

₹5,000

In that case, subject to other adjustments:

₹20,000 TDS - ₹5,000 final tax = ₹15,000 potential refund

The Income Tax Department specifically states that where tax has been deducted by a bank, the taxpayer still needs to disclose the income and claim credit for the TDS in the Income Tax Return. It also confirms that excess tax can be claimed as a refund through the return.

This is particularly relevant to:

• Senior citizens
• Homemakers
• Students
• Retired persons
• People between jobs
• Individuals with relatively low taxable income

5. You Are a Student With TDS or TCS Against Your PAN

This is perhaps one of the most overlooked situations.

A student may say:

"I am only studying. I don't earn anything."

Fair enough.

But the question is not only whether the student earns a salary.

The question is:

Does the student have any tax credit against the PAN?

For example, a student may have:

• TCS on a qualifying motor vehicle purchase
• TCS on a qualifying foreign remittance
• TDS on bank interest
• Other tax credits arising from specified transactions

Example

A student has:

TCS = ₹25,000

Other taxable income = Nil

Final tax liability = ₹0

Subject to the tax credit being correctly reported and available:

Potential refund = ₹25,000

This is why the statement:

"Students don't need ITRs"

is too broad.

A student may not have a conventional reason to file a return based solely on salary or business income, but may still have a reason to file because of a legitimate refund claim or because a statutory filing requirement applies.

6. You Are a Farmer and TDS/TCS Has Been Collected Against Your PAN

Farmers are another group that often assumes:

"My income is agricultural, so there is no point in checking my tax records."

That is not necessarily correct.

Qualifying agricultural income may be exempt under the applicable provisions.

But a farmer can also have:

• Bank interest
• Rental income
• Capital gains
• Business income
• Other taxable income

A farmer may also have TDS or TCS against the PAN.

Example

Suppose a farmer has:

Agricultural income: ₹8 lakh

Bank interest: ₹80,000

TDS on interest: ₹8,000

You cannot determine the farmer's tax liability simply by saying:

"The farmer earns ₹8 lakh, so there is no tax."

The agricultural income and taxable non-agricultural income need to be considered together under the applicable provisions, including the rules relating to partial integration of agricultural income where applicable.

If tax has been deducted or collected and the final liability is lower than the available tax credit, a refund may arise.

Please note:

Agricultural income should not simply be entered as "zero income."

Its correct tax treatment and disclosure depend on the nature and amount of agricultural income and the applicable ITR provisions.

7. You Are a Homemaker and TDS Was Deducted From Your Income

A homemaker may not receive a salary.

But that does not mean there can never be a tax credit against her PAN.

For example, she may have:

• Fixed deposit interest
• Savings interest
• Dividend income
• Rental income
• TCS on a qualifying transaction
• Other specified income

Suppose TDS has been deducted from her bank interest.

If her final tax liability is lower than the TDS credit, she may be entitled to a refund.

This is why checking Form 26AS and AIS can be useful even if you have never filed an ITR before.

8. You Are a Senior Citizen and TDS Was Deducted From Interest

Senior citizens often have a substantial portion of their income coming from:

• Fixed deposits
• Savings accounts
• Bonds
• Other investments
• Pension

Banks may deduct TDS on interest where the applicable conditions are satisfied.

But again:

TDS deducted is not necessarily equal to final tax payable.

The final tax calculation depends on the person's complete income and the applicable tax regime and provisions.

If the available TDS exceeds the final tax liability, the excess may be refundable.

And if a senior citizen is eligible to submit the appropriate declaration to avoid TDS on qualifying interest in the first place, that can sometimes be preferable to paying TDS and waiting for a refund.

9. You Are a Freelancer or Professional and Your Client Deducted TDS

Suppose you are:

• A doctor
• Lawyer
• Chartered accountant
• Consultant
• Coach
• Designer
• Architect
• Freelancer
• Trainer
• Other professional

You receive a payment from a client.

The client deducts TDS.

For example:

Professional receipts = ₹4,00,000

TDS = ₹40,000

Your actual final tax liability may be lower than ₹40,000 depending on:

• Your total income
• Eligible business or professional expenses allowable under the applicable provisions
• Applicable deductions
• Applicable tax regime
• Other income
• Applicable rebate or tax provisions

If your final tax liability is ₹15,000, the balance tax credit may potentially result in a refund.

The key point is:

The amount your client deducted is a tax credit. It is not automatically your final tax liability.

10. You Received Rent and TDS Was Deducted

Rental income can also result in TDS in applicable situations.

Suppose a property owner receives rent and the payer deducts TDS.

The property owner cannot simply assume:

"The TDS is my final tax."

The final tax computation has to be carried out under the applicable provisions governing income from house property and the person's overall income.

For example:

Gross rent = ₹6,00,000

TDS = ₹60,000

The taxable income from the property is not necessarily the same as the gross rent.

The final tax liability has to be computed under the applicable provisions.

If the TDS credit exceeds the final tax liability, the excess may be refundable.

11. You Sold a Property and TDS Was Deducted

This is another major situation where taxpayers sometimes confuse TDS with final tax liability.

Suppose you sell an eligible immovable property.

The buyer deducts TDS as required under the applicable provisions.

For example:

Sale consideration = ₹80 lakh

TDS = ₹80,000

You might think:

"I have already paid ₹80,000 tax."

Not exactly.

You have received a tax credit of ₹80,000.

Your final tax liability needs to be determined separately.

The capital-gains computation may depend on:

• Cost of acquisition
• Date of acquisition
• Nature of the property
• Applicable capital-gains provisions
• Exemptions, where available
• Other relevant facts

Suppose the final tax liability works out to ₹30,000.

Then, subject to the credit being correctly available:

TDS = ₹80,000

Final tax = ₹30,000

Potential excess = ₹50,000

That excess may form part of your refund.

The new Income-tax Act, 2025 also has a consolidated TDS framework. For relevant transactions from 1 April 2026, specified TDS transactions are reported under the new framework, including Form 141 for specified categories.

12. You Received Dividend Income and TDS Was Deducted

Dividend income is another situation where TDS can potentially be involved.

Suppose:

Dividend income = ₹1,50,000

TDS = ₹15,000

You need to include the dividend income in your tax computation.

The fact that ₹15,000 has already been deducted does not automatically mean that ₹15,000 is your final tax liability.

Your overall tax position needs to be calculated.

If your final tax liability is lower than the TDS credit, the excess may be refundable.

This can be particularly relevant to people who have investment income but no salary or business income.

13. You Earned Interest on Bonds or Securities and TDS Was Deducted

Investors receiving interest from specified securities or other investments may also have TDS deducted where the applicable provisions apply.

For example, a retired person may have:

• Pension
• Bank interest
• Bond interest
• TDS on interest

The final tax liability has to be calculated based on the complete income profile.

If TDS is higher than the final tax liability, the excess can potentially become a refund.

Again, the applicable threshold and rate need to be checked for the relevant Tax Year and type of security.

14. You Paid Advance Tax but Your Final Tax Liability Was Lower

Refunds do not arise only because of TDS and TCS.

You can also have excess tax because you paid advance tax during the year.

For example:

Estimated tax liability = ₹2,00,000

Advance tax paid = ₹2,50,000

Final tax liability = ₹1,80,000

Subject to applicable adjustments:

Potential excess tax = ₹70,000

The Income Tax Department recognises advance tax as one of the tax payments that can contribute to a refund where the total tax paid exceeds the actual tax liability.

15. You Paid Self-Assessment Tax but Your Final Liability Was Lower

The same principle applies to self-assessment tax.

Suppose you initially calculate:

Tax payable = ₹1,00,000

You pay ₹1,00,000 as self-assessment tax.

Later, while preparing the return, you correctly identify an adjustment that reduces your final liability to:

₹70,000

The excess:

₹30,000

may become refundable, subject to the applicable provisions and processing.

So if you have paid tax yourself, do not forget to reconcile your challans while preparing the ITR.

A Refund Is Not the Same as TDS or TCS

This distinction is extremely important.

Suppose your Form 26AS shows:

TDS = ₹50,000

It does not mean:

Refund = ₹50,000

Your final tax liability could be:

Scenario 1

TDS = ₹50,000

Final tax = ₹20,000

Potential refund = ₹30,000

Scenario 2

TDS = ₹50,000

Final tax = ₹50,000

Potential refund = ₹0

Scenario 3

TDS = ₹50,000

Final tax = ₹80,000

Potential balance tax payable = ₹30,000

Therefore:

The refund is determined only after calculating your final tax liability and giving credit for eligible taxes already paid or collected.

How Do You Know Whether You Have a Refund Due?

This is where Form 26AS and AIS become important.

Form 26AS

Form 26AS contains tax-credit information, including TDS and TCS data.

The Income Tax Department's current guidance states that, from AY 2023-24 onwards, Form 26AS available through TRACES displays TDS/TCS-related data.

AIS: Annual Information Statement

AIS provides broader information relating to your tax and financial transactions.

It can contain information relating to:

• TDS
• TCS
• Specified Financial Transactions
• Tax payments
• Demand
• Refund
• Other reported information

The Income Tax Department specifically explains that AIS provides information beyond the TDS/TCS information displayed in Form 26AS.

So check both.

If you only look at your bank statement, you may not get the complete picture of your tax records.

What If TDS Is Missing From Form 26AS?

Suppose your employer, bank or client says:

"We deducted TDS."

But you cannot see the credit correctly in your tax records.

Do not simply assume that you can claim whatever amount the deductor tells you.

Reconcile:

• TDS certificate
• Form 26AS
• AIS
• Your bank statement
• Relevant income

If there is a mismatch, the deductor may need to file a correction.

The Income Tax Department provides a tax-credit mismatch mechanism for discrepancies involving TDS, TCS and other tax payments.

This is especially important because a refund claim depends on having valid tax credit.

Can You Get an Income Tax Refund If You Have Never Filed an ITR Before?

Yes, potentially.

You do not have to be a regular ITR filer merely to have a refund claim. If tax has been deducted, collected or paid and you are legally entitled to the corresponding tax credit, you may file the appropriate return and claim the refund, subject to the applicable filing provisions, time limits and other conditions.

For example, suppose this is the first year in which you have tax credit against your PAN.

You may be:

• A student
• A homemaker
• A farmer
• A senior citizen
• A new professional
• Someone who has never filed a return before

If you have a legitimate tax credit and your final tax liability is lower than that credit, you may have a refund claim.

The Income Tax Department expressly states that excess tax can be claimed as a refund by filing the Income Tax Return.

But Don't Assume "Low Income = No ITR Required"

This is an important qualification.

It is incorrect to say:

"My income is below the basic exemption limit, so I never have to file an ITR."

The Income-tax law contains specific circumstances where return filing may be mandatory even when a person's income, considered in isolation, does not appear to cross the ordinary threshold.

At the same time, a person who is not otherwise required to file may have a legitimate reason to file a return, including claiming an eligible refund.

Therefore, always check:

1. Whether you are required to file an ITR, and
2. Whether you have a refund or another reason to file.

Do not determine your filing obligation solely by looking at your salary or bank balance.

What If You Missed the ITR Filing Deadline?

Do not immediately assume that an old refund is permanently lost.

If you discover an old TDS or TCS credit, do not assume that the refund is automatically lost. Depending on the relevant Tax Year, applicable filing provisions and statutory time limits, specific remedies may be available for making a refund claim.

Therefore, if you believe that TDS, TCS or other eligible tax credits may have resulted in a refund for an earlier year, it is worth getting the position reviewed before assuming that the refund cannot be claimed.

For older refund claims, professional review is advisable because the applicable time limits and statutory provisions need to be checked carefully.

12 Situations Where You Should Check for an Income Tax Refund

If you normally do not file an ITR, these are some situations worth checking:

This table does not mean that every transaction automatically creates a refund.

It means these are situations where you should check whether tax has already been deducted, collected or paid and whether that amount exceeds your final tax liability.

Who Should Be Particularly Careful?

Students

You may have TDS or TCS despite having no salary.

Farmers

Agricultural income and other taxable income need to be considered separately.

Homemakers

Interest, dividend, rent or TCS may create tax credits.

Senior Citizens

Interest income can result in TDS.

Freelancers

Clients may deduct TDS from professional receipts.

New Professionals

You may have significant TDS despite having relatively modest taxable income.

Property Sellers

TDS may have been deducted even though your final capital-gains tax liability is lower.

People Making Foreign Remittances

TCS may have been collected against your PAN.

People Buying High-Value Cars

TCS may have been collected and should be reconciled with your tax records.

A Simple Example of How an Income Tax Refund Works

Let's put everything together.

Suppose you are a student.

During the year:

TCS on qualifying transaction: ₹25,000

Bank interest: ₹30,000

TDS on interest: ₹3,000

Your final tax computation results in:

Final tax liability: ₹0

Total available tax credit:

₹25,000 + ₹3,000 = ₹28,000

Potential refund:

₹28,000

The important point is that the refund did not arise because the student "doesn't earn."

It arose because:

Tax already collected = ₹28,000

Final tax liability = ₹0

Excess tax = ₹28,000

That is the basic logic behind an income tax refund.

Before You Ignore Your ITR, Do This One Check

If you normally do not file an Income Tax Return, take a few minutes to check:

1. Form 26AS

Check your TDS and TCS.

2. AIS

Check your broader reported financial information.

3. Bank statements

Check interest received and TDS deducted.

4. TDS certificates

Check whether the amounts match.

5. Foreign remittance records

If you made qualifying overseas remittances, check whether TCS was collected.

6. Car purchase documents

If you bought a qualifying high-value vehicle, check whether TCS was collected.

7. Property sale documents

If you sold property, check the TDS deducted by the buyer.

8. Tax challans

Check whether you paid advance tax or self-assessment tax.

Then ask the most important question:

After considering all my income and the applicable tax provisions, how much tax do I actually owe?

Only after that can you determine whether you have a refund.

Don't Leave Your Money Unclaimed

Many people are extremely careful about claiming cashback, discounts and rewards.

But when it comes to tax, they sometimes leave thousands of rupees unclaimed simply because they assume:

"I don't file an ITR."

That assumption can be expensive.

You may have:

₹10,000 of TDS.

₹25,000 of TCS.

₹50,000 of TDS from a property transaction.

₹30,000 of TDS from professional receipts.

The actual amount depends entirely on your circumstances.

But the principle remains the same.

If excess tax has been paid or collected, an eligible refund may be available.

And the first step is simply to check.

Final Takeaway

You do not have to be a salaried employee or a businessman to have an income tax refund.

A student can have a refund.

A farmer can have a refund.

A homemaker can have a refund.

A senior citizen can have a refund.

A freelancer can have a refund.

A person who has never filed an ITR before can potentially have a refund.

The common thread is not your profession.

It is your tax credit and final tax liability.

If TDS, TCS, advance tax or self-assessment tax has been paid or collected and your final tax liability is lower, the excess may be refundable.

So, before you say:

"I don't earn enough to file an ITR."

take one more step.

Check your PAN.

Check your Form 26AS.

Check your AIS.

Check your TDS/TCS certificates.

Check your tax challans.

Then calculate your actual tax liability.

You may discover that the question is not:

"Do I need to pay tax?"

It may actually be:

"Is some of the tax already paid by me waiting to be claimed back?"

And that is a very different question.

Frequently Asked Questions

1. Can I get an income tax refund if I have never filed an ITR before?

Yes, potentially. You do not have to be a regular ITR filer merely to have a refund claim. If tax has been deducted, collected or paid and you are legally entitled to the corresponding tax credit, you may file the appropriate return and claim the refund, subject to the applicable filing provisions, time limits and other conditions.

2. Can a student claim an income tax refund?

Yes. A student can have TDS or TCS against their PAN even without salary income. If the available tax credit exceeds the student's final tax liability, a refund may arise.

3. Can a farmer get an income tax refund?

Yes, potentially. Qualifying agricultural income may be exempt, but a farmer can also have other taxable income and may have TDS or TCS against their PAN. Where applicable, agricultural income may also need to be considered for rate purposes under the rules relating to partial integration.

4. Is TCS on a car refundable?

TCS is a tax credit, not automatically a refund. If applicable TCS has been collected and your final tax liability is lower than the available tax credit, the excess may be refundable.

For Tax Year 2026-27, the applicable TCS provisions for motor vehicles need to be checked based on the transaction and the current law.

5. Is TCS on foreign remittance refundable?

TCS collected in an applicable foreign-remittance transaction can generally form part of the taxpayer's tax credit. If the final tax liability is lower than the eligible credit, an excess may be refundable.

The applicable threshold and rate depend on the purpose of remittance and the Tax Year.

6. Is TDS on bank interest refundable?

Potentially. If the bank deducts TDS and your final tax liability is lower than the TDS credit, the excess may be refundable.

7. Is TDS on property sale refundable?

Potentially. TDS deducted on an eligible property transaction is a tax credit. It is not automatically the seller's final capital-gains tax. If the final tax liability is lower than the TDS credit, the excess may be refundable.

8. Where can I check my TDS and TCS?

You should check Form 26AS and AIS.

Form 26AS primarily displays TDS/TCS-related information, while AIS provides broader information relating to reported financial and tax transactions.

9. What if my TDS is not appearing correctly?

Reconcile your TDS certificate, Form 26AS and AIS. If there is a mismatch, the deductor may need to correct the TDS statement. The Income Tax Department provides a tax-credit mismatch facility.

10. Does TDS automatically mean I will get a refund?

No.

TDS is a tax credit.

Your refund depends on the relationship between:

Eligible tax credits and final tax liability.

11. What if I paid more advance tax than my final liability?

The excess may be refundable after the final tax computation and return processing, subject to applicable provisions.

12. What if I missed the ITR filing deadline?

Depending on the Tax Year and circumstances, statutory mechanisms such as condonation of delay may be available in appropriate cases. Such relief is not automatic and is subject to the applicable conditions and approval.

Need Expert Income Tax Guidance?

At Nine O Six Advisory, we help individuals and businesses understand their actual tax position, reconcile TDS and TCS credits, prepare and file Income Tax Returns, and identify eligible tax refunds.

Whether you are a student, farmer, homemaker, senior citizen, salaried individual, freelancer, professional, business owner or someone dealing with a property sale or foreign transaction, our tax professionals can help you determine whether tax is payable or a refund is due.

Don't leave a legitimate tax refund unclaimed simply because you assumed you did not need to file an ITR.

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