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As per regulation, Individual & Family Floater health insurance policies starting Sept 22, 2025, will have 0% GST. Choose a start date on or after this to avail the benefit.
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Filing your Income Tax Returns ( ITR full form) can be a little overwhelming, especially if you are new to the process. Essentially, filing an ITR means reporting your income, claiming any eligible exemptions and deductions and your tax liability to the IT (Income Tax) Department.
The Income Tax Department of India has greatly simplified the ITR filing process for taxpayers. E-filing of income tax returns is available online and can be done in just a few simple steps. Furthermore, offline options are also available.
Here is a quick guide to help you understand how to file ITR Returns online and offline, along with other essential details.
Note: For the AY 2024-25, the default tax regime is the New Tax Regime. You can opt-out and switch back to the old tax regime. Understanding the Old Tax Regime vs New Tax Regime is important to choosing the right option.
Upon completing the form, two outcomes are possible:
If you are required to pay additional tax, the applicable amount and the option to pay now or later will be provided. You can click on “Pay Now” to complete the transaction and then select “Back to Return Filing”.
The last and most important step in the ITR filing process is to e-Verify your ITR. E-Verification is necessary to authenticate your Income Tax Returns. There are three options here:
Once the e-verification is complete, a confirmation will appear on the screen. It will indicate that your return has been successfully filed and verified.
The online ITR filing process is highly recommended. It is simple, easy and straightforward. However, if you still prefer the offline process, here is the offline process.
You can also choose offline mode in step 3 of the process explained in the previous section to download the utility.
Step 4: Upload JSON File
Your PAN and Aadhaar must be linked before filing income tax returns. You also need to have your Aadhaar registered mobile number for OTP verification.
The ITR filing process is mandatory for all taxpayers with taxable income, including individuals, partnerships and companies.
Individuals whose gross total income is greater than the basic exemption limit are liable to pay income tax and file their ITR. You can determine who is eligible for ITR based on the basic exemption limit under the old and new tax regimes as follows:
Old Tax Regime Exemption Limits
New Tax Regime Exemption Limits
For individuals below 60 years of age - ₹2,50,000
For individuals between 60 and 80 years of age - ₹3,00,000
For individuals above 80 years of age - ₹5,00,000
₹7,00,000, regardless of age
The ITR filing process is also mandatory in the following cases:
Types of ITR
Details
ITR - 1
Resident individuals having income less than ₹50 lakhs,
Having income from salaries,
Having one house property,
Having other sources, such as interest income, pension, etc., and
Having an agricultural income of up to ₹5,000
ITR - 2
For individual taxpayers and HUFs not generating income from business or profession
ITR - 3
For individual taxpayers and HUFs generating income from business or profession
ITR - 4
Resident individuals, HUFs and firms,
Having an income of up to ₹50 lakhs,
Having income from business and profession applicable under Section 44AD, 44ADA or 44AE, and
ITR - 5
For applicable taxpayers other than individuals, companies, HUFs and others filing ITR-7.
ITR - 6
For companies that are not eligible for exemptions under Section 11
ITR - 7
For individuals and companies applicable for furnishing details under Section 139 (4A), Section 139 (4B), Section 139 (4C) or Section 139 (4D) only.
While filing your ITR, you must have observed options to reduce your income tax liability.
Section 80C and Section 80D are two of the most common options that help you reduce your income tax liability under the old tax regime.
While Section 80C applies to payments made to life insurance plans, Section 80D offers exclusive tax deduction benefits to premiums paid for health insurance plans.
By purchasing a health insurance plan for yourself, including family and parents, you can benefit from a tax deduction* of up to ₹1 lakh.
Reliance General Insurance offers health insurance plans online that help you cover various medical expenses at an affordable premium. You can customise it even further by opting for additional coverages specific to your requirements, such as critical illness coverage, maternity coverage and more.
We also offer the Section 80D Health Insurance Certificate online for the ITR filing process.
Income Tax Returns can be submitted either online or offline. Refer to the sections mentioned above for detailed steps to file income tax returns using both methods.
The due date applicable to filing your ITR is 31st July of the assessment year.
Yes, you can file Income Tax Returns, (ITR full form) after the due date, but it must be done before 31st December of the same assessment year.
You can use the ITR-U (Updated Income Tax Return) form to correct minor errors in your ITR and update them. However, this option is available only within two years from the end of the relevant assessment year.
If you miss the ITR filing deadline of 31st July, you can still file a return (belated return) before 31st December. However, a penalty of ₹5,000 (₹1,000 for taxpayers with income less than ₹5 lakhs) will apply.
In addition, an interest will also be charged for the delay in the ITR filing process.
Further delay or not filing ITR can result in further penalties, prosecution or imprisonment in severe cases.
Income tax refunds are generally processed and settled within 30 - 90 days from the date of filing your Income Tax Returns.
The status of your income tax refund can be tracked online using your PAN and the relevant assessment year.
If you fail to e-Verify your Income Tax Returns, it will be considered invalid even if you have already submitted it online.
No, it is not mandatory to attach the documents. However, it is essential that you secure the documents for any further investigations by the Income Tax Department.
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
What this means for you: Lower Premiums: You'll now pay only the base premium-no GST added.
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.
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Disclaimers:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Tax benefits are subject to conditions under the Income Tax Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
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