How to e-Verify your Income Tax Return Using AADHAR Card?

2025-05-25

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You need to file your income tax return every year. If you choose to file your return online, you should take care of certain things. For example, you must select the correct ITR form. The form type depends on your residential status and the income earned in the financial year. You must also know the due date for filing the returns. If you fail to file the return on or before the due date, there is a heavy penalty. There are two tax regimes, and you must select the more beneficial one.

Have you Linked your Aadhaar with PAN?

It is mandatory to link your PAN (Permanent Account Number) with Aadhaar. The last date to link them has passed, and if you have not done it, you need to take the necessary steps immediately.

As per the latest circular by the Central Board of Direct Taxes (CBDT), if your Aadhaar and PAN are not linked:

You will have to pay Rs 500 as a fine if you link within three months of the last date
The fine would be Rs 1000 in all other cases

If you link PAN-Aadhar before June 30, you will save Rs 500 as the fine. The first thing you should do is pay the fine, and then go ahead and link your PAN and Aadhar.

How to E-Verify ITR with Aadhar/EVC?

You get below four options to verify your returns:

Use EVC to e-verify return: Here is the list of verification options available:
- Digital Signature Certificate
- Aadhaar OTP
- Aadhaar OTP
- Electronic Verification Code (using Bank ATM - offline method)
- Net Banking
Generate Aadhar OTP to e-verify the return
Send the ITR-V/I later to e-verify

Using Aadhar	Using EVC
If you have linked your PAN and Aadhaar, you can opt for the third option.	If you have not linked Aadhaar and PAN, you can still verify your Income Tax online using the Electronic Verification Code (EVC).
Using the Aadhar option, you can e-verify your ITR in the least time.	You can generate EVC code by using net banking or through your mobile and email.
Once you select the third option, it will ask you to generate Aadhar OTP.	You get EVC by going to the 'e-File' tab, or you can generate it immediately after filing the return.
Once you click on it, a one-time password is sent to your registered mobile number.	From the e-File menu, once you click on Generate EVC, you get a 10-digit code on your registered mobile number.
Give the OTP on the page and click on the Submit button.	Select the first option from the above four options and enter the 10-digit EVC on the next page, and submit. Your return is verified.
You will get the confirmation - Return successfully e-Verified.

Are you Paying Too High a Tax?

You may think you are paying high taxes, and may want to save on taxes. However, you don't want to make an investment or show any expenses. If this is the case, you can still save on taxes. You can opt for a new tax regime introduced in FY21 for individuals with lower tax rates and fewer deductions (exemptions).

If you don't have any deductions to be claimed, you can opt for a new tax regime and save taxes as below with no deduction or claims:

Tax Rates under the Old Regime FY 2025-26 (AY 2026-27)
Taxable Income Range (₹)	Old Regime Income Tax Rate	Applicable Surcharge
Up to ₹2,50,000	Nil	Nil
₹2,50,001 to ₹5,00,000**	5% on income exceeding ₹2,50,000	Nil
₹5,00,001 to ₹10,00,000	₹12,500 + 20% on income exceeding ₹5,00,000	Nil
₹10,00,001 to ₹50,00,000	₹1,12,500 + 30% on income exceeding ₹10,00,000	Nil
₹50,00,001 to ₹1,00,00,000	₹1,12,500 + 30% on income exceeding ₹10,00,000	10%
₹1,00,00,001 to ₹2,00,00,000	₹1,12,500 + 30% on income exceeding ₹10,00,000	15%
₹2,00,00,001 to ₹5,00,00,000	₹1,12,500 + 30% on income exceeding ₹10,00,000	25%
Above ₹5,00,00,000	₹1,12,500 + 30% on income exceeding ₹10,00,000	37%

Tax Rates under the New Regime FY 2025-26 (AY 2026-27)
Taxable Income Range (₹)	New Regime Income Tax Rate	Applicable Surcharge
Up to ₹ 3,00,000	Nil	Nil
₹ 3,00,001 to ₹ 7,00,000	5% above ₹ 3,00,000	Nil
₹ 7,00,001 to ₹ 10,00,000	₹ 20,000 + 10% on income exceeding ₹ 7,00,000	Nil
₹ 10,00,001 to ₹ 12,00,000	₹ 50,000 + 15% on income exceeding ₹ 10,00,000	Nil
₹ 12,00,001 to ₹ 15,00,000	₹ 80,000 + 20% on income exceeding ₹ 12,00,000	Nil
₹ 15,00,001 to ₹ 50,00,000	₹ 1,40,000 + 30% on income exceeding ₹ 15,00,000	Nil
₹ 50,00,001 to ₹ 100,00,000	₹ 1,40,000 + 30% on income exceeding ₹ 15,00,000	10%
₹ 100,00,001 to ₹ 200,00,000	₹ 1,40,000 + 30% on income exceeding ₹ 15,00,000	15%
Above ₹ 200,00,001	₹ 1,40,000 + 30% on income exceeding ₹ 15,00,000	25%

How to Save Tax while Building a Future?

Many tax-saving investment options can lower your tax liabilities. The good part about these investment options is that they are also a good option to build a future for yourself and your loved ones. Below are some tax-saving investment options that also help in creating wealth:

Employee Provident Fund (EPF): It is the retirement scheme for a salaried employee. The employer deducts 12% of your basic salary and Dearness Allowance (DA), and the amount gets deposited in government-recognised provident fund schemes.
Unit Linked Investment Plans (ULIPs): ULIP is an excellent option for you if you are looking to invest in multiple asset classes and build tax-free wealth.
National Pension Scheme (NPS): This is another investment option to secure your retirement. You can invest in NPS over the working years. The funds can only be withdrawn after retirement.

Tax Saving and Financial Protection

You should not only focus on creating wealth through your investment but also prepare for the worst-case scenario. You should have two basic protection plans:

Term Insurance: It is the purest form of life insurance that offers you life cover at an affordable premium. You not only get a tax deduction, but it also keeps your family’s future safe from unfortunate events. An adequate term insurance cover will ensure a stable future for your family even after your untimely death. iSelect Smart360 Term Plan by Canara HSBC Life Insurance offers tax deductions as per the Income Tax Act. Learn more about iSelect Smart360 Term Plan.
Health Insurance: Health insurance is another essential financial tool you should always have. You can have two types of health covers:
- Mediclaim: which looks after emergency medical bills regardless of the illness
- Critical Health Cover: which provides a large benefit amount upon diagnosis of a dangerous illness or disability

While both plans are eligible for tax deduction under section 80D, you need Mediclaim for the family and critical cover for yourself.

Invest in your Future While Saving Taxes

The tax saving investment and instruments allow you to meet your financial needs while saving taxes. Tax saving investments like PPF, NPS, ULIPs, etc., help you achieve your long-term financial goals. Other tax-saving instruments like term and health insurance plans help you keep your family and investments safe from sudden emergencies.

Using tax-saving investments, you can make your long-term investments more tax-efficient. So, use tax-saving investments while planning your long-term goals. This will also help you avoid the last-minute tax-saving rush every year.

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

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