ITR
Deductions not declared to employer
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Facts
Yes. Deductions you did not declare to your employer can still be claimed in the return, if your regime allows them. Form 16 will show lower deductions; the return can show more, with proofs kept ready.
Provisions and law
- Sec 80C (now Sec 123)Deduction for specified savings and payments
- Sec 80D (now Sec 126)Deduction for health insurance
Analysis
If Form 16 shows ₹50,000 under 80C and you actually invested ₹1,50,000, claim ₹1,50,000 in the return under the old regime. The extra tax deducted comes back as a refund. CPC may ask for proof if the claim differs a lot from Form 16, so keep receipts. These deductions are not available in the new regime.
Conclusion
- List all eligible investments and payments for the year
- Confirm you are filing under the old regime
- Claim the full deductions in the return
- Keep receipts for any query
A Savvy can do this for you
Pre-filing reconciliation of AIS, TIS, 26AS and Form 16
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