When
Your employer sets the date, usually between December and February. Proofs are only needed if you chose the old regime for TDS. In the new regime, there's usually nothing to submit.
Proof checklist
| Claim | Proof to submit |
|---|---|
| HRA | Rent receipts or the rent agreement; landlord's PAN if rent is over ₹1 lakh a year |
| PPF, Sukanya Samriddhi | Passbook page or statement showing this year's deposits |
| ELSS mutual funds | Account statement showing the purchase |
| Life insurance | Premium receipt for this year |
| Children's tuition fees | Fee receipt showing the tuition part (up to 2 children) |
| Home loan principal and interest | The lender's certificate for the year |
| NSC, 5-year tax-saver FD | Certificate or deposit receipt |
| Health insurance (80D) | Premium receipt, paid other than in cash |
| Preventive health check-up | Bill, up to ₹5,000 (cash is fine) |
| Your own NPS (80CCD(1B)) | NPS transaction statement |
| Education loan interest (80E) | Bank's interest certificate |
| Leave travel (LTA) | Tickets or boarding passes |
| 80U or 80DD | Disability certificate from a medical authority |
Your own EPF contribution counts for 80C without any proof: it's in your payroll.
Rent receipts
- Each receipt shows your name, the landlord's name, the address, the amount, the month and the landlord's signature.
- For rent over ₹1 lakh a year, add the landlord's PAN.
- Cash payments over ₹5,000 need a ₹1 revenue stamp, signed across by the landlord.
- Rent to a parent who owns the house works if you really pay it and they show it in their return. Keep bank records.
Missed the deadline?
Your employer will cut more tax in the last months, and Form 130 (earlier Form 16) won't show the deduction. You can still claim it in your return under the old regime, filed by 31 July. Keep the proofs: the department can ask for them.
Common questions
When is investment proof submission due?
Your employer sets the date, usually between December and February.
What proof do I need for HRA?
Rent receipts or the rent agreement, and your landlord's PAN if rent is over ₹1 lakh a year.
Do I need proof for EPF?
No. Your EPF contribution is in your payroll and counts for 80C automatically.
What if I miss the proof submission deadline?
Your employer deducts more tax in the last months. You can still claim the deductions in your return under the old regime, filed by 31 July.
Two ways to sort this
Do it yourself
- Note your employer's proof deadline.
- Collect receipts and statements for each claim from the checklist.
- Make rent receipts, with your landlord's PAN if needed.
- Upload them before the deadline, and keep copies.
Let an expert do it
We check your proofs before you submit, and claim anything missed in your return.
The first chat is freeWork it out for yourself
- Rent receipt generator: Monthly rent receipts for HRA, as a PDF.
- HRA exemption: How much of your HRA is tax-free.
- 80C planner: Use your ₹1.5 lakh 80C limit well.
- Health insurance (80D): Deduction for health insurance and check-ups.
Make rent receipts and a summary for your employer.
Open the rent receipt generatorSources
- Tax rules for salaried individuals, AY 2026-27, Income Tax Department
- Form mapping guide: Income-tax Act, 2025 forms, Income Tax Department e-filing portal
This guide explains the rules in general. For your own situation, .