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WordsIncome tax return

ITR

Short for income tax return: the form in which you report your income, and the tax on it, to the Income Tax Department each year. You file it on the department’s e-filing portal, and then have 30 days to verify it, which can be done online.

Banks list it among the documents that prove income, beside salary slips and Form 16; HDFC Bank’s page for its IndianOil card, for example, does. Axis Bank’s form for a higher limit asks for the last two years’ ITRs with the computation of total income, or recent salary slips.

Where this comes from

  1. Income Tax Department, File ITR-1 (Sahaj) Online User ManualSection 3.1, purpose, and the verification step, as read on 4 October 2026
  2. HDFC Bank, IndianOil HDFC Bank Credit CardDocuments required to get you started, as read on 4 October 2026
  3. Axis Bank, Request for Credit Card Limit EnhancementDocuments to enclose; form dated 10 April 2026

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What your ITR did or didn't doProving income without a payslip

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