Hi everyone,
I'm an NRI living in the US and getting ready to file my Income Tax Return for FY 2025–26 (AY 2026–27). This year, I want to file the return myself through the Income Tax e-Filing Portal instead of using a CA.
I'm confused about which ITR form I should choose. I have rental income from a property in Chennai, interest from my NRO account, and a few long-term capital gains from mutual funds. I don't have any business income or professional income in India.
When I searched online, I found information about ITR-1, ITR-2, ITR-3, and ITR-4, but I'm not sure which one applies to my situation. I also noticed that the Income Tax Department has updated some ITR forms for AY 2026–27, so I don't want to select the wrong one.
Has anyone with a similar income profile already filed their return? How did you determine the correct ITR form? I'd appreciate any guidance based on your experience.
Thanks!
I'm based in the UK and made the mistake of choosing the wrong ITR form a few years ago. It delayed my filing because I had to revise everything.
Now I always check the official eligibility notes before starting. If your income includes business or professional income, the applicable form may be different. The form depends on your sources of income, not just whether you're an NRI.
I have a similar income profile and live in Canada. My income includes rent from a property in India and interest from my NRO account, along with some capital gains from listed shares.
For my case, I used ITR-2 because I didn't have any business or professional income. Before filing, I also checked the eligibility criteria on the Income Tax Department portal to make sure I was selecting the correct form.
If your income sources are similar, you may find the same form applicable, but it's always worth confirming based on the latest instructions.
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I filed my return from Singapore recently. Besides choosing the right ITR form, I found it helpful to gather all my documents first, including Form 26AS, AIS, TIS, bank interest certificates, and capital gains statements.
Once everything was ready, selecting the appropriate form became much easier because I could match my income sources against the eligibility criteria.
If you're unsure, spending a few extra minutes reviewing the official guidance can save a lot of time later.