Download ITR Acknowledgement: Steps, Password, and What Lenders Accept

The ITR acknowledgement, also called ITR-V, proves that you filed. It carries your acknowledgement number and the filing date, and a lender asks for it with your return.
 

• Path: e-File, Income Tax Returns, View Filed Returns, then Download Receipt
• Also there: the uploaded JSON, the complete return in PDF and the intimation order
• Lost number: use the ITR status service before login, with the acknowledgement number and a mobile number
• Verification: e-verify within 30 days, or the later date counts as the filing date

• Lender use: the verified acknowledgement, the complete return and Form 26AS

  
  

Download the acknowledgement for each year after you verify the return, and save the complete return PDF beside it. A lender reads both.

The ITR acknowledgement is the receipt that the Income Tax Department generates when you file a return. It shows your acknowledgement number, the assessment year and the filing date.

It is called ITR-V when it also serves as the verification form. It proves that you filed. It does not prove that the return was accepted, because processing and the intimation follow. Verification is a separate step, as the guide to e-verification of income tax return explains.

Five steps get the file.
 

1. Log in to the e-filing portal with your Permanent Account Number (PAN) and password.
2. Open e-File, then Income Tax Returns, then View Filed Returns.
3. Select the assessment year.
4. Click Download Receipt next to the filed return.

5. Open the PDF with the password.

   
   

The password is your PAN in lowercase followed by your date of birth as DDMMYYYY, according to one guide. Keep the PDF, because the portal also sends it to your registered email after filing.

View Filed Returns offers 4 downloads, and a lender may need more than the acknowledgement.
 

Download all four for the years that a lender asks about, which can be the last 2 years.

Find it in 3 places. The email that the portal sent after filing carries the ITR-V. The View Filed Returns page lists it after login. The ITR status service works before login, using the acknowledgement number and a mobile number.

If you have the PAN and the assessment year, the post-login route gives the number. Write it down in your loan file, because the status service and any grievance need it.

Verify at once. A return that is not verified within 30 days is treated as not filed, and if the department accepts a late verification, the verification date becomes the filing date. That can turn an on-time return into a belated one, with the fee under Section 234F.

You verify by Aadhaar OTP, net banking, a bank or demat account, or by posting a signed ITR-V to the Centralised Processing Centre in Bengaluru. Download the acknowledgement again after you verify.

Consider Manish Gupta, a 40-year-old distributor in Jaipur with a household income of Rs. 2.2 lakh a month and a CIBIL Score of 768, who must give his last 2 years of returns for a home loan.
 

Manish sends the acknowledgements, the complete returns and Form 26AS. The lender can match his income to the department's records without further requests.

Bajaj Finance reviews income documents, including returns for the last 2 years. Keep the verified acknowledgement, the complete return and Form 26AS for each year ready.
 

Approval timelines can extend where a return is unverified or a year is missing, and minimum income thresholds can differ by city. Check your home loan eligibility and read the guide to how to register for ITR filing.