An OTP will be sent to this number for verification
You may have a pre-approved offer
Enter required home loan amount
In summary
Step-by-Step Guide to Register for ITR Filing in India
Last updated: Oct 2026
To register for ITR filing, you need a valid Permanent Account Number (PAN), a mobile number and an e-mail address. Registration creates the account that you use to file, pay tax and track refunds. It does not file your return.
- Prerequisites: a valid and active PAN, a mobile number and an e-mail ID
- Steps: 5, from PAN validation to setting a password
- One-time passwords (OTP): 2 separate 6-digit codes, one to your mobile and one to your e-mail
- User ID: your PAN, for every later login
Blocker: a PAN not linked with Aadhaar becomes inoperative and can stop filing
Register once, using details exactly as they appear on your PAN card. Then link Aadhaar and verify your return after filing, because registration and verification are separate steps.
Who needs to register for ITR filing?
Anyone who files online needs a portal account, and you register only once. Your PAN becomes your User ID for every later year.
| Your situation | Register again? |
|---|---|
| First time on the e-filing portal | Yes, register now |
| You filed online in an earlier year | No, log in with your PAN and password |
| You forgot your password | No, use the forgot password option |
The portal is the official website of the Income Tax Department at incometax.gov.in. Register there, not on a third-party site.
Show more
Show less
What do I need before I register?
You need 3 things: an active PAN, a mobile number and an e-mail ID. Keep your PAN card open, because the portal checks your entries against it.
| Item | What to keep ready | Why |
|---|---|---|
| PAN | Valid and active number | It is your User ID |
| Name, date of birth, gender, residential status | Exactly as on your PAN | A mismatch stops registration |
| Mobile number | A number you control | The portal sends a 6-digit OTP |
| E-mail ID | An address you control | The portal sends a second 6-digit OTP |
| Address | Your current address | It sits in your profile |
Use your own mobile number and e-mail. Every OTP and every departmental message goes there.
Show more
Show less
How do I register for ITR filing step-by-step?
Five steps create the account, and the OTPs come near the end.
- Open the e-filing portal, click Register and choose Taxpayer.
- Enter your PAN and click Validate. The portal shows an error if the PAN is already registered or invalid.
- Enter your name, date of birth, gender and residential status as per your PAN.
- Enter your primary mobile number, e-mail ID and address.
Enter the 2 separate 6-digit OTPs, then set a password and a personal message.
Read aloud, the order is PAN, details, contacts, OTPs, password. A confirmation reaches your e-mail and mobile when you finish.
Show more
Show less
Why does my registration fail or stall?
Most failures trace to 4 causes, and each has a fix.
| What you see | Cause | Fix |
|---|---|---|
| PAN already registered | An account exists | Log in, or reset the password |
| PAN invalid | A typing error or a wrong number | Check the 10 characters on your card |
| Details do not match | Name, date of birth or gender differs from the PAN record | Re-enter exactly as on the PAN, or correct the PAN record first |
| PAN made inoperative | PAN not linked with Aadhaar | Link Aadhaar and pay the Rs. 1,000 fee under Section 234H |
Fix the PAN record before you retry. Repeated attempts with the same mismatch fail each time.
Show more
Show less
What should I do after I register?
Link Aadhaar, pick the right return form, file, and verify. Each is a separate step.
- Link Aadhaar to your PAN from the Link Aadhaar option on the portal.
- Choose your form with the guide on which ITR form a salaried person files.
- File the return with the steps in the guide to filing income tax return online for salaried employees.
- Verify within 30 days, as the guide to e-verification of income tax return explains.
A worked example: a first-time filer with a deadline
Consider Neha, a 26-year-old analyst in Pune with a monthly income of Rs. 55,000 and a CIBIL Score of 733, who has never filed. Her return for assessment year 2026-27 can still be filed as a belated return until 31 December 2026.
Formula used: Late fee under Section 234F = Rs. 5,000 if total income exceeds Rs. 5 lakh, else Rs. 1,000.
| Step | What happened |
|---|---|
| Validate PAN | The portal accepted the PAN |
| Basic details | She typed Neha Kulkarni, but her PAN reads Neha R Kulkarni, so the portal rejected it |
| Fix | She re-entered the name exactly as on the PAN card |
| OTPs | She entered 2 codes, one from her mobile and one from her e-mail |
| Late fee | Income of Rs. 6,60,000 a year exceeds Rs. 5 lakh, so the fee is Rs. 5,000 |
Neha registers in 10 minutes and files the same week, because every extra week brings her closer to the 31 December 2026 limit.
Why does registration matter for a home loan with Bajaj Finance?
Bajaj Finance reviews income documents for the last 2 years, so a verified return supports your home loan application.
| Loan feature | Detail |
|---|---|
| Interest rate | From 7.25% p.a.*, subject to credit assessment |
| Loan amount | Up to Rs. 15 crore* |
| Tenure | Up to 32 years |
Approval timelines can extend where a year's return is missing or unverified, and minimum income thresholds can differ by city. Check your home loan eligibility once your returns are filed and verified.
Frequently Asked Questions
Registration basics
After you register
Is it free to register for ITR filing?
Yes. The portal charges no fee for registration. The only fee linked to your account is the Rs. 1,000 you pay under Section 234H to make an inoperative PAN operative after Aadhaar linking. Register only on the Income Tax Department's own portal, and ignore any site that asks for money to create your account.
Can I register with a relative's mobile number or e-mail?
You can enter any number, but you should not. Every OTP, refund message and notice goes to the registered mobile and e-mail. If a relative's contact details sit on your profile, they receive your messages, and you cannot log in without their codes. Use your own details, and update the profile if either changes.
Do I register again every year?
No. Your PAN stays your User ID for every year. You log in with your PAN and password, then choose the assessment year. Registration repeats only if you never completed it. If you forget the password, use the reset option on the login page instead of registering again, and keep the new password somewhere safe.
Does registration mean my return is filed?
No. Registration only creates the account. You still need to choose a form, enter your income, submit the return and verify it within 30 days. A return that you submit but do not verify is treated as not filed. Keep the acknowledgement number for your records and any future loan application.
Home loan for professionals
Home Loan in Different Cities
Home Loan in Mumbai
Home Loan in Ahmedabad
Home Loan in Bangalore
Home Loan in Chennai
Home Loan in Delhi
Home Loan in Hyderabad
Home Loan in Cochin
Home Loan in Noida
Home Loan in Pune
Home Loan for different budget
Check your pre-approved offer now
Our Calculators
What do our customers say about us
customers
Play Store rating
reviews
Amit Shiva
Reviewed on
Smooth and transparent home loan process. The interest rates were competitive, and documentation was minimal. The team guided me clearly at every step, making my first home purchase stress-free. Highly recommended for quick approvals.
Sandeep Kulkarni
Reviewed on
The loan disbursal was fast, and the customer support team was extremely patient with all my queries. Flexible EMIs helped me manage my monthly expenses easily. A great experience for salaried homebuyers.
Ritika Agarwal
Reviewed on
I had a great experience while transferring my existing home loan. The process was quick, and I saved significantly with the lower interest rate. Customer service was helpful throughout. Highly recommended for balance transfers.
Manoj Verghese
Reviewed on
Clear guidance, quick approval, and flexible repayment options made buying my new house easier than expected. The team handled everything professionally. Very satisfied and would definitely recommend their home loans
Find your nearest branch
More Articles
Watch our videos
Documents required to get a Bajaj Finserv Home Loan
Tips to increase your Home Loan eligibility
Things you need to know about pre-approved home loan
Things you need to know before applying for a Home Loan
How does Repo Rate affect your Home Loan
Download App
Now request money from your friends and family and make instant payments.
- Choose from personal, business, gold loans and more
- Pay utility bills, use UPI, get FASTag and more
- Buy over 1 million products on No Cost EMI
- Buy stocks, mutual funds and invest in FD
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.