ITR-3 Filing Required – Salary + Minimal F&O Trading + Minimal Capital Gains (FY 2025-26)
Budget: ₹600 – ₹1,500 INR
I need my individual income-tax return (ITR-3) prepared and filed for AY 2026-27.
My income streams are:
* Salary/wages from full-time employment (Form 16 available)
* Futures & Options (F&O) trading – minimal activity, treated as non-speculative business income
* Capital gains – STCG and LTCG from equity/mutual funds (minimal)
* Other income – interest, dividends, etc.
* Self-employment declaration – business income is zero (only for completeness)
Deductions to claim:
* Home mortgage interest (Section 24)
* Education loan interest (Section 80E)
* Other 80C/80D deductions as applicable
Documents I will provide:
* Form 16, salary slips
* F&O contract notes and brokerage statements
* Capital gains statement from broker
* Home loan interest certificate (from bank)
* Education loan interest certificate
* Investment proofs for 80C/80D
* Business P&L (minimal, mostly zero)
Your scope of work:
* Review documentation for completeness and compliance
* Prepare calculation worksheet comparing old vs new tax regimes
* Optimize legitimate deductions and credits, including accurate F&O reporting under Schedule BP
* Confirm if tax audit under Section 44AB is applicable
* File directly on incometax.gov.in portal (or authorized third-party)
* Guide me through e-verification after filing
* Advise on advance tax implications for next year
Important: Business income is zero. F&O, STCG, LTCG activity is minimal.
When responding, please include:
* Additional information/documents you'll need from my side
* Your expected timeline (I need this filed by [your deadline])
* How you typically handle F&O reporting in ITR-3 (Schedule BP, turnover calculation, P&L format)
* Whether you provide post-filing support for notices/queries
Proven experience with ITR-3, F&O trading schedules, and multi-source individual returns is essential.
My income streams are:
* Salary/wages from full-time employment (Form 16 available)
* Futures & Options (F&O) trading – minimal activity, treated as non-speculative business income
* Capital gains – STCG and LTCG from equity/mutual funds (minimal)
* Other income – interest, dividends, etc.
* Self-employment declaration – business income is zero (only for completeness)
Deductions to claim:
* Home mortgage interest (Section 24)
* Education loan interest (Section 80E)
* Other 80C/80D deductions as applicable
Documents I will provide:
* Form 16, salary slips
* F&O contract notes and brokerage statements
* Capital gains statement from broker
* Home loan interest certificate (from bank)
* Education loan interest certificate
* Investment proofs for 80C/80D
* Business P&L (minimal, mostly zero)
Your scope of work:
* Review documentation for completeness and compliance
* Prepare calculation worksheet comparing old vs new tax regimes
* Optimize legitimate deductions and credits, including accurate F&O reporting under Schedule BP
* Confirm if tax audit under Section 44AB is applicable
* File directly on incometax.gov.in portal (or authorized third-party)
* Guide me through e-verification after filing
* Advise on advance tax implications for next year
Important: Business income is zero. F&O, STCG, LTCG activity is minimal.
When responding, please include:
* Additional information/documents you'll need from my side
* Your expected timeline (I need this filed by [your deadline])
* How you typically handle F&O reporting in ITR-3 (Schedule BP, turnover calculation, P&L format)
* Whether you provide post-filing support for notices/queries
Proven experience with ITR-3, F&O trading schedules, and multi-source individual returns is essential.