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Hope

Hope

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TF Premier From M.p.
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Viewing thread Rupay Select Debit Card (RSDC) Features and Benefits - Latest update (FY 2025-26) & Future Uncertainties - Discussion
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  • Hope
    So I have zero knowledge about ITR filling/Incometax etc
    I have some questions below before I proceed here's my info.

    I Was salaried till oct 2023 (currently student )
    My yearly salary was around 2L
    I never filed ITR etc.
    My CC usage have been alot in last FY used for self my father paid bills (and used cards to order for friends etc ) and got amount in savings account and paid bills through that for some reward.
    My CC spend was ~
    ICICI - 3-4L
    Axis - 2.5L
    SBI - 1.4L
    HDFC - 2.5L

    Bob - 50k
    Now my noob question are.
    1) Should I file ITR ?
    2) is it fine if I register in e-filing portal and check AIS report etc ( never got and message regarding that ) or they will track more after registering.
    3) or leave it as it is.

    Please tell what I should do, and what I am doing wrong any knowledge appreciated.
    Thanks in advance.
    View previous comments…
    Hope
    Hope
    @desiviru thankyou for clarifying everything.
    And if I stop using cc for friends.
    My usage will be less ~5k/m overall cc.
    So I will be fine right ? Then no need to do anything.
    Then when I get job and if income is >3L I can start filing.
    D
    desiviru
    @Hope Yes it will be fine. You can file ITR if and when income is more than 2.5L in Old regime and 4L in new regime. Below this mark you are exempted from filing but remember in that previous year your transaction should not be something that can prove you had expenses but still you have not made ITR so where this money came from.

    IT Department generally look at a person's last 3 years ITR figures and compare it with their expenses (only when they get to notice else there are crores of peoplee and they can not look for everyone and it is just random. Simple words mein jiska time aa gaya ya number aa gaya uski lagegi).

    Suppose your ITR was Rs.6L, 8L and 9L for last 3 years and your spends on CC are say 25L then this is questionable as 23L income and 25L spends. But if you can prove you took this money from father or anyone who can also confirm and this was not in cash (cash can be 20K only), you are good to go and safe.

    Jo karna hai karo bas uska hisaab jarur rakho. Yeh khaoge ki friend ke liye ki thi toh fir usko bhi le aana questioning ke time ki usne payment cash mein ki ya tumhe fund tfr kiye. Cash mein ki hai to tum dono ki lagegi.

    Jab tak department ki nazar nahi pade sab theek hai. Par ek baar fasey toh bahar nikalene nahi denge yeh log.

    Darna nahi hai par alert raho. Aur pata rahe tumhe bas ki kya kar rahe ho aur zayaz bhi hai.
    Hope
    Hope
    @desiviru thankyou.
    All transactions were online.
    If something like happen friends will be present. A big relief for me you cleared everything.
    Thankyou again.
    Hope
    Yatra FLIGHT only voucher worth rs700 available @80rs.
    Validity till 20May.
    Dm if interested.
    Hope
    Hey guys,
    Yesterday was my sbi card last day of due date and i totally forgot to pay, i will pay today just waiting to upi to start work again.
    Will sbi report to my cibil about late payment ?
    And there will be any charges ?
    Thanks.
    • Like
    Reactions: Aniket
    View previous comments…
    Aniket
    Aniket
    Why to wait for UPI? Use another payment method, you can try NEFT as well.
    • Like
    Reactions: Hope
    Hope
    Hope
    Paid already.
    R_A_J
    R_A_J
    Dont worry, you get 3 days grace period even after the due date......you wont be impacted this time. Any late payment fee charged would be reversed (happened in HDFC with me) but would suggest not to use it as a extended timeline every time.
    Hope
    Yatra FLIGHT only voucher worth rs 700 for sale @99 rs.
    Validity till 20May.
    It was working on bus too so i bought total 11, now they are no use for me.
    Dm if interested.
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