incometax.gov.in → click e-File → Income Tax Returns → View Filed Returns → Download JSON. Upload that .json file above on HelYou24 to instantly view and download a 2-page CA-style Computation of Total Income PDF with zero login, zero paywall, and 100% browser privacy.
How to Convert Your Income Tax e-Filing JSON File to a Computation PDF Online
Every year, crores of Indian taxpayers file their Income Tax Returns on the official Government of India e-Filing portal (incometax.gov.in). Once e-verification is completed via Aadhaar OTP, Net Banking, or EVC, the portal allows you to download two primary files: a 1-page ITR-V Acknowledgement and a technical Filed ITR JSON file. While ITR-V proves that your return was filed on time, it omits almost all financial details needed by banks, housing finance companies, credit card underwriters, and embassies.
HelYou24.com bridges that gap instantaneously. Our free client-side converter reads the exact schedules inside your downloaded CBDT .json file and formats them into a clean, structured, 2-page Chartered Accountant-style Statement of Computation of Total Income PDF—without changing a single rupee of your reported figures and without uploading your private tax file to any server.
1. Download Filed JSON
Log in to incometax.gov.in, open e-File → Income Tax Returns → View Filed Returns, and click Download JSON for the desired Assessment Year.
2. Select JSON on HelYou24
Click Select ITR .JSON File above. Our local JavaScript parser reads Personal Info, Schedule BP, Schedule OS, Deductions, and Tax Paid inside your browser memory.
3. View or Download PDF
Inspect your 2-page A4 Computation preview, click View PDF to inspect the vector document, or click Download Computation PDF to save it.
Difference Between ITR-V Acknowledgement and Computation of Total Income
Many first-time loan applicants submit only their 1-page ITR-V receipt to the bank and receive a query asking for the "Computation of Income sheet". Understanding the functional difference between these two documents saves days of loan processing delays:
| Document Feature | ITR-V Acknowledgement (1 Page) | Computation of Total Income PDF (2 Pages) |
|---|---|---|
| Primary Purpose | Proof of return filing, e-verification date & Acknowledgement Number | Complete financial working of how Total Taxable Income & Net Tax were arrived at |
| Head-Wise Income Breakup | Not shown (displays only single-line Gross Total Income) | Full breakup across Salaries, House Property, Business/Profession, Capital Gains & Other Sources |
| Business Turnover (Sec 44AD/44ADA) | Hidden (banks cannot see your shop/business gross receipts) | Clearly displays Bank/Digital Turnover, Cash Turnover, Total Receipts & Declared Profit % |
| Tax Slab & Sec 87A Working | Shows only final Net Tax Payable / Refund figure | Detailed Schedule 1 slab-by-slab tax table, Rebate u/s 87A, Cess & Interest (234A/B/C/F) |
| Schedule OS & Bank Accounts | Omitted | Lists Savings Interest (SAV), FD Interest (IFD), IFSC codes, Account Numbers & Refund Bank |
Supported CBDT ITR JSON Schemas (ITR-1, ITR-2, ITR-3 & ITR-4 Sugam)
The Central Board of Direct Taxes (CBDT) publishes distinct JSON schemas for each category of taxpayer. HelYou24's parser automatically detects the form type and Assessment Year inside your JSON file and builds the appropriate schedules on Page 1 and Page 2:
- ITR-1 (Sahaj) JSON: Designed for resident individuals having Total Income up to ₹50 Lakh from Salaries/Pension (including Exempt Allowances u/s 10 and Standard Deduction u/s 16(ia)), One House Property, and Other Sources (Savings/FD interest, family pension).
- ITR-4 (Sugam) JSON: Designed for resident individuals, HUFs, and partnership firms (other than LLPs) opting for presumptive taxation under Section 44AD (retail traders, wholesalers, manufacturers, civil contractors, kirana & medical stores), Section 44ADA (doctors, engineers, IT freelancers, lawyers, consultants), or Section 44AE (goods carriages).
- ITR-2 & ITR-3 JSON: Supports salaried investors and regular business/professional taxpayers whose filed JSON contains
PartA_GEN1,ScheduleS,ScheduleHP,ScheduleBP,PartB-TI(including Capital Gains aggregates), andPartB_TTItax computation blocks.
New Tax Regime u/s 115BAC(1A) Slab Rates (AY 2024-25, AY 2025-26 & AY 2026-27)
When generating Schedule 1 (Slab-Wise Tax Working) on Page 2 of your PDF, HelYou24 automatically reads the Assessment Year and Tax Regime flag (New Regime vs. Old Regime Form 10-IEA opt-out) stored in your JSON and applies the exact statutory Finance Act slabs:
| Statutory Provision | AY 2024-25 (FY 2023-24) | AY 2025-26 (FY 2024-25) | AY 2026-27 (FY 2025-26) |
|---|---|---|---|
| Applicable Statute | Finance Act, 2023 | Finance (No. 2) Act, 2024 | Finance Act, 2025 |
| Nil (0%) Tax Slab | Up to ₹ 3,00,000 | Up to ₹ 3,00,000 | Up to ₹ 4,00,000 |
| 5% Tax Slab | ₹ 3,00,001 – ₹ 6,00,000 | ₹ 3,00,001 – ₹ 7,00,000 | ₹ 4,00,001 – ₹ 8,00,000 |
| 10% Tax Slab | ₹ 6,00,001 – ₹ 9,00,000 | ₹ 7,00,001 – ₹ 10,00,000 | ₹ 8,00,001 – ₹ 12,00,000 |
| 15% Tax Slab | ₹ 9,00,001 – ₹ 12,00,000 | ₹ 10,00,001 – ₹ 12,00,000 | ₹ 12,00,001 – ₹ 16,00,000 |
| 20% / 25% / 30% Slabs | 20%: ₹12L–₹15L | 30%: >₹15L | 20%: ₹12L–₹15L | 30%: >₹15L | 20%: ₹16L–₹20L | 25%: ₹20L–₹24L | 30%: >₹24L |
| Sec 87A Zero-Tax Limit | Up to ₹ 7,00,000 (Max ₹ 25,000) | Up to ₹ 7,00,000 (Max ₹ 20,000) | Up to ₹ 12,00,000 (Max ₹ 60,000) |
| Salary Standard Deduction | ₹ 50,000 u/s 16(ia) | ₹ 75,000 u/s 16(ia) | ₹ 75,000 u/s 16(ia) |
Why Banks, NBFCs & Visa Embassies Ask for a Computation of Income PDF
Whether you are applying for an SBI/HDFC Home Loan, MSME Mudra/Cash Credit limit, vehicle loan, high-limit credit card, or Schengen/US/UK tourist or student visa, financial institutions assess repayment capacity (FOIR) and income stability using your Computation of Total Income:
- Verifying Gross Business Turnover: For self-employed traders and shopkeepers filing ITR-4, banks sanction Cash Credit (CC) and Overdraft (OD) limits as a percentage (typically 20% to 25%) of your Gross Turnover reported in Schedule BP—information visible only in your Computation Sheet and JSON, never on ITR-V.
- Cross-Matching Bank Credits: Credit managers verify that the primary current or savings bank account (Bank Name, IFSC, and Account Number) declared in your ITR matches the bank statement submitted for loan underwriting.
- Confirming Tax Compliance & TDS Refunds: Part B of the Computation Sheet proves whether self-assessment tax, advance tax, or late filing fees under Section 234F were duly settled, ensuring zero undisclosed tax arrears.
| Application Purpose | Years Needed | Key Items Verified Inside Computation of Income PDF |
|---|---|---|
| Home Loan / Mortgage & Balance Transfer | Last 2–3 AYs | Head-wise Gross Income, Sec 24(b) housing interest, FOIR capacity & net tax paid |
| MSME Business Loan, Cash Credit (CC) & Mudra | Last 2–3 AYs | Schedule BP turnover match with GST & 4-Year CMA Data MPBF |
| US, UK, Schengen, Canada & Australia Visa | Last 3 AYs | Consistent annual disposable income in India, TDS credits & financial sponsorship proof |
| NRI Tax (ITR-2) & ₹1 Cr+ Term Life Insurance | Last 2–3 AYs | Indian NRO/rental/capital gains income & Human Life Value (HLV) underwriting |
Frequently Asked Questions (FAQs)
How do I convert my Income Tax e-Filing JSON file into a Computation of Income PDF?
Log in to the official Income Tax e-Filing portal (incometax.gov.in), go to e-File -> Income Tax Returns -> View Filed Returns, and click 'Download JSON' for the required Assessment Year. Select that .json file in HelYou24's converter box above to immediately view and download your 2-page CA-style Computation of Total Income PDF.
Does HelYou24 modify or estimate any figures from my uploaded ITR JSON?
No. HelYou24 reads 100% exact figures directly from your uploaded ITR JSON file—including Personal Details, Gross Salary, Standard Deduction u/s 16, House Property, Section 44AD/44ADA Turnover & Presumptive Profit, Capital Gains, Schedule OS Interest, Chapter VI-A Deductions, Total Taxable Income, Section 87A Tax Rebate, TDS/TCS/Advance Tax, and Bank Account details.
Is it safe to upload my ITR JSON containing PAN, Aadhaar, and Bank Account details?
Yes, completely safe. HelYou24 uses 100% client-side JavaScript (FileReader API and jsPDF) inside your own web browser. Zero bytes of your ITR JSON, PAN, Aadhaar number, turnover, or bank account details are ever transmitted to any external server or database.
Which Income Tax Return (ITR) forms and Assessment Years are supported?
HelYou24 supports official CBDT e-Filing JSON files for ITR-1 (Sahaj), ITR-2, ITR-3, and ITR-4 (Sugam — Presumptive Business & Profession u/s 44AD, 44ADA & 44AE) across AY 2026-27, AY 2025-26, AY 2024-25, and prior assessment years.
Why doesn't the Income Tax portal give a Computation of Income PDF directly?
After filing your return on incometax.gov.in, the portal provides a 1-page ITR-V Acknowledgement (summary receipt) and a complete Return Form/JSON export, but it does not generate a condensed CA-style Computation of Total Income sheet showing head-wise working, slab-wise tax calculation, and Schedule BP turnover ratios requested by banks.
Can I hide or show Schedule BP Financial Particulars (Creditors, Stock, Cash & Bank)?
Yes. By default, HelYou24 keeps Schedule BP Financial Particulars hidden for a crisp 2-page layout. If your bank loan officer or auditor asks for reported closing stock, sundry creditors, debtors, and cash/bank balances, simply tick 'Include Financial Particulars (Schedule BP)' above the preview before clicking View PDF or Download Computation PDF.
What is the maximum zero-tax income limit under Section 87A for AY 2026-27?
Under the Finance Act, 2025 applicable for Assessment Year 2026-27 (FY 2025-26), resident individuals opting for the default New Tax Regime u/s 115BAC(1A) receive a full Section 87A tax rebate up to Rs. 60,000, making normal slab income up to Rs. 12,00,000 completely tax-free (Rs. 12,75,000 for salaried employees including Rs. 75,000 standard deduction).
Is this Computation of Income PDF valid for SBI, HDFC, ICICI Home Loans, Mudra Loans, and Visa applications?
Yes. Banks, housing finance companies, NBFCs, and foreign embassies ask for a Computation of Income alongside your official ITR-V Acknowledgement so credit underwriters can verify your head-wise income, gross business turnover, digital vs. cash receipts, tax regime, and primary bank account.