How to Convert Your Income Tax e-Filing JSON File to a Computation PDF Online
Your ITR acknowledgement and computation serve different purposes. The acknowledgement records the return submission; a computation summarises income and tax figures. The documents available to download can vary by assessment year and filing workflow.
HelYou24 reads supported fields from the JSON you choose and formats a computation summary in your browser. Check the result against your filed return; field coverage can vary by form and assessment year.
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
A lender or other organisation may ask for a computation as well as your return acknowledgement. Check which documents and any certification they require.
| 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)
The tax schedule uses the assessment-year and regime information available in the return. Check the result and applicable rates against the official return and current guidance.
| 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 & Multi-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 turn my ITR JSON into a computation PDF?
Download your filed return JSON from the official income tax portal where available. Choose the file in the converter, check the figures, then view or download the PDF. Portal options can vary by year and filing workflow.
Does HelYou24 modify or estimate any figures from my uploaded ITR JSON?
The converter reads supported fields from the uploaded ITR JSON and formats them for review. Field coverage depends on the form, assessment year and JSON structure; check the generated statement against your filed return.
Is it safe to upload my ITR JSON containing PAN, Aadhaar, and Bank Account details?
The converter processes the selected JSON in your browser; the site does not upload the file for conversion. Use a trusted device and review the privacy policy; no online system can promise absolute security.
Which Income Tax Return (ITR) forms and Assessment Years are supported?
The converter supports ITR-1 to ITR-4 JSON structures. Coverage can vary by assessment year and return schema, so review the generated figures against your filed return.
What is the difference between ITR-V and a computation?
ITR-V is an acknowledgement of a return submission. A computation summarises income, deductions and tax. Download options vary on the official portal; check what your lender or other recipient needs.
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.
How does the Section 87A rebate work for AY 2026-27?
An eligible resident individual using the new regime may receive a rebate of up to Rs. 60,000 when taxable income is up to Rs. 12 lakh, subject to conditions. Special-rate income and marginal relief require separate consideration. Check the official guidance for your situation.
Is this Computation of Income PDF valid for SBI, HDFC, ICICI Home Loans, Mudra Loans, and Visa applications?
Some lenders or visa authorities may request a computation along with your return acknowledgement. Ask the recipient what documents and any certification it requires.