IndiaFirst Life Elite Term Plan
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Guardian of Life Dreams Term Plan
Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium optionKnow More
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Elite Term Plan
Lifetime protection till age 99 years
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
Super Protection Plan
Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plus Plan
Instant Issuance
Flat rate cover
No medicals
Tax benefits as per prevailing tax laws
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Value Shield Plus
Flexible Premium Payments Options
Life cover for Whole of Life
Special discounts for Salaried customer and Female Lives
Enhanced coverage with optional comprehensive riders
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Term Rider Plan
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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IndiaFirst Life Radiance Smart Invest Plan
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Guardian of Life Dreams Term Plan
Offers Life cover for Whole Life or for Limited Term for age 85 years
A special 16% Level Premium Discount for women
Health Management Services worth Up to ₹75,000 p.a.
Choice of Pure Protection or Return of Premium option
Download Brochure
Elite Term Plan
Benefits at Maturity & Life cover
High cover at affordable cost
Convenient premium payment options
Sum Assured as lumpsum or monthly instalments
Download Brochure
Super Protection Plan
Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
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Life Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Protect Shield Plus Plan
Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
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Saral Jeevan Bima Plan
Life Insurance Cover of up to ₹50 lakhs.
Flexible premium payment options
Up to 40 years of protection for loved ones.
Protection against COVID-19 with lump sum benefit.
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Value Shield Plus
Flexible Premium Payments Options
Life cover for Whole of Life
Special discounts for Salaried customer and Female Lives
Enhanced coverage with optional comprehensive riders
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Radiance Smart Invest Plan
Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% Premium invested to Maximize Fund Value
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Money Balance Plan
Optimised Investment Strategy
Flexible-Premium Payment
Partial Withdrawal Flexibility
Convenient Fund Accessibility
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TULIP Plus Plan
Up to 100x life insurance cover
Up to 750%* return of Premium Allocation charges
Riders designed to cover additional risks
Reduced premium allocation charge for higher premiums
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TULIP Pro Plan
Up to 20X Life Cover for Your Loved Ones
Additional Coverage through TERM Rider
Multiple Investment Strategies and up to 10 Diversified Funds
Up to 600% of Premium Allocation Charges returned at Maturity
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Wealth Maximizer Plan
Market Linked Returns
Free switches for maximum gain
Long-term loyalty benefits
Add top-up premiums
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Long Guaranteed Income Plan
Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Continuous Life Cover without any interruption
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Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Growth of Life Dreams Plus Plan
Start income as early as the 1st policy month or defer it up to 10 years
(GPB) Policy benefits continue for your nominee even in your absence
Choose long-term income or whole-life income
Flexibility to choose Life cover option up to 11x
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Mahajeevan Plus Plan
Life cover of up to 15 or 20 years
Periodic Cash backs
Uninterrupted Life Cover
Money Back Discounts with Early Premium Payments
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Smart Retirement Plan
Market-linked returns, with 3 new funds!
2 plan options to secure your retirement
ZERO allocation or administration charges.
Guaranteed Additions* of up to 5% in Year 1
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Guaranteed Pension Plan
Income for Life
5 Annuity Choices
Joint Life Security
Escalating Annuity option
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Guaranteed Annuity Plan
Retirement Planning
12 Annuity Options
Exclusive benefits for NPS subscribers
Continuity with Joint Life Option
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Guaranteed Retirement Plan
Assured Returns
Beat Inflation
Choose How to Save
Save Longer for up to 40 years
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Unit-Linked Pension Plan (ULPP)
Zero Charges Plan
You Pay 100. We Invest 105
Market-Linked Growth
Flexible Premium Options
Guarantee Of Life Dreams Plan
Choice of 3 income Options
UpTo 5% Extra Income on Online Purchase
Enhanced Income Benefit for Women
Option to Choose the date to receive a regular income.
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Life Long Guaranteed Income Plan
Short-Term Payments, Long-Term Gains
Guaranteed Income to fulfill Financial Goals
Lifetime Income Till 99 years of age
Premium Payback Assurance
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Assured Income For Milestones Plan
Guaranteed long-term income plan
Ideal for milestone-based financial planning
Three customizable benefit options
Immediate or deferred income variants
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Guaranteed Single Premium Plan
One-time payment (Single Pay)
Tax saving benefits*
Life Cover that is 1.25 times higher
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Term Rider Plan (non-linked)
Additional Life Cover for up to 5-30 years
Guaranteed Lumpsum Death Benefit
Enjoy Tax Benefits on Premiums You Invest.
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Term Rider (linked)
Additional Life Cover for up to 5-67 years
Lump sum death benefit equal to the sum assured
Enjoy Tax Benefits on Premiums You Invest.
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Waiver of Premium Rider (non-linked)
3 Coverage Options
Guaranteed Financial Protection For Your Loved Ones
Policy Remains Effective in Your Absence (WOP)
10 Critical Illness Cover
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ADB Rider (non-linked)
Up to 2 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages
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ADB Rider (linked)
Up to 2 Cr. Additional cover over existing policy
Protect your loved ones at affordable price.
Tax Advantages
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TPD Rider (non-linked)
Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages
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TPD Rider (linked)
Up to 1 Cr. Additional cover
Protect your loved ones at affordable price.
Tax Advantages
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Group Living Benefits Plan
Comprehensive Group Health Insurance
Affordable Heatlh Coverage for Corporate
COVID-19 Protection for Group Life Insurance
Fixed Benefit Assurance
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Group Term Plan
Affordable Group Term Insurance
Voluntary or Automatic Enrollment
Enhanced Coverage with EDLI
Flexible Premium Payment
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New Corporate Benefit Plan
A separate plan for each scheme
Minimum guaranteed return of 0.5% p.a.
Yearly Bonus as per company’s performance
Earn easy returns
Employee Benefit Plan
Manage your future employee liabilities
Choose from 4 fund options
Tax free gratuity up to 20 lakh
Group Credit Protect Plan
Affordable Life Cover
5 benefit options
2 Cover options
Truncated Cover
Little Champ Plan
Financial Protection
Customisable Policy
Guaranteed Payouts
Flexible Coverage Options
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IndiaFirst Life Elite Term Plan
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Cost of Delay Calculator
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Human Life Value Calculator
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Plan your investments effectively to achieve your long-term wealth goals.
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Calculate returns on your monthly SIP investments in just a few clicks.
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Calculate your estimated returns on your lumpsum investment
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See how increasing your SIP each year boosts your wealth. Use our Step-Up SIP Calculator for smarter financial planning
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Check how much monthly income your investment can generate and how long your corpus can last.
Income Tax Calculator
Calculate your tax liability and plan your taxes efficiently.
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Find out your car loan EMI and choose the right repayment plan.
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Estimate your personal loan EMIs before applying for a loan.
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Understand how inflation will affect your expenses and future goals
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Calculate the gratuity amount you may receive based on your tenure and salary.
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Calculate your take-home salary after deductions and allowances.
BMI Calculator
Check your Body Mass Index and understand your health better.
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IndiaFirst Life Guaranteed Protection Plus Plan
Secure your family’s future.
Option to Get Your Money Back (ROP)
Insure your spouse under the same policy.
Flexible Premium Paying Terms
Pay for 5 years get coverage for 99 years.
Key Takeaways
Income tax is the amount you pay to the government on the income you earn in a financial year. You can carry out this responsibility by filing your Income Tax Return (ITR) on time. So, what is an Income Tax Return? It is a way to declare your earnings, deductions, and taxes paid. For FY 2024-25 (AY 2025-26), the government has extended the income tax return filing last date to give taxpayers more time to comply. Knowing the exact ITR filing last date helps avoid penalties and interest charges while ensuring smooth compliance.
Knowing the ITR filing last date is essential to avoid penalties, interest charges, and compliance issues. The due date varies depending on the type of taxpayer and whether audit requirements apply.
Taxpayer Category | Due Date |
Individuals, HUFs, AOPs, BOIs (No Audit Required) | 15 September 2026 |
Businesses Requiring Audit | 31 October 2026 |
Taxpayers Requiring Transfer Pricing Report | 30 November 2026 |
Belated Return | 31 March 2027 |
Revised Return | 31 March 2027 |
Updated Return (ITR-U) | Up to 4 years from the end of the relevant assessment year |
Understanding these deadlines helps taxpayers plan their compliance activities in advance and complete filing without last-minute stress.
The due date for filing an income tax return depends on the taxpayer category and whether books of accounts are subject to audit.
For most salaried individuals and taxpayers who do not require an audit, the ITR filing last date for FY 2025-26 (AY 2026-27) is 15 September 2026.
Businesses and professionals whose accounts are required to be audited under the Income Tax Act must file their returns by 31 October 2026.
Taxpayers required to furnish transfer pricing reports have an extended deadline of 30 November 2026.
Taxpayers who miss the original filing deadline may still file a belated return. Similarly, taxpayers who discover errors in an already filed return can submit a revised return. Both can generally be filed up to 31 March 2027, subject to prevailing tax regulations.
The updated return facility allows taxpayers to voluntarily disclose omitted income and correct past mistakes. Under the current framework, an Updated Return (ITR-U) can generally be filed up to four years from the end of the relevant assessment year.
Using an income tax calculator before filing can help taxpayers estimate liability accurately and avoid last-minute corrections.
The Union Budget 2026 introduced important changes to income tax return filing timelines. Up until now, the deadline for both updated and delayed returns was December 31 after the fiscal year ended. This essentially prevented those taxpayers who filed late—especially on or near December 31st—from submitting an amended tax return later.
The earlier restriction has been proposed to be lifted by Budget 2026:
Losses declared in updated returns can now be carried forward, subject to conditions (earlier, this option was restricted, which indirectly discouraged voluntary compliance).
The change of date acknowledges the fact that delays often arise due to late receipt of Form 16, Form 26AS updates, or mismatches in Annual Information Statements. With the provision of the extended ITR filling date, taxpayers can now get both time and incentive, to regularise filings correctly.
If you are wondering how to file ITR, here are the steps to follow:
Use your PAN and password to access your account.
Choose AY 2025-26 if you are carrying out income tax e-filing for FY 2024-25.
Select whether you belong to the Individual, HUF, or other applicable category.
There are seven types of ITR forms, with each being applicable for different taxpaying entities. While ITR-1 and ITR-2 are the usual choices for salaried professionals, firms and companies can choose from ITR-5 and ITR-6.
You can specify a valid reason for tax-filing. For instance, you can select that your taxable income is more than the exemption limit or meets the mandatory filing criteria.
Verify pre-filled data such as PAN, Aadhaar, salary, and bank details. Add income, deductions, and exemptions.
Review the return summary, pay any balance tax, and confirm submission.
You must complete your verification within 30 days of carrying out your income tax e-filing via Aadhaar OTP, EVC, net banking, or by posting the ITR-V to CPC, Bengaluru.
Tip: Use an income tax calculator before filing to estimate liability under the old and new income tax slab systems.
Filing your income tax return within the prescribed time frame is very important. If you miss the ITR filing last date, the Income Tax Department imposes certain penalties and restrictions that can directly affect your finances.
If your total income is above ₹5 lakh, you may have to pay a late filing fee of ₹5,000. If your income is below ₹5 lakh, the penalty is reduced to ₹1,000.
When you miss the income tax return last date, any unpaid tax attracts interest at the rate of 1% per month or part thereof until the tax is cleared. This means even a small delay can increase your tax outgo.
If you have a business loss, capital loss, or loss from house property, you cannot carry these forward to future years unless you file your return on time. This can increase your tax liability in the coming years.
Banks, financial institutions, and embassies often require proof of income through ITR acknowledgements. Missing the last day to file taxes may affect your chances of getting loans, credit cards, or even visas.
In short, filing your return before the ITR last date ensures peace of mind, avoids penalties, and keeps you financially compliant.
Yes, you can still file after the last income tax return filing date by submitting a belated return under Section 139(4). In line with Budget 2026 reforms, for FY 2026-27, taxpayers can file an Updated Return (ITR-U) within four years from the end of the relevant assessment year, i.e., till 31st March 2031.
Missing the income tax return filing last date can have several financial and compliance-related consequences. While taxpayers may still be able to file a belated return, delays often result in additional costs and restrictions.
Taxpayers who fail to file within the prescribed deadline may be required to pay a late filing fee. The amount depends on the taxpayer's income and applicable provisions under the Income Tax Act.
If any tax remains unpaid, interest may be charged under Section 234A at the prescribed rate until the tax liability is cleared.
Taxpayers who incur business losses, capital losses, or certain other losses may lose the ability to carry them forward to future assessment years if the return is not filed within the prescribed timeline.
Individuals expecting income tax refunds may experience delays because refund processing generally begins after the return is successfully filed and verified.
ITR acknowledgements are frequently required when applying for:
Timely filing helps maintain a strong financial record and demonstrates tax compliance.
If you file your return but later discover mistakes, such as missed deductions, wrong income details, or incorrect bank information, you can file a revised ITR.
Deadline for Revised ITR: 31st March 2027 for AY 2026-27.
Mr Saksham filed his return on 30th June 2026, but forgot to claim Section 80C deductions. He can revise his return any time before 31st March 2027.
Revising one’s ITR can ensure compliance and more accuracy. Filing a revised return is also part of responsible income taxation and helps avoid notices from the Income Tax Department.
Ideally, one must file an Income Tax Return (ITR) if their income exceeds the basic exemption limit set under the income tax slab.
Filing an income tax return is not merely a compliance exercise. It is also an opportunity to review your finances and optimise tax savings.
Before filing your return:
Taking these steps can help minimise errors and reduce the chances of receiving notices from the Income Tax Department.
To sum up, timely filing of your ITR ensures compliance with tax rules and offers peace of mind. For FY 2025-26 (AY 2026-27), the last date to file IT returns is 31st July 2026 for individuals not requiring an audit. Know that using an income tax calculator can simplify the process. Whether it is filing on time, revising errors, or using deductions, being aware of deadlines is key to managing taxes smoothly and responsibly.
For salaried individuals and other taxpayers who do not require an audit, the ITR filing last date for FY 2025-26 (AY 2026-27) is 15 September 2026, subject to any further extensions announced by the government.
Yes. If you miss the original deadline, you may still file a belated return within the prescribed timeline. However, late filing fees and interest may apply depending on your tax liability.
Failure to file an income tax return can result in penalties, interest on unpaid taxes, delays in refunds, and loss of certain tax benefits such as the carry-forward of eligible losses.
Yes. If you discover any errors, omissions, or incorrect information after submission, you can file a revised return within the prescribed time limit.
ITR-U allows taxpayers to voluntarily disclose omitted income or correct previously filed returns. Under current provisions, taxpayers can generally file an updated return within four years from the end of the relevant assessment year.
Yes. An income tax calculator helps estimate tax liability, compare tax regimes, determine potential refunds, and plan tax-saving investments before submitting the return.
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IRDAI Regd. No. 143 | CIN: U66010MH2008PLC183679Trade logo displayed above belongs to one of our promoters and shareholders, Bank of Baroda and are used by IndiaFirst Life Insurance Company Limited under License.
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