Many salaried employees forget to submit their 80C/80D/NPS proofs to HR in time — and now their Form 16 shows higher taxable salary. If you’ve forgotten to submit investment proofs, don’t worry — you can still claim ALL valid deductions while filing your ITR. Remember, if you forgot to submit investment proofs, it doesn’t mean you lose out on your deductions.
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1. No Proof to Employer ≠ No Deduction in ITR
Your employer may have deducted higher TDS, but the Income Tax Department allows self-declaration in ITR — with valid documents as backup.
2. Deductions You Can Still Claim in ITR Filing:
Section 80C: LIC, PPF, ELSS, tuition fees, principal repayment (₹1.5L)
Section 80D: Health insurance premium & medical expenses (₹25k–₹75k)
Section 80CCD(1B): NPS additional ₹50k
Section 24(b): Home loan interest (₹2L)
Education loan interest (80E)
Medical treatment for parents (80DDB)
3. What You Need:
Investment/payment receipts
Premium payment screenshots
Loan interest certificate from bank
Medical bills, rent receipts, etc.
4. Refund Alert!
Since more TDS was deducted due to unclaimed deductions, you’ll likely get a refund after filing ITR correctly.
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