Get ITR filing for Housewife online

If a housewife’s total income is within ₹5 lakhs in a financial year, she can claim a rebate of up to ₹12,500 under Section 87A, making her tax liability zero under old tax regime.

• For non-senior citizens, interest up to ₹10,000 from savings accounts is exempt under Section 80TTA.

• For senior citizen housewives, interest from FDs and savings up to ₹50,000 is deductible under Section 80TTB.

• Beyond these limits, interest is fully taxable as per slab rates.

• Invest in tax-saving instruments in her name using gifted money from husband (income earned is still clubbed with husband’s income).

• Open a PPF account or invest in ELSS, tax-saving FDs, etc.

• Use her basic exemption limit (₹2.5 lakhs) for interest and rent income in her name.

• Invest in joint property or FDs, where proportionate income may not be clubbed.

• Use her account for capital gains if assets are gifted with proper documentation.

• Visit https://www.incometax.gov.in

• Click on ‘Register’

• Select ‘Individual’ and enter her PAN, basic details, and contact info

• Set a password and complete OTP verification

• Her account will be created for e-filing

You can gift money to your wife, but income earned from that gift (like FD interest or rental income) is clubbed with your income under Section 64. However, you can invest it smartly in her name to utilize her basic exemption limit.

There’s no fixed limit for deposits, but large cash deposits (usually over ₹10 lakhs per year in savings accounts or ₹50 lakhs in current accounts) may be reported to the Income Tax Department. Source of funds should be explainable.

Yes, you can gift any amount to your wife without tax implications for her. But any income earned on that amount will be clubbed with your income for tax purposes.

Yes, you can claim HRA exemption for rent paid to your wife only if she is the legal owner of the property and you have a valid rent agreement and rent is actually paid through bank or other traceable means.

There’s no legal limit on gifting cash to your wife, but large cash gifts may raise red flags. Always keep proper documentation (like a gift deed), and for amounts over ₹2 lakhs, prefer bank transfers to avoid violation of Section 269ST.

You cannot pay her a “salary” unless she is doing actual work in your business or profession. In that case, her income will be taxed in her hands, and expenses can be claimed as business expenditure, if genuine.

No, unless the property is legally owned or co-owned by your wife. Rental income is taxable in the hands of the legal owner, even if the rent is received in her account.

Yes, you can. It will be treated as a gift and will not be taxed in her hands. But any income earned from this amount (e.g., interest, rent, capital gains) will be clubbed with your income for tax purposes.

If a housewife earns rental income from one or two properties and her total income (including rent, interest, etc.) is below ₹50 lakh, she should file ITR-1 (Sahaj) — only if the rental income is from one house property and there are no capital gains or business income. For rent from 2  or more properties, ITR-2 should be used.