Kotak Life

Buy a Life Insurance Plan in a few clicks


Now you can buy life insurance plan online.

Kotak e-Term Plan

Kotak e-Term Plan provides a high level of protection to your loved ones in your absence. Know more

Kotak Guaranteed Savings Plan

Kotak Guaranteed Savings Plan is a savings and protection plan that helps you achieve long-term financial goals and provides an insurance cover against any eventuality. Know more

Kotak E-Invest

Kotak e-Invest plan is a complete Unit-Linked Insurance Plan that can be customized as per your goals and needs. Know more

Kotak Health Shield

Kotak Health Shield Plan helps secure your finances in sudden medical expenses such as Cardiac, Liver, Neuro, and Cancer (all early and significant illness stages/conditions of cancer), along with offering protection for personal accidents - in case of accidental death or disability. Know more

Kotak Lifetime Income Plan

Kotak Lifetime Income Plan gives you the security of your income continuing throughout your life and in your absence throughout your spouse's lifetime! Know more

How to File Income Tax Return without Form 16

How to File Income Tax Return without Form 16
  • 16th Jun 2022 |
  • 6,678

For a salaried individual, Form 16 is an important document, which is used for filing the income tax return. It is almost impossible for salaried individuals to file income tax return without Form 16. However, there can be some instances where you do not receive Form 16 from the employer due to the closure of business or if you changed the job without completing the exit formalities properly. In this case,you can use other documents as references to file your return.

Understanding Form 16

Form 16 is an important form for salaried employees like you. It carries information of the Tax Deducted at Source (TDS) on salary. The tax is deducted by the employer. The form will also provide a breakup of the salary into different components including income from salary, income charged as salary, which includes Dearness Allowance and House Rent Allowance, among others, and income tax deductions under Section Section80G, Section80D, 80CCD, 80CCC, and Section80C. It will also mention the details of the TDS. This form is issued once in a year to the salaried employee and it is an evidence that the TDS is deposited by the employer on behalf of the employee.

What are the components of Form 16?

  • Part A has details of TDS and name, address, Permanent Account Number (PAN) and TAN of the employer, and PAN of the employee.
  • Part B is an annexure to Part A and contains salary breakup, deductions under Chapter VI-A, and relief under Section 89.

When is Form 16 not issued by the employer?

  • No TDS was deducted, and hence, no Form 16 was issued: If the employer has not made any TDS cut for the financial year, he/she may or may not issue a Form 16.
  • TDS was deducted but Form 16 not issued: All employers deducting TDS have to provide Form 16. The certificate is proof that the TDS deducted has been paid to the government. However, if the employer deducts TDS but fails to provide Form 16, he/she will pay a penalty of Rs. 100 for every day the default continues. Meanwhile, check your Form 26AS to know the TDS cuts, and if it also does not have TDS details, it means the employer did not submit your tax to the government. In such a case, you would pay tax on your income and later claim it from your employer.

Documents required in the absence of Form 16

  • Salary slips
  • Proof for HRA, LTA, etc.
  • Form 26AS
  • Proof of investments for eligible deductions under Section 80C, 80D, etc.
  • How to file ITR without Form 16 – Step by Step Guide

    Save Tax Now

    Follow the below-mentioned guide to understand how to file ITR without Form 16.

    1. Calculate income from salary

    You need to use your salary slips to compute the income from salary. You can collect the slips from your employer who will also provide a breakup of the salary income. The details include gross salary along with value of perquisites, professional tax, allowances exempted under Section 10, and entertainment allowance. Apart from these, the salary slip will also include details of the TDS and amount deducted for provident fund. You can now compute the income from salary. Additionally, claim the standard deduction of INR 40,000 for the financial year 2018-19. This amount is increased to INR 50,000 from this financial year.

    2. Compare the TDS deducted with Form 26AS

    Form 26AS contains details regarding the TDS amount deducted from all income sources, which includes the income from salary. You need to crosscheck the TDS figures shown on 26AS and see if there are any discrepancies.

    3. Calculate income from house property

    If you have any rental income from a house property owned by you, it is important to report it under this head. If you have taken a home loan, and are paying interest on it, you will get a deduction of the same under the head.

    4. Calculate income from capital gain

    For sale of equity or mutual funds, you need to pay a capital gain tax if the returns are more than INR 1 lakh and if it is held for more than one year.

    5. Calculate income from other sources

    You need to calculate the income earned from other sources such as interest on bank deposits and interest on an income tax refund.

    6. Claim the deductions

    You can claim deductions under Section 80C, 80D, and 80G, among other sections. Every deduction will have a specified limit.

    7. Calculate the tax

    You now need to deduct the deductions from the total earnings to get the final taxable income. You can now estimate the income tax liability, pay tax, and file the ITR.

    Now you know how to file income tax return without Form 16. It is a simple process if you do the needful systematically.


    1. What is Form 16?

    Form 16 is a tax certificate mandatorily issued by the employer to its employees. This certificate is proof of the tax deducted at source (TDS) by the employer, from the income of a person, and submitted to the government.

    2. Received my Form 16 late; what if there are any discrepancies?

    If you got Form 16 late with some errors, you can ask your employer to rectify it and generate a new one and then file ITR.

    3. How can I get Form 16? Form 16 is issued by employers directly. However, you can also download it online from the Income Tax Department’s website.

    4. Can I file my return if I don’t have Form 16?
    You can file your ITR without Form 16.

    • Compute income from salary slips, and adjust allowances like HRA, LTA, etc.
    • Verify the TDS details on Form 26AS.
    • Calculate income from house property.
    • Compute income from capital gains. Capital gains up to Rs. 1 lakh is exempt from taxes.
    • Determine income from other sources like interest on fixed deposits, savings accounts, etc.
    • Claim all available deductions under Section 80C, 80D, etc.
    • Compute total taxable income and tax liability after adjusting the deductions.
    • Pay tax, if your liability is more than the tax paid according to Form 26AS.
    • File your annual ITR without Form 16.

    5. Is it mandatory for an employer who deducts TDS, to issue a certificate?

    6. If Form 16 has not been issued to me, does it imply that I don’t need to pay tax or file a return?
    If you do not have Form 16 and you are below the taxable limit, you do not need to pay tax or file a return. However, if you do not have Form 16 but have paid TDS, you must contact your employer and get Form 16.

    7. Which particulars should be filled & verified in Form 16?
    Form 16 is issued by the employer. Employees only need to check for any discrepancies. If any exist, the employee must contact the employer and get it rectified.

    8. Do I need to file an ITR if I have received Form 16 and Form 16A?

    9. Why is Medical Allowance not reflected in Form 16?
    Medical allowance is excluded in Form 16 because it is a deduction under Section 80D.

    10. Why do all the employees not get Part A of Form 16?
    Employees below the taxable limit are exempt from income tax, and so no Form 16 is issued.

    Read Here for More Related Articles:

Kotak e-Term Plan


  • Nominal Cost
  • Multiple Plan Options
  • Flexible Payout Options
  • Critical Illness Rider
  • Tax Savings
  • Long term Coverage

Ref. No. KLI/22-23/E-BB/492


Browse our library of resources

- A Consumer Education Initiative series by Kotak Life

Similar Articles

Does Your Term Insurance Plan Cover Death Due to COVID-19?

Can I Buy Term Insurance for a COVID-19 Patient?

How Much Cover Should I Take In A Term Plan?

Why Buy Term Insurance Even at Rising Rates?

9 Most Frequently Asked Questions on Term Insurance

Term Insurance: Most Common Term Insurance Myths Explained | Kotak Life

Can You Increase Your Term Insurance Cover?

All About Term Insurance Inbuilt Coverage

What Is the Correct Age to Buy Term Insurance?

How To Choose the Right Sum Assured Under a Term Plan?

5 Things To Consider While Buying Term Insurance Plan

Why Premium Amount for Term Insurance is So Low?

Advantages of Buying Term Insurance in Your 50s

Why is it important to buy term insurance plan?

Can Term Insurance Plans Be Purchased As A Gift?

Why Should You Not Take A Term Plan Without Medical Test in India?

Why Term Plan Should Be The First Step To Securing Your Future?

How To Calculate The Amount Of Term Life Insurance You Need?

Why Should New Parents Buy Term Life Insurance?

Why Buying a Term Plan Is Smarter Than Traditional Life Insurance Products

Choosing Riders for Insurance Plans

Top 3 Reasons Why You Should Buy A Term Plan Now

Endowment Plans vs Term Plans: Understanding the difference

How To Change The Nominee in Term Insurance?

Term Life Insurance Plan for Smokers vs Non-Smokers

What is a Joint Term Insurance Plan? Key Benefits of Joint Term Plan

How Not To Get Your Term Insurance Claim Rejected

Is a Term Insurance Policy Portable?

What is Insurance Premium - A Detailed Guide

What Happens to Term Insurance Plan With No Beneficiary - Kotak Life

Steps on How to Buy Term Insurance Online

Insurance Policy for Housewife In India

Planning For Son or Daughter's Wedding

8 Factors to consider before choosing a Critical Illness Insurance

Should Youngsters, Working Couples Buy Term Insurance Plans?

5 Term Insurance Benefits for Single Women

Does Term Insurance Cover Accidental Death?

Why does every working woman need life insurance?

Is Life Insurance Investment Worthy Enough

Reasons You Need Term Insurance Plan as a Self-Employed Person

Why Term Insurance Is Better Than ULIP?

Is it a Good Time to Buy Term Insurance During the COVID-19 Pandemic?

Term Insurance Basics You Should Know

9 Ways to Help Family Members in Financial Trouble

Ideal Features of a Suitable Term Plan - Act Now for a Stress-free Future

Eligibility Criteria for Buying Term Insurance in India

Make Your Online Term Plan Your Familys Monthly Payout

What Is a Renewable Term Insurance Policy?

Should You Have Multiple Term Life Insurance Policies?

How Much Term Insurance Do I Need

Ensure Protection Against Death, Disease & Disability With Life Insurance

How Much Term Life Insurance Cover Do I Need in India?

Term Insurance Calculator - Everythng You Need To Know

Importance of Term Insurance at Every Stage of Your Life

What All Documents Required For Term Insurance In India?

Insuring yourself against Ill Health with a Critical Illness Rider

What Should You opt for - Limited or Premium Pay?

All you need to Know about Term Insurance Plans for Housewives

Term Insurance With Riders In India

Is term Insurance Needed for People With No Dependents?

Calculating Term Insurance Premium

Different Types of Premium in Term Insurance

Different Types of Protection Plans

Can I Extend the Tenure of My Term Insurance Plan?

Can A Housewife Buy a Term Insurance Plan - All You Need to Know

Why Buy Term Insurance Plan With a High Cover?

Is Group Term Life Insurance Provided By Employer Sufficient?

Do You Need Term Insurance Cover After Retirement?

What Should Be The Duration Of Your Term Plan in India?

Protection for your family

Online vs Offline Term Insurance: Which Is The Better Option To Buy

Why Term Insurance Is Important in times of COVID-19?

Make Your Online Term Plan Your Family's Monthly Pay Cheque

What is the Right Term Period For Term Insurance Policy? Here's How You Should Choose!

टर्म इंश्योरेंस क्या है? टर्म इंश्योरेंस का मतलब

Term Insurance: Smokers vs Non-Smokers

8 Benefits of Term Insurance You Should Know

Why Should You Buy Term Insurance in 2022?

6 Types of Death not covered in Term Insurance Plan

Everything About Claim Settlement Ratio for Term Insurance

Can I Get Term Insurance on Behalf of My Spouse?

Gift Your Father A Term Insurance Plan This Father's Day

What Happens if you Hide Facts in your Term Insurance?

Term Plan with Spouse Cover

Term Vs. Whole Life Insurance: Which One You Should Buy in India?

How to Compare Term Insurance Online

Increasing Term Insurance and Riders

Term Plans are Definitely Cheaper than You Think!

Key IRDAI Regulations That Changed Face Of Term Insurance Industry In 2020

Best Investment Plans for Children - Secure Your Child's Future

What is a short term insurance policy?

Tax Benefits of Term Insurance in India

Can Senior Citizens Avail Term Insurance?

Term Insurance: What Happens When You Don’t Pay Your Premiums?

How Does A Term Life Insurance Work in India?

Why Should You Add a Rider to a Term Insurance Plan?

Term Insurance with Critical Illness

Buying A Term Insurance? Don't Ignore the Claims Settlement Ratio

What Are Insurance Riders and How to Choose Them in a Term Plan?

Know How to Invest at Every Age for Larger Returns

Individual Life Insurance vs. Group Term Life Insurance

Why Married People Should Buy Term Insurance Under MWP Act?

Can I Make Changes to My Term Insurance Policy Post Purchase?

Term Insurance Age Limit – Term Plan for All Age Groups

Term Insurance Plans and Policies for Smokers

Is ₹1 Crore Term Insurance Good Enough Cover?

4 Things To Expect From Your Term Insurance Plan in India

6 Reasons That Make Term Insurance a Must Buy

Do Beneficiaries Pay Taxes on Term Insurance?

What is Term Insurance - A Complete Guide

How To Choose the Right Term Insurance Plan?

Should You Buy a Term Plan After 40?

Is Term Life Insurance Plan an Investment or Expense?

Buying A Term Insurance Plan? Take These Factors into Account

What Are the Best Term Insurance Plans for Planning Retirement?

4 Methods to Calculate How Much Term Insurance You Need

What Is a Passive Income? Why Should You Use It to Buy a Term Plan?

What is Critical Illness Policy

Cost of Term Insurance Likely to Increase Soon

Difference between Term Insurance and Life Insurance

Insuring Against Accidents with an Accidental Death Insurance Rider

Why 1 Cr Term Plan Is Necessary For Family?

8 Things To Do After Buying Term Insurance

4 Reasons Why You Need Critical Illness Cover

How Does Term Life Insurance Work? Learn the Benefits

What are incremental term insurance plans?

Tips to Choose the Right Term Period for Term Insurance Plan

Insuring Protection Against Death With Death Insurance Rider

Term Insurance – Why You Must Include In Your Financial Planning?

Comparing Term Plans – What Should You Look Out For

Understanding Term Insurance Riders

What is Form 16, Form 16 part A, Form 16 part B, Information Required and FAQs

Why should single women purchase term life insurance?

Why Surrendering Your Term Plan Policy In The Final Phase Maybe A Bad Idea?

Busting Myths and Facts About Term Insurance Policies

Which Death Type Does Your Term Plan Not Cover?

How to Ensure That Your Term Insurance Claims Are Never Rejected?

5 Reasons to Buy Term Insurance When You are in Your 30s

Is It Good To Buy A Term Insurance Plan In 2022?

Is There Any Tax Benefit on Term Insurance?

While Buying Term Insurance Compare Features, Not Just Premiums

When is the Right Time to Buy Term Life Insurance Policy for Yourself?

How to Identify Term Insurance According to Your Needs?

Planning For Children's Future

How to Buy 1 Crore Life Insurance Policy Without Medical Test

Are The Add-ons and Optional Features of Term Insurance Plans Actually Beneficial?

What are the Documents Required for Term Insurance Plan?

Which Term Insurance to Choose: Lump Sum or Staggered Pay-out Plan?

Insuring Against Disability With Disability Insurance Rider

Advantages & Disadvantages of Term Insurance in India

How to Surrender Term Life Insurance When you have No Liabilities

10-Year Term Life Insurance Policy - Explained in Detail

5 Benefits of Early Retirement Planning

Key Differences Between Term Insurance, ULIPs, And Health Insurance

Can Non-Resident Indians (NRIs) Buy Term Insurance In India?

What Types of Deaths Are Covered in a Term Insurance Plan?

Do I Need to Give a Medical Test for Term Insurance in India?