{"id":12323,"date":"2026-02-27T11:17:11","date_gmt":"2026-02-27T11:17:11","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=12323"},"modified":"2026-02-27T11:17:11","modified_gmt":"2026-02-27T11:17:11","slug":"5-tax-filing-requirements-for-bond-investors","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/","title":{"rendered":"5 Tax Filing Requirements for Bond Investors"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When you invest in bonds, you can earn income from two main sources. The first is interest income, which you receive periodically from the bond issuer. The second is capital gains, which may arise if you sell the bond in the secondary market before its maturity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under the Income Tax Act, 1961, both these <\/span><a href=\"https:\/\/goldenpi.com\/blog\/investment-guide\/capital-gains-vs-interest-income-whats-more-tax-friendly\/\"><span style=\"font-weight: 400;\">types of income are taxable<\/span><\/a><span style=\"font-weight: 400;\"> and create different filing requirements. To remain compliant with tax rules and avoid penalties or notices, it is important to understand these obligations.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article explains five major tax filing requirements related to bond investments that you should be aware of for FY 2025\u201326 (AY 2026\u201327).<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#Want_to_Remain_Tax_Compliant_5_Tax_Filing_Requirements_You_Must_Complete_for_FY_25-26\" >Want to Remain Tax Compliant? 5 Tax Filing Requirements You Must Complete for FY 25-26<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#1_Reporting_Interest_Earned_from_Bonds\" >1. Reporting Interest Earned from Bonds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#2_Reporting_Capital_Gains_if_Bonds_are_Sold_Before_Maturity\" >2. Reporting Capital Gains if Bonds are Sold Before Maturity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#3_Proper_TDS_Reporting_Raising_Claims\" >3. Proper TDS Reporting + Raising Claims<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#4_Choose_the_Correct_ITR_Form\" >4. Choose the Correct ITR Form<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#5_Disclosure_of_Foreign_Bond_Investments_in_ITR\" >5. Disclosure of Foreign Bond Investments in ITR<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#In_Summary_Bond_Investors_Must_Correctly_Report_Income_Verify_TDS_and_Select_the_Right_ITR_Form_in_2026\" >In Summary, Bond Investors Must Correctly Report Income, Verify TDS, and Select the Right ITR Form in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#1_Is_interest_income_from_bonds_taxable_at_a_special_rate\" >1. Is interest income from bonds taxable at a special rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#2_What_is_the_due_date_for_filing_an_income_tax_return_ITR\" >2. What is the due date for filing an income tax return (ITR)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#3_Which_ITR_form_should_bond_investors_select\" >3. Which ITR form should bond investors select?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-tax-filing-requirements-for-bond-investors\/#4_What_to_do_if_there_is_a_mismatch_between_the_TDS_deducted_and_Form_26AS\" >4. What to do if there is a mismatch between the TDS deducted and Form 26AS?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Want_to_Remain_Tax_Compliant_5_Tax_Filing_Requirements_You_Must_Complete_for_FY_25-26\"><\/span><span style=\"font-weight: 400;\">Want to Remain Tax Compliant? 5 Tax Filing Requirements You Must Complete for FY 25-26<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As an investor, the first step toward tax compliance is assessing which tax regime works better for you. Under the Income Tax Act, 1961, taxpayers can choose between the old tax regime and the new tax regime.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To make the right selection, you may:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Calculate your total tax liability under both regimes\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Select the one that results in lower tax outgo<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once the suitable regime is selected, you may complete the following five tax filing requirements for FY 2025\u201326:<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Reporting_Interest_Earned_from_Bonds\"><\/span><span style=\"font-weight: 400;\">1. Reporting Interest Earned from Bonds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Under the Income Tax Act, 1961, income must be reported under five different heads:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income from Salary<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income from House Property<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Profits and Gains from Business or Profession (PGBP)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Capital Gains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income from Other Sources<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Now, the coupon interest you receive from bonds must be reported under the head \u201cIncome from Other Sources.\u201d For tax purposes, this interest income is treated similarly to <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/how-much-tax-is-deducted-on-fd-interest\/\"><span style=\"font-weight: 400;\">interest earned from bank fixed deposits<\/span><\/a><span style=\"font-weight: 400;\">. 100% of the interest amount is:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Added to your total taxable income\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxed according to your applicable income tax slab rate<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, the income must be reported when it becomes due or on an \u201caccrual basis\u201d. For example:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suppose you purchased a bond that pays \u20b910,000 as annual interest every March.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assume that the interest for FY 2025\u201326 becomes due on March 31, 2026.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, it must be reported as income for FY 2025\u201326 even if the payment is credited to your account in April 2026.\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2_Reporting_Capital_Gains_if_Bonds_are_Sold_Before_Maturity\"><\/span><span style=\"font-weight: 400;\">2. Reporting Capital Gains if Bonds are Sold Before Maturity<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you sell a bond in the secondary market before its maturity date, the difference between the selling price and your purchase price is treated as capital gain or capital loss. This amount must be reported separately under the head \u201cCapital Gains\u201d.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The tax treatment depends on:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Was the bond listed or unlisted?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How long did you hold it before selling?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Firstly, let\u2019s check out the latest <\/span><a href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/corporate-bonds\/how-are-corporate-bonds-taxed\/\"><span style=\"font-weight: 400;\">bond taxation rules<\/span><\/a><span style=\"font-weight: 400;\"> related to \u201clisted bonds\u201d (after considering the amendments introduced in the Union Budget 2025):<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>Holding Period<\/strong><\/th>\n<th><strong>Type of Capital Gain<\/strong><\/th>\n<th><strong>Tax Treatment<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Less than 12 months<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Short-Term Capital Gain (STCG)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Taxed at the investor\u2019s applicable income tax slab rate<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">12 months or more<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Long-Term Capital Gain (LTCG)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Taxed at 12.5% without indexation<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Whereas, if we talk about the tax treatment for \u201cunlisted bonds\u201d, as per Section 50AA, any unlisted bond that is transferred, matured, or redeemed on or after July 23, 2024, will always be treated as STCG (regardless of how long the bond was held). Thus, the profit will be taxed at the taxpayer\u2019s applicable income tax slab rate.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Proper_TDS_Reporting_Raising_Claims\"><\/span><span style=\"font-weight: 400;\">3. Proper TDS Reporting + Raising Claims<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Under Section 193, the issuer may deduct TDS at 10% on the interest income before paying it to the investor. When filing your ITR, you must verify that this deducted tax is correctly reflected in Form 26AS and the Annual Information Statement (AIS) available on the Income Tax Department portal.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s check out some actions you may take:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>Filing Requirements<\/strong><\/th>\n<th><strong>What You Should Do<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Check Tax Records<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify that the TDS deducted on your interest income from bonds appears in both Form 26AS and AIS.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Note that any mismatch between the TDS records and your reported income may increase the risk of scrutiny or tax notices.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Match the Income<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are filing your return online on the Income Tax Department portal, the system usually \u201cprefills\u201d certain income details automatically.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Review these prefilled figures and make sure they correctly reflect the actual interest income earned from bonds (on an accrual basis) during the financial year.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Claim the Credit<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim the deducted TDS while filing your ITR.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Failure to do so may lead to an unnecessarily <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/bond-washing-for-tax-avoidance\/\"><span style=\"font-weight: 400;\">higher income tax liability<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"4_Choose_the_Correct_ITR_Form\"><\/span><span style=\"font-weight: 400;\">4. Choose the Correct ITR Form<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">While filing your income tax return, you must select the correct ITR form (available from ITR-1 to ITR-7) and submit it before the prescribed due date. It is highly important because filing under the wrong form may lead to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Processing delays<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defective return notices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The need to revise the return later.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">So, which ITR form may be used by the bond investors? <\/span><\/i><span style=\"font-weight: 400;\">You may consider the following:\u00a0<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>When You Can Use ITR-1<\/strong><\/th>\n<th><strong>When You Should Use ITR-2<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can file ITR-1 (Sahaj) if you only have interest income and there are no capital gains from selling bonds, subject to other conditions.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you sold bonds before maturity and earned capital gains, you cannot use ITR-1.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In such cases, you must file ITR-2, subject to conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This ITR form allows taxpayers to report both STCG and LTCG.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">However, realise that both ITR 1 and ITR 2 cannot be used if you have income from a business or profession that is taxable under \u201cProfits and Gains of Business or Profession (PGBP)\u201d. In such cases, ITR-3 or ITR-4 may apply, subject to conditions:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><strong>Situation<\/strong><\/td>\n<td><strong>ITR Form<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Business or professional income under \u201cnormal taxation.\u201d<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ITR-3<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Business income under the \u201cpresumptive taxation\u201d scheme (subject to eligibility limits).<\/span><\/td>\n<td><span style=\"font-weight: 400;\">ITR-4<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"5_Disclosure_of_Foreign_Bond_Investments_in_ITR\"><\/span><span style=\"font-weight: 400;\">5. Disclosure of Foreign Bond Investments in ITR<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If any Resident and Ordinarily Resident (ROR) investor holds foreign bond investments (such as US Treasury bonds or foreign corporate bonds), these holdings must be disclosed in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule FA (Foreign Assets)\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Schedule FSI (Foreign Source Income).\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let\u2019s check out the various filing requirements in this segment:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>Schedule in ITR<\/strong><\/th>\n<th><strong>What It Is Used For<\/strong><\/th>\n<th><strong>What You Must Report<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Schedule FA<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is a section in ITR-2 and ITR-3 where ROR taxpayers disclose foreign assets.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Details of foreign assets such as bank accounts, stocks, bonds, and immovable property held outside India during the calendar year (Jan 1 to Dec 31).<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Schedule FSI<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is used to report income earned outside India<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Income such as foreign interest, dividends, or capital gains from overseas investments.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Additionally, if taxes have already been paid in another country on the same income, such taxpayers may claim relief under the Double Taxation Avoidance Agreement (DTAA). This relief is claimed in Schedule TR (Tax Relief) in the ITR.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"In_Summary_Bond_Investors_Must_Correctly_Report_Income_Verify_TDS_and_Select_the_Right_ITR_Form_in_2026\"><\/span><span style=\"font-weight: 400;\">In Summary, Bond Investors Must Correctly Report Income, Verify TDS, and Select the Right ITR Form in 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now you are aware of the several tax filing requirements that apply when you invest in bonds. By meeting these obligations, you remain compliant and reduce the risk of attracting notices or scrutiny from the Income Tax Department.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If we revise, the five tax filing requirements you must satisfy for FY 2025\u201326 (AY 2026\u201327) are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Report bond coupon interest under \u201cIncome from Other Sources.\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disclose capital gains from selling bonds before maturity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Verify TDS records and claim the correct credit in ITR.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose the correct ITR form based on your income sources.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disclose foreign bond holdings in Schedule FA and FSI, if applicable.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">Are you searching for corporate bonds online? <\/span><\/i><span style=\"font-weight: 400;\">You may start investing through GoldenPi, a SEBI-registered debt broker and OBPP (Online Bond Provider Platform) license holder. Here, you can explore multiple bond options, including <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">AAA or AA-rated bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/state-government-guranteed-bonds\"><span style=\"font-weight: 400;\">state government-guaranteed bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/bonds-for-short-term-investment\"><span style=\"font-weight: 400;\">short-term bonds<\/span><\/a><span style=\"font-weight: 400;\">, and more.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><span style=\"font-weight: 400;\">FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_interest_income_from_bonds_taxable_at_a_special_rate\"><\/span><span style=\"font-weight: 400;\">1. Is interest income from bonds taxable at a special rate?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No, interest earned from bonds is taxed according to your applicable income tax slab rate. Special rates only apply to long-term capital gains, which are taxed at 12.5%.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_the_due_date_for_filing_an_income_tax_return_ITR\"><\/span><span style=\"font-weight: 400;\">2. What is the due date for filing an income tax return (ITR)?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As per the latest amendments introduced in the Union Budget 2026, the due date for filing ITR for individuals (without audit requirements) is 31st August of the assessment year. This rule is applicable for FY 26-27 (AY 27-28). However, for the current FY 2025\u201326 (AY 2026\u201327), the due date is 31st July.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Which_ITR_form_should_bond_investors_select\"><\/span><span style=\"font-weight: 400;\">3. Which ITR form should bond investors select?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The correct form depends on the type of income you have. As a bond investor, if you only have interest income, you may use ITR-1, provided other eligibility conditions are satisfied. However, if you also have capital gains from selling bonds, you must file ITR-2. In contrast, if you have income taxable u\/h PGBP, you may choose from ITR 3 or 4.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_to_do_if_there_is_a_mismatch_between_the_TDS_deducted_and_Form_26AS\"><\/span><span style=\"font-weight: 400;\">4. What to do if there is a mismatch between the TDS deducted and Form 26AS?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the TDS deducted on bond interest does not appear correctly in Form 26AS, you may contact the bond issuer or deductor and request them to correct their TDS return. Post-correction, the updated credit may start to reflect in your records.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">________________________________________________________<\/span><\/p>\n<p><strong>Disclaimer:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is interest income from bonds taxable at a special rate?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, interest earned from bonds is taxed according to the investor\u2019s applicable income tax slab rate. Special tax rates apply only to long-term capital gains, which are currently taxed at 12.5%.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the due date for filing an income tax return (ITR)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"As per the latest amendments introduced in the Union Budget 2026, the due date for filing an ITR for individuals without audit requirements is 31st August of the assessment year, applicable from FY 2026\u201327 (AY 2027\u201328). For FY 2025\u201326 (AY 2026\u201327), the due date remains 31st July.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Which ITR form should bond investors select?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The appropriate ITR form depends on the type of income earned. If a bond investor has only interest income and meets eligibility conditions, ITR-1 may be used. 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