Jio Finance ITR filing has created a major buzz in the fintech industry by launching a self-service income tax return filing option at just ₹24. This move, positioned squarely for the 2025–26 assessment year, is already shaking up how India approaches tax season and digital personal finance.
What is Jio Finance’s ₹24 ITR Filing Service?
The Jio Finance app, in partnership with Tax Buddy, now allows users to file their income tax returns (ITR) online for a flat fee of ₹24 for self-service, or ₹999 for expert-assisted filing. The newly added module also features an AI-powered tax planner, aimed at simplifying tax planning and guiding users on potential savings and deductions.
Key Features of the Jio Finance ITR Filing Service
- Affordable ITR filing: File returns yourself for ₹24—making it one of the cheapest options in the market.
- AI-powered tax planning: The app intelligently guides you through deductions under popular sections like 80C, 80D, and regime comparisons.
- Expert assistance: For users seeking support, an expert-assisted plan is available at ₹999.
- Direct government integration: Secure APIs ensure your filing is sent directly to the Income Tax Department.
- Data-driven recommendations: The tax planner may nudge users toward relevant financial products based on declared income, investments, and tax regime.
Why is Jio Offering ITR Filing at ₹24? What’s Behind the Low Pricing?
The ₹24 ITR filing fee barely covers operational costs and is clearly part of Jio’s loss-leader strategy. By offering ITR filing at a rock-bottom price, Jio can attract millions of new app users and collect valuable first-party financial data—think income, investments, property, and spending habits. This data allows Jio Financial Services to cross-sell a range of products and services like mutual funds, insurance, and credit—all while drawing customers deeper into the Jio Finance ecosystem.
Benefits for Users
- Extremely affordable digital tax filing for individuals and salaried professionals.
- Quick, guided journey reduces dependency on expensive CAs or tax consultants.
- Integrated planning features can genuinely help maximize deductions and compare old vs new tax regimes.
Risks & Considerations: Data Privacy and Consent
Although Jio promises data security, some experts warn that user financial data can be repurposed for targeted product marketing. With the Digital Personal Data Protection (DPDP) Act 2023 still maturing in India, users should carefully review consent flows and privacy settings when using the app. Consent fatigue is real—don’t just click ‘Agree’ without understanding what you’re sharing.
Market Impact: Is This a Game Changer?
Jio’s bold entry could start a price war—smaller tax-tech rivals may find it hard to match such aggressive pricing, potentially consolidating more financial and tax data in a few hands. For consumers, this means lower costs and more convenience; for the industry, it signals intensifying competition and rapid evolution of digital tax filing services.
How to File ITR on Jio Finance App?
- Download or update the Jio Finance app from your app store.
- Register or log in using your mobile number and necessary KYC details.
- Select 'ITR Filing' and opt for self-service (₹24) or expert assistance (₹999).
- Enter required details: PAN, Form 16, income details, investments, deductions, bank account for refund, etc.
- Review the AI tax planning suggestions and submit your return directly to the IT department.
- Receive an acknowledgment and track return status through the app.
Frequently Asked Questions about Jio Finance ₹24 ITR Filing Service
What is Jio Finance’s ₹24 ITR filing service?
Jio Finance offers an affordable income tax return filing service at just ₹24 through its app, providing users the ability to file ITR online with AI-driven guidance. It also offers an expert-assisted filing option at ₹999.
How do I file my income tax return using Jio Finance app?
Download or update the Jio Finance app, register/login, select the ITR filing option, choose self-service or expert assistance, fill in your tax details, and submit your return online. Track your filing status directly in the app.
Why is Jio offering ITR filing for just ₹24?
The ₹24 pricing is a customer acquisition strategy allowing Jio to attract millions of users, gain valuable financial data, and expand its product offerings through cross-selling.
Is my data safe with Jio Finance ITR filing?
Jio claims secure data handling and direct integration with government systems, but users should carefully review privacy policies and app permissions, staying alert about data sharing practices amid evolving Indian data protection laws.
What are the alternatives to Jio Finance for ITR filing?
Alternative platforms include ClearTax, Quicko, Tax2Win, and MyITreturn, which offer free or affordable filing options. However, Jio’s ₹24 self-service filing is among the most competitively priced services.
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Conclusion
The Jio Finance ITR filing service at ₹24 is a true disruptor in India’s tax tech space, democratizing access to digital financial tools while signaling a shift in how financial data and customer trust will shape the fintech future. As with any service relying on deep data integration, users must balance cost savings with a careful eye on data privacy and transparency.