The Fastest Way to ITR Completion: E-Verification Using Your Bank/Demat EVC (2025)

Filing your Income Tax Return (ITR) isn't complete until it's **verified**. E-verification is the fastest and most convenient way to do this. Among the various methods, using your pre-validated **Bank Account** or **Demat Account** to generate an Electronic Verification Code (EVC) is a popular and secure option.

This complete guide for 2025 will walk you through the essential prerequisites and the step-by-step process for using your Demat or Bank Account for ITR verification.

The Crucial Pre-Verification Steps

Before you can use your Bank or Demat account for ITR e-verification, you must ensure it is **pre-validated and EVC-enabled** on the Income Tax e-Filing portal.

Note: You can only enable EVC for one Bank Account and one Demat Account at any given time.

Step-by-Step Guide to ITR E-Verification (Post-Login)

Once your account is successfully pre-validated and EVC-enabled, you can proceed with the verification of your filed ITR. The time limit for ITR verification is **30 days** from the date of return submission.

Step 1: Log In to the e-Filing Portal

1. Go to the official Income Tax e-Filing website.
2. Log in using your User ID (PAN), password, and the secure access message.

Step 2: Navigate to e-Verify

1. On your Dashboard, go to 'e-File' > 'Income Tax Returns' > 'e-Verify Return'.

Step 3: Select the Return

1. A list of filed but unverified returns will be displayed.
2. Click the 'e-Verify' button next to the relevant ITR you wish to verify.

Step 4: Choose the EVC Generation Method

On the e-Verify page, select the option:

• 'Generate Electronic Verification Code (EVC)' and then choose either:
• 'Through Bank Account'
• 'Through Demat Account'

Click 'Continue'.

Step 5: Receive and Enter the EVC

• A 10-digit alpha-numeric EVC will be generated and sent to your:
• Mobile number and
• Email ID
• ...that are registered with your pre-validated Bank/Demat Account.

Enter the received EVC in the designated textbox. Click 'e-Verify'.

Step 6: Confirmation

1. A success message will be displayed, along with a Transaction ID and the EVC.
2. A confirmation email will also be sent to your registered email ID.

Your ITR filing process is now complete!

Quick Tips and Why E-Verify Matters

• EVC Validity: The EVC is valid for a limited period (check the portal for the exact duration, usually a few minutes).
• Time Limit: If you miss the 30-day window for e-verification, your ITR is considered void, and you'll have to file a 'Condonation of Delay' request with a valid reason.
• Alternative: If you are unable to e-verify, the only other option is to physically sign and send the ITR-V (Acknowledgement) to the Centralized Processing Center (CPC), Bangalore, within 30 days of filing. E-verification is much faster and highly recommended.

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