Tax Vault: organise Indian tax receipts and 80C / 80D proofs
HisabAI Tax Vault is a private place to store Indian tax-filing documents — Form 16, rent receipts for HRA, LIC and PPF receipts for 80C, health insurance for 80D, donation receipts for 80G, home loan certificates for Section 24, and more. Documents are organised by financial year and deduction section so filing day is fast.
Last updated: 2026-06-20
What is Tax Vault?
Tax Vault is a focused part of HisabAI that holds the documents you actually need every March and April — proofs for tax deductions, salary statements, rent receipts, investment statements, donation receipts, and home loan certificates.
It is not a tax-filing service or a CA replacement. It is a clean record of what you have, organised by financial year and deduction section, so when you (or your CA) sit down to file, nothing is lost in WhatsApp or buried in email.
What you can store in Tax Vault
Tax Vault categorises every upload by the Indian tax section it supports:
- • Section 80C — ELSS receipts, PPF passbook, LIC premium receipts, NPS contributions, home loan principal certificate, tuition fee receipts (up to ₹1.5 lakh combined)
- • Section 80D — health insurance premium for self, family, and parents
- • Section 80G — donation receipts with the 80G eligibility statement
- • Section 24(b) — home loan interest certificate from the lender (up to ₹2 lakh)
- • HRA exemption — monthly rent receipts, rent agreement, landlord PAN if rent above ₹1 lakh per year
- • Salary documents — Form 16, salary slips, tax-deducted statements
- • Investment statements — mutual fund consolidated statements, broker statements, fixed deposit interest certificates
- • Section 80E — education loan interest certificate
- • Section 80TTA / 80TTB — savings account and post office interest statements
- • Section 80GG — rent receipts for those without an HRA component
- • LTA — travel bills for Leave Travel Allowance claims
- • Other — professional tax receipts, advance tax challans, TDS certificates from non-salary sources
How Tax Vault organises your documents
Every upload is auto-tagged with the financial year and the most likely tax section based on the document's content. HisabAI uses OCR tuned for common Indian receipt formats and tags accordingly.
If you log a rent payment in HisabAI for the month, you get a smart prompt to upload the rent receipt to the HRA folder. Same for an insurance premium payment, a donation, or a Form 16 arriving on the salary date.
You can browse by FY, by section, or by category — and search by amount, date, or document name.
How to file faster with Tax Vault
- Scan or upload receipts as you receive them — Form 16 in April, rent receipts monthly, donation receipts when you donate, premium notices when they arrive
- Confirm the auto-tagged section and financial year — HisabAI guesses, you can correct
- When filing season arrives, open the FY and download the filing pack — a single zip with everything sorted by section
- Share the pack with your CA over your preferred channel — HisabAI does not file for you, but it makes the handoff clean
Common Indian tax sections at a glance
A quick reference of which documents matter for which section. Limits are for the latest assessment year — verify with your CA for your specific case.
| Section | What it covers | Documents to store |
|---|---|---|
| 80C | Investments up to ₹1.5 lakh | ELSS, PPF, LIC, NSC, home loan principal, tuition fees |
| 80D | Health insurance premium | Insurance receipts, premium notice |
| 80G | Donations to eligible institutions | Donation receipts with 80G eligibility statement |
| 24(b) | Home loan interest (up to ₹2 lakh) | Loan interest certificate from lender |
| HRA | Rent paid (if salaried with HRA) | Rent receipts, rent agreement, landlord PAN if rent above ₹1 lakh / year |
| 80E | Education loan interest | Loan certificate from bank or NBFC |
| 80TTA | Savings account interest (₹10k) | Bank interest statement |
Privacy and data handling
Documents in Tax Vault are encrypted in transit and at rest. They stay in your private vault — HisabAI does not share them with third parties, and they are never used to train AI models. You can delete a single document or your entire vault any time. HisabAI is not a tax preparer, CA, or filing agent — it organises your records so you (or your CA) can file faster. See the Security page for the full data-handling picture.
Frequently asked questions
Is Tax Vault free?
Basic Tax Vault is included with the Free plan. Higher storage limits and unlimited filing-pack exports are part of the Plus and Pro plans.
What file formats can I upload?
PDFs, JPGs, PNGs, and HEIC. Most rent receipts, Form 16 PDFs, insurance e-receipts, and bank statements work directly. For paper receipts, scan with your phone camera and HisabAI will OCR them.
Can I share documents with my CA directly?
Yes. Download the FY filing pack as a single zip and share it with your CA over your preferred channel — email, WhatsApp, drive. HisabAI does not directly integrate with CA portals.
Does HisabAI file my taxes for me?
No. HisabAI organises your records so filing is faster. The actual filing happens through the Income Tax e-filing portal or your CA. HisabAI is not a registered tax preparer.
How long are documents retained?
For the active life of your account. After account deletion, retention follows the timelines in the Data Retention Policy. You can also delete individual documents at any time.
Can I use Tax Vault for old financial years?
Yes. Upload documents from any past FY and tag them accordingly. Useful for amended returns, scrutiny, or just maintaining a long-term archive.
Is the OCR accurate for Indian receipt formats?
OCR is tuned for common Indian formats — Form 16, rent receipts, LIC premium notices, mutual fund statements. Accuracy varies by document quality. You can always edit the auto-tagged FY and section.
What is the difference between FY and AY?
FY (Financial Year) is the year in which you earn — FY 2025-26 is April 2025 to March 2026. AY (Assessment Year) is the year you file the return for that FY — AY 2026-27 covers FY 2025-26 income. Tax Vault tags by FY since that matches how documents are dated.
Sort tax season once and for all
Drop in Form 16, rent receipts, LIC, ELSS, and 80C / 80D proofs as they happen. HisabAI organises them so filing day is fast.
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