
Vinod Gharat is a seasoned Senior Financial & Insurance Advisor with over 20+ years of experience in providing reliable and result-oriented financial solutions. He specializes in Life Insurance (LIC of India), Mutual Funds, Health Insurance (Mediclaim), and Asset Allocation–based financial planning. With a strong focus on understanding individual needs, Vinod Gharat helps clients build financial security through the right mix of protection, growth, and long-term stability. His approach emphasizes disciplined planning and personalized strategies to support clients at every stage of life.

Taxpayers should still claim the TDS credit in their ITR even if it is missing from Form 26AS or AIS, say experts. The Income Tax Act protects deductees where tax has been deducted but not deposited by the deductor.
ET NOW 14/07/2026
Filing income tax returns early increases processing likelihood but does not guarantee faster refunds. Successful e-verification and matching tax records are crucial for timely refund processing. Pre-validating bank accounts and avoiding complex disclosures expedite the refund process.

