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With the last date for filing income tax returns (ITR) fast approaching, most tax payers are probably in the midst of doing so. Some of these are mandatory, while some are advisable as there are benefits of filing.But, what if your income is below the taxable limit of Rs 2.5 lakh per annum? The biggest benefit is that it helps when you apply for a loan in future or when you apply for a visa, say tax experts.Gokhale cites the example of a client who is a retired senior citizen.She earned Rs 7 lakh interest-free income from tax-free bonds and her taxable income was only Rs 14,000.“It could be a foreign bank account, immovable property, partnership in a firm, etc.But, they may still continue to hold foreign assets.Another case could be if you are earning rental income of more than Rs 1.8 lakh a year. So, while you are entitled to refund, if you have no other source of income, you have to file a return to claim the refund, says Varun Advani, chief operating officer, makemyreturns.com, a registered e-return intermediary.“ITR is a way to legitimise your financial standing and maintain a healthy financial transaction,’’ says Advani.

There is a column in the ITR form where you can show your non-taxable income,’’ he adds.

The main exam also consists of two papers or sections both cover the relevant Engineering Discipline. After attempting 60 questions, candidate can verify your answer without checking the solution. About UPSC: Established on 1 October 1926 as Public Service Commission, the Union Public Service Commission (UPSC) is India's prestigious central recruiting agency that conducts appointments to and examinations for All India services and group A & group B of Central services.

Both paper I and II are of 300 marks and duration for each is 3 hours. If some of the answers are wrong, attempt the wrong answers without any time limit or any alarm. It was known as Federal Public Service Commission by the Government of India Act, 1935 and was then renamed as today's Union Public Service Commission after the independence.

The Union Public Service Commission (UPSC) conducts Engineering Services Examination as a combined competitive examination to hire the best minds for the posts of Electrical Engineering, Civil Engineering, Mechanical Engineering, and Electronics and Telecommunication Engineering.

The exam is primarily conducted for selecting the engineers who then work with governmental engineering organization such as Indian Railway Service of Engineers (IRSE), Central Engineering Service (CES), Military Engineering Services (MES), and others.

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