Taxpayer Information Summary (TIS): Meaning, PDF Password Format and How to Download It?

The Taxpayer Information Summary (TIS) is your category-wise summary of all financial transactions reported against your PAN during a financial year. Think of it as a simplified dashboard that shows everything the Income Tax Department knows about your income—before you file your return.

In the TIS, all transactions from your Annual Information Statement (AIS) are grouped under clear categories like salary, interest, dividends, and capital gains. This summary is what the tax portal uses to auto-fill your Income Tax Return (ITR), making filing faster and more accurate.

If you're confused about what TIS actually is, how it differs from AIS, or how to download it, this guide will walk you through everything in simple, human language.

Key Takeaways

• TIS gives you a clean, category-wise view of all financial data linked to your PAN, pulled from AIS, to make ITR filing simpler

• It eliminates duplicate entries from multiple sources and reflects your feedback on data accuracy

• TIS auto-populates your ITR, so you don't have to manually enter every income figure

• To download TIS PDF: Log in to incometax.gov.in → Services → Annual Information Statement (AIS) → Proceed → AIS tab → Taxpayer Information Statement → Download PDF

• TIS PDF password: Your PAN in lowercase + Date of Birth in DDMMYYYY format (e.g., abcde1234f15031982)

What Is Taxpayer Information Summary (TIS)?

The Taxpayer Information Summary (TIS) is a summarized, category-wise view of all your financial transactions reported against your PAN (or Form 60/61 if you don't have PAN) during a financial year. The Income Tax Department creates it by removing duplicate entries from multiple sources and grouping similar information under categories like:

• Salary

• Interest

• Dividends

• Capital gains

• Rent

• And more

Here's what makes TIS special:

Two Values You'll See:

1. Value Processed by System: The department's system calculates this after removing duplicates from multiple sources (banks, employers, mutual funds, etc.)

2. Value Accepted by Taxpayer: This is the derived value—what the system shows after considering your feedback on AIS. This derived value is what pre-fills your ITR.

Think of TIS as your pre-checked income summary. The department uses it to auto-populate your return, but you can still change the figures if needed.

Key Details Under TIS

When you open your TIS, here's what you'll find for each category:

What Information Is Available in TIS?

Your TIS includes a wide range of income and transaction categories. Here's what you'll typically see:

Income Categories

• Salary income from Indian employers

• Interest income from savings accounts and fixed deposits

• Dividend income from stocks and mutual funds

• Capital gains from mutual fund redemptions and stock sales

• Rent received from Indian property

• Foreign remittances received into Indian bank accounts

• Sale proceeds from immovable property in India

• TDS deducted by banks, employers, tenants, and fund houses

• Advance tax and self-assessment tax payments made

• Transactions reported under Form 60 and Form 61 (when PAN wasn't provided)

Official Information Categories (6 Types)

The TIS organizes information into these 6 official categories:

1. TDS/TCS information (Tax Deducted/Collected at Source)

2. SFT information (Specified Financial Transactions)

3. Tax payment information

4. Tax demand and refund information

5. Pending proceedings information

6. Completed proceedings information

Each category shows both what was reported by financial institutions AND what you declared in your ITR (if filed). If there's a difference, TIS clearly highlights it.

Difference Between AIS and TIS

Many people confuse AIS and TIS. Here's the clear difference:

In a Nutshell

• Use AIS to check and correct individual entries

• Use TIS to verify your overall income picture before filing

The flow works like this:
Form 26AS → AIS → TIS → Pre-filled ITR

Important: If Form 26AS and AIS values differ, always use Form 26AS value. You can verify 26AS against salary slips, bank statements, and sale/purchase invoices.

How to Download TIS from Income Tax Portal

Follow these 5 simple steps:

Step 1: Log in to the income tax e-filing portal (incometax.gov.in)

Step 2: Under the "Services" tab, click on "Annual Information Statement (AIS)"

Step 3: Click "Proceed" and then click the "AIS" tab

Step 4: Click on "Taxpayer Information Statement (TIS)" on the next page

Step 5: Your PDF will download (it's password-protected)

What Is the Password to Open TIS PDF?

The TIS PDF is password-protected for security. Here's how to unlock it:

For Individuals:

• Password format: PAN (lowercase) + Date of Birth (DDMMYYYY)

• Example:

  • PAN: ABCDE1234F

  • Date of Birth: 15 March 1982

  • Password: abcde1234f15031982

For Non-Individuals (companies, firms, etc.):

• Password format: PAN (lowercase) + Date of Incorporation/Formation (DDMMYYYY)

Why Should You Check TIS Before Filing ITR?

Reviewing your TIS before filing isn't optional—it's essential. Here's why:

1. Your ITR Is Auto-Populated from TIS

The tax portal uses TIS data to fill your return automatically. If TIS has incorrect figures and you file without checking, your return will have errors. This can trigger a mismatch notice from the Income Tax Department later.

2. TIS Helps You Catch Unreported Income

Banks, mutual funds, or employers might report income against your PAN that you forgot about. TIS shows it all, so you can account for every rupee before filing.

3. Reduces Risk of Tax Notice

The department automatically cross-references your filed income against TIS. If there's a major gap between what TIS shows and what you declare, you could get a tax notice unless you correct it before filing.

4. Helps Verify TDS Deductions

TDS is deducted on many income types (capital gains, rent, interest). TIS reflects all TDS deducted from your PAN. When filing, ensure you claim all TDS credits so you don't leave refund money behind.

5. Supports DTAA Benefits Claims (For NRIs)

If you're an NRI claiming tax exemption under a Double Taxation Avoidance Agreement (DTAA), TIS shows income reported against your PAN. This helps you identify which income is covered by the treaty and claim exemptions precisely.

NRI Checklist: Before You Download & Use TIS

If you're an NRI filing Indian ITR, use this checklist:

1. Log in to incometax.gov.in using your PAN

2. Go to Services → AIS → Access TIS

3. Review all income categories against your actual income

4. Check TDS figures against your TDS certificates and Form 26AS

5. Verify capital gains against your fund house or broker statements

6. Check for foreign remittances incorrectly shown as income

7. Submit AIS feedback if you find incorrect entries (before filing)

8. Download TIS PDF and open with applicable password

9. Use TIS figures to cross-check your ITR before final submission

10. Consult a CA if any category shows unfamiliar or unexplained income

Common Mistakes to Avoid

Final Thoughts

The Taxpayer Information Summary (TIS) is one of the most useful tools for filing accurate Income Tax Returns. It gives you a clear, category-wise snapshot of everything the Income Tax Department knows about your income before you file.

Reviewing your TIS before filing helps you:

• Avoid mistakes and mismatch notices

• Catch incorrect entries early

• Claim the right TDS credits

• Support DTAA exemption claims with accurate data

The Process Is Simple:

1. Log in to incometax.gov.in

2. Go to AIS section

3. Open TIS

4. Review each category

5. Raise feedback in AIS for any errors

6. File your return with confidence

If you're unsure about your TIS figures, need help with ITR filing, or want expert guidance on tax compliance, connect with Savetaxs. Our tax experts help you:

• Determine your Residential Status under Section 6

• Compute your Indian-source income accurately

• Apply DTAA benefits correctly

• File the right ITR form

• Manage TDS refunds efficiently

Connect with Savetaxs today—we serve taxpayers 24/7 across all time zones with expert tax guidance.