For submitting tax returns, all resident males with annual income below Rs 10 lakh should fill up Form P and all resident females with income below Rs 8 lakh should fill up Form Q. All people with incomes above Rs 10 lakh should fill up Form R, except non residents with income above Rs 15 lakhs, who should fill up Form S. All others should fill Form T. An example of a person who should fill Form T is