The deadline for filing Income Tax Returns (ITR) for the assessment year 2025–26 is 15 september 2025. While many taxpayers have already received their refunds, some are still waiting.
If you are among those whose refund has not yet been credited, don’t panic. There are several common reasons for delays—and solutions.
Why Is Your ITR Refund Delayed?
1. Incorrect or Incomplete bank Details
Mistakes in account number, IFSC code, or account holder name can stop your refund from being credited.
Ensure that the bank account is linked with your PAN and is pre-validated on the Income Tax portal.
2. Mismatch Between ITR & Form 26AS / AIS
If there are discrepancies between your filed ITR and the data in Form 26AS or Annual Information Statement (AIS), the refund may be delayed.
Example: Income not disclosed, or TDS claimed wrongly.
3. ITR Not Verified
Filing the return is not enough—it must be verified within 30 days of filing (via Aadhaar OTP, Net Banking, or sending a signed copy to CPC Bangalore).
Unverified returns are not processed, hence no refund.
4. Departmental Scrutiny or Investigation
If the Income Tax Department suspects large refund claims or inconsistencies, your ITR may be selected for detailed scrutiny.
Processing will be delayed until verification is complete.
5. Adjustment Against Previous Tax Dues
If you have outstanding tax liabilities, the department may adjust your refund against those dues.
A notice is generally issued in such cases.
What Should You Do If Your Refund Is Delayed?
Check ITR Processing Status
Log in to the Income Tax e-Filing Portal and check whether your return is processed and refund issued.
Track Refund Status
If the refund is marked as “Issued” but not credited, check your bank statement or request a refund reissue.
Contact the Income Tax Department
If it has been more than 30 days after processing, you may contact CPC or raise a grievance on the portal.
Interest on Delayed Refund
As per Section 244A of the Income Tax Act, you may get interest on delayed refunds, subject to conditions.
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