Receiving an income tax refund can be a relief after filing your ITR, but delays are common and frustrating. Understanding why refunds get delayed and how to accelerate the process can save time and reduce stress.

1. Common Reasons for Income Tax Refund Delays

Several factors can cause a delay in processing refunds:

a) Incorrect bank Details

· If the bank account mentioned in the ITR is incorrect, closed, or inactive, refunds can bounce.

· Ensure the account is linked with PAN and is active at the time of filing.

b) Unverified ITR

· Filing an ITR is not complete until it is verified.

· E-verification can be done via Aadhaar OTP, Net Banking, EVC, or sending ITR-V by post.

· An unverified ITR will not be processed, causing significant delays.

c) PAN-Aadhaar Mismatch

· PAN and Aadhaar details must match exactly.

· Even minor spelling differences can lead to processing delays.

d) Discrepancies in Form 26AS or AIS

· If there’s a mismatch between tax deducted (TDS/TCS) reported in Form 26AS and the income reported in ITR, the refund can be held for scrutiny.

· Employers, banks, or other deductors should report TDS accurately.

e) Errors in ITR Filing

· Errors such as wrong assessment year, missing schedules, or incorrect income details can slow down refunds.

f) Departmental Scrutiny

· If the Income Tax Department suspects discrepancies or unusual claims, your refund may be held pending verification.

2. How to Track Your Income Tax Refund

· Visit the Income Tax e-filing portal (www.incometax.gov.in) and navigate to Refund/Demand Status.

· Use TRACES (www.tdscpc.gov.in) for detailed TDS and refund information.

· Refunds are generally processed within 6–12 weeks of filing, but delays may occur for the reasons mentioned above.

3. Tips to Get Your Refund Faster

a) Verify Your ITR Immediately

· Ensure e-verification is completed within 120 days of filing.

· Use Aadhaar OTP for instant verification.

b) Double-Check bank Details

· Confirm your bank account is active, correct, and linked to PAN.

· Avoid joint accounts with multiple holders that might complicate processing.

c) Reconcile Form 26AS

· Cross-check TDS/TCS credits and other tax payments with your Form 26AS.

· Rectify any discrepancies before filing or submit a rectified ITR if needed.

d) Ensure PAN-Aadhaar Consistency

· Correct any mismatches in name, date of birth, or PAN with the Aadhaar database.

· Update PAN details if needed before filing or using the online correction facility.

e) Respond Promptly to Notices

· If the IT Department raises queries or notices, respond promptly with supporting documents.

· Delays in responding can hold your refund indefinitely.

f) File Accurately and On Time

· Avoid last-minute filing that may lead to mistakes.

· Include all sources of income, exemptions, and deductions correctly.

4. When to Contact the Income Tax Department

· If your refund is delayed beyond 12 weeks and all details are correct:

o Call the Centralized Processing Centre (CPC) at 1800-425-2229.

o Raise an e-niv application through the e-filing portal.

· Keep ITR acknowledgment, Form 26AS, and bank statements handy when contacting the department.

5. Proactive Measures for Future Refunds

· File ITR early to avoid last-minute errors.

· Keep PAN, Aadhaar, and bank details updated and consistent.

· Maintain digital records of Form 26AS and TDS certificates.

· Consider using professional tax filing software or services for accurate filing.

Conclusion

Income tax refund delays are usually caused by incorrect information, verification issues, or discrepancies in tax reporting. By double-checking details, reconciling TDS/TCS credits, and completing verification promptly, taxpayers can significantly reduce refund waiting time. Staying proactive ensures that your hard-earned money reaches you faster without unnecessary stress.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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Balasahana Suresh

13/12/2025 03:45 PM