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 StatusLog in to the Income Tax e-Filing Portal and check whether your return is processed and refund issued.
Track Refund StatusIf the refund is marked as “Issued” but not credited, check your bank statement or request a refund reissue.
Contact the Income Tax DepartmentIf it has been more than
30 days after processing, you may contact CPC or raise a grievance on the portal.
Interest on Delayed RefundAs per Section 244A of the Income Tax Act, you may get interest on delayed refunds, subject to conditions.