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11 Reason for Not receiving your Income Tax Refund

Updated on: 23 Nov, 2023 01:22 AM

The most awaited step after verifying your Income Tax Return is getting refund. But, many a time our wait is Prolonged!! Who likes to wait for getting some money? No one right!! So, today we would be understanding 11 such possible reasons for a delay in getting Income Tax Refund Online and the actions you must take. First of all, we would suggest you to ensure that you have e verified your ITR or sent the signed copy to CPC Bengaluru. Because without completing the verification process no refund is initiated by the Income Tax Department. Already done above, next, you should check your Income Tax Refund Status which can be done in any of the following manners:

Through Income Tax Login

On checking your Refund Status by quoting your PAN number and selecting the relevant Assessment Year you might come across any of the 11 status and here is a list of actions which must be taken by you.

S.No. Refund Status What does it mean Action to be taken
1. No E-filing is Done You have not filed your ITR or have filed it in paper form manually. To claim Income Tax Refund post Financial year 2014-15, it is mandatory to file a return of tax online. File your ITR Now!!
2. Refund is already credited to your Bank account. Please contact your bank. Or Refund cheque has been encashed The refund amount has already been transferred in your bank account by the Income Tax Department. Check your bank statement a son date specified in the status. Cross check the bank account which you gave at the time of filing ITR for credit of refund. If the problem persists contact SBI, Mumbai on 1800 425 9760
3. Refund not determined Or Your return is pending with the Assessing Officer In this case, your Refund is still being processed by the ITD You should wait, and check status after some days.
4. Account Number provided is incorrect The bank account number given at the time of filing your income tax return is wrong. Make Refund Reissue request with correct account details.
5. Defective Return u/s 139 (9) Your return was not complete or improper. Login your Income Tax India Online account and check for detailed reasons.
6. ITR processed but submit rectification request This generally happens because of mismatch in out and Tax Department calculations. Check details in intimation received u/s 143(1)
7. Return submitted but not verified You have successfully filed your ITR. But verification of the same is still pending. Verify your return either
  • Online
  • Offline
8. No Demand No refund found It means your ITR has been duly processed and there was no refund due. You can check details in intimation received u/s 143(1) and respond accordingly.
9. Return processed and tax demand determined This means after processing your return the tax department is of view that you should still pay some taxes. Check intimation and if not satisfied reply online or make the due payment.
10. Refund sent to the banker Your refund has been processed by the ITD but it is yet pending by the bank to process. Wait for some days and if the situation persists, contact the bank for more details.
11. Refund adjusted against Demand You had refund payable but the same has been adjusted against some taxes payable for previous years. Check notice you must have already received u/s 245 in this regard.

To know more about when the income tax refund becomes due, how to claim it, till when it can be requested and all other related queries you must read out the guide on Income Tax Refund Status. Recommended Read:

CA Abhishek Soni
CA Abhishek Soni

Abhishek Soni is a Chartered Accountant by profession & entrepreneur by passion. He is the co-founder & CEO of Tax2win is amongst the top 25 emerging startups of Asia and authorized ERI by the Income Tax Department. In the past, he worked in EY and comes with wide industry experience from telecom, retail to manufacturing to entertainment where he has handled various national and international assignments.