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💰 INCOME TAX REFUND — FY 2025-26 GUIDE

Income Tax Refund 2025-26 — How to Claim & Check Status

If TDS deducted is more than your actual tax liability, you get a refund. File ITR before July 31 and get refund in 15-45 days. CA helps you claim maximum refund at ₹299.

💰 Claim Your Refund15-45 Days Processing
💬 File ITR for Refund — ₹299📞 +91 93547 24268

How to Check Income Tax Refund Status

Method 1: Income Tax Portal
  1. 1. Go to incometax.gov.in
  2. 2. Login with PAN + password
  3. 3. My Account → Refund/Demand Status
  4. 4. Select Assessment Year
  5. 5. Check refund status and amount
Method 2: NSDL Portal
  1. 1. Go to tin.tin.nsdl.com
  2. 2. Click "Income Tax Refund Status"
  3. 3. Enter PAN and Assessment Year
  4. 4. Enter Captcha and Submit
  5. 5. Refund status displayed
Refund Status Meanings:
ITR Processed — Refund Due: ✅ Refund will come in 3-5 days to bank
Refund Adjusted Against Demand: ⚠️ Old tax due adjusted — contact IT dept
Refund Failed: ❌ Bank account issue — re-validate account
Under Processing: ⏳ ITR still being verified by IT dept

Who Gets Income Tax Refund?

👔
Salaried Employees
Employer deducted TDS but you have deductions like HRA, 80C, home loan that reduce tax liability to less than TDS deducted.
🏠
Home Loan Holders
Interest deduction u/s 24(b) + principal under 80C reduces taxable income significantly — often resulting in refund.
💊
Medical Expenses
High medical bills, health insurance premium under 80D can reduce tax liability below TDS deducted.
📚
Education Loan
Interest on education loan (80E) deductible for 8 years — reduces tax, may create refund.
💸
Excess TDS Deducted
If employer computed tax incorrectly or FD bank deducted TDS at 20% while your actual rate is lower.
🌐
NRI
NRIs with income from India (rent, FD, dividends) often have excess TDS deducted — file ITR to get refund.

Income Tax Refund Timeline

ActionTime
File ITR on IT portalDay 1
E-verify with Aadhar OTPWithin 30 days of filing
ITR acknowledgement receivedImmediately after e-verify
ITR processing by CPC Bengaluru15-45 days
Intimation u/s 143(1) issuedAfter processing
Refund credited to bank account3-5 days after intimation
Total time from filing to refund30-60 days (if filed in April-May)

Refund Not Received? Common Issues & Fixes

❓ ITR not e-verified

You must e-verify ITR within 30 days of filing. Without e-verification, ITR is invalid and no refund is processed. E-verify using Aadhar OTP at incometax.gov.in → My Account → e-Verify Return.

❓ Bank account not pre-validated

Go to IT portal → My Bank Account → Pre-validate your bank account with IFSC code, account number, PAN, Aadhar. Refund goes only to pre-validated account.

❓ PAN-Aadhar not linked

Mandatory since 2023. Link PAN-Aadhar at incometax.gov.in. If not linked, ITR is treated as invalid — no refund. Go to e-Filing → Link Aadhar.

❓ Refund adjusted against old demand

Check outstanding demands at IT portal. If old demand exists, refund is automatically adjusted. You may need to file a rectification request or response to demand.

Claim Maximum Tax Refund — CA Filed ITR at ₹299

CA identifies all your eligible deductions — 80C, HRA, home loan, 80D — to maximize your refund. File before July 31.

💬 Claim Refund — ₹299📞 +91 93547 24268
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