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Why Your Income Tax Refund Get delay?

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Why Your Income Tax Refund Hasn’t Come Yet? | 7 Common Reasons & Solutions

Story Time:
Ramesh, a salaried employee in Mumbai, was excited. He had filed his Income Tax Return (ITR) for AY 2025-26 well before the deadline and was expecting a ₹12,000 refund. Days passed, then weeks—but no refund. Confused and worried, Ramesh searched online, asked friends, and even checked with his CA. Finally, he realized the problem wasn’t with the government—it was with small, overlooked details in his ITR process.

If you’re like Ramesh and still waiting for your income tax refund, this blog is for you.

✅ What is an Income Tax Refund?

An income tax refund is the amount the government returns to you when you’ve paid more taxes than your actual liability. It could be due to excess TDS (Tax Deducted at Source), advance tax, or other deductions.

But if your refund hasn’t come, it doesn’t mean it’s gone. It just means there’s a delay—often due to a few avoidable mistakes.

🔍 7 Common Reasons Why Your Refund Might Be Delayed

1. ITR Not e-Verified

Just filing ITR is not enough. The Income Tax Department processes your return only after it’s e-verified.

How to fix it:

  • Login at incometax.gov.in

  • Click on “e-Verify Return”

  • Use Aadhaar OTP, EVC, or net banking to verify

Deadline: Must be done within 30 days of filing

2. Bank Account Not Validated

Your refund will only be credited to a bank account that is validated and pre-validated on the income tax portal.

How to check & fix:

  • Go to Profile > My Bank Account

  • Validate your PAN-linked bank account

3. Mismatch in AIS or Form 26AS

If the income reported in your ITR does not match with what’s shown in AIS (Annual Information Statement) or Form 26AS, your return may go into manual review, delaying your refund.

Solution:

  • Review Form 26AS and AIS before filing ITR

  • If there’s an error, correct your ITR or submit feedback in AIS

4. Refund Already Issued but Failed

Sometimes, the refund is processed but fails to reach your account due to incorrect IFSC code, closed bank account, or linking issues.

How to check:

5. Old Outstanding Demand Adjustment

If you have any outstanding demand from previous years, your refund may be adjusted against it, either partially or fully.

Check this:

  • Login to the income tax portal

  • Go to “Outstanding Tax Demand” section

  • Raise a grievance if the demand is incorrect

6. Return Taken for Manual Processing

Certain cases, especially those with high refunds or mismatches, are manually reviewed by CPC (Centralized Processing Centre).

What to do:

  • Be patient and monitor the status

  • Visit “My Returns” and see if it’s “Under Processing”

7. Missed Communication from IT Department

If you’ve received a notice or query from the department and didn’t respond, your refund may be held.

To fix:

  • Login to the portal and check “View Notices”

  • Respond as required to move your case forward

📅 Refund Timeline

Normally, refunds are issued within 7 to 45 days after e-verification. But if your case involves manual processing, it may take up to 90 days.

💡 Tips to Get Your Refund Faster

  • File early and don’t wait till the last date

  • Ensure bank details are updated and active

  • Always cross-check Form 26AS & AIS before filing

  • Avoid filing revised returns unless absolutely necessary

  • Keep an eye on emails and messages from Income Tax Department

📱 Where to Get Help?

Need help with filing or refund tracking?

🎯 Moral of the Story:

Small mistakes lead to big delays. Just like Ramesh learned, your refund is not just about filing—it’s about filing correctly. A few minutes of extra care can save you weeks of stress later.

🔖 Conclusion:

If your income tax refund is delayed, don’t panic. In most cases, it’s either a verification or data mismatch issue. Follow the steps above to track and resolve the problem. Stay updated, stay compliant—and always double-check before you file.

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