When Will Your ITR Refund Be Credited and Why Is It Getting Delayed?

Waiting for your Income Tax Refund? You’re not alone. The big question on everyone’s mind: “When will my refund actually show up in my bank account?”
Knowing what’s going on behind the scenes (and what slows things down) can save you a lot of stress.

How long does it take to get your ITR refund?

Usually, the Income Tax Department sends refunds within 20 to 45 days after you verify your return. If you file and verify early, you’ll probably get your money sooner. But sometimes, things drag out—extra checks or data mismatches can slow things down.

Here’s why your ITR refund might be delayed:

1. Return Under Processing

If your status says “Return Under Processing,” the department’s still looking at your return. No refund until they’re done.

2. Late or Missed e-Verification

You have to e-verify your ITR. If you skip this or do it late, your refund won’t even start getting processed.

3. Incorrect Bank Details

Typos in your account number, an old IFSC code, or an unvalidated bank account—these things trip up refunds all the time.

4. TDS or AIS Mismatch

When the TDS figures in your Form 26AS or AIS don’t match what you filed, the department holds things up and waits for you to clarify.

5. ITR Sent for Detailed Scrutiny

Sometimes, your return gets flagged for a deeper review. Maybe it hit a risk indicator. This takes longer.

6. Pending Tax Dues

If you owe tax from previous years, your refund might get adjusted against what you owe, or just held up until it’s sorted.

Want to check your refund status?

Just log in to the Income Tax Portal or the NSDL refund status page. Enter your PAN and assessment year, and you’ll see where things stand.

Need Help With Your Refund?

If your refund is delayed or you need assistance, contact us for expert ITR and refund support today.