Income tax refund late? Four reasons it can fail
The refund user manual says processing starts only after the return is e-verified. Usually it takes 4-5 weeks for the refund to reach your account.
Why it can fail
- Bank account not pre-validated. It is now compulsory
- Name in the bank account doesn't match PAN
- Invalid IFSC code
- The account in your ITR has been closed
An inoperative PAN also fails the refund.
Where to look
e-File tab > Income Tax Returns > View Filed Returns > View Details.
Example
Illustrative example only. You changed banks and closed the old account. Add the new one in My Bank Account and pre-validate it. Validation status updates within 10 - 12 working days. Only a validated account can be nominated for refund.
⚠️ Note
Loan and PPF accounts can't be pre-validated. If you never filed the return and time has run out, a condonation request is a separate route. There is no guarantee: it is at the department's discretion.
Check in order
- ☐ Is the return e-verified?
- ☐ Is the bank account validated?
- ☐ Does the name match PAN?
- ☐ Is PAN linked with Aadhaar?
Return never filed and refund stuck? Condonation request is ready →
Source: incometax.gov.in, Refund Status User Manual; My Bank Account FAQs; Filing of ITR after Condonation of Delay FAQ.