**Why Is Your Income Tax Refund Delayed Despite ITR Being Marked ‘Processed’?**
**New Delhi:** Many taxpayers are facing a common issue this year — their Income Tax Return (ITR) has been marked as *Processed*, but the refund amount hasn’t been credited to their bank account yet. If this sounds like your case, don’t worry. This delay is normal in some situations, and there are ways to resolve it.
### Why Your Refund Might Be Delayed
There are several reasons why your refund could be delayed:
– **Incorrect Bank Details:** The most common reason is entering incorrect bank account details or the wrong IFSC code while filing your return.
– **Mismatch in TDS or Form 26AS:** Sometimes, discrepancies in your Tax Deducted at Source (TDS) details or errors in Form 26AS (which shows your tax credit history) can cause delays.
– **Processing Time:** Even if all details are accurate, it can take 15 to 30 days after the return is processed for the refund to reach your account, especially during the peak filing season.
### How to Track and Resolve Refund Delays
To check your refund status:
1. Log in to the [Income Tax e-filing website](https://www.incometax.gov.in).
2. Navigate to the **Refund/Demand Status** section.
If the status shows *Processed* but the refund hasn’t been credited:
– Double-check your bank account number and IFSC code in the portal.
– If your bank details are correct and you still haven’t received the refund, submit a **Refund Reissue Request** on the e-filing portal. This initiates a fresh attempt to send the refund.
### What to Do If There’s Still No Update
If you have an **RFD (Refund File Dispatch)** code but the refund amount is not credited to your account:
– Contact **NSDL** (National Securities Depository Limited) or your bank.
– Sometimes, refunds get delayed due to technical glitches or errors in the banking system.
### Faster Processing for Non-Audit Taxpayers
Taxpayers who have income from salaries, interest, or do not require an audit generally get faster refunds. These returns are simpler and are processed directly through the Income Tax portal without additional verification.
### Important Dates to Remember
– The last date to file your ITR for Assessment Year (AY) 2025–26 was **September 16, 2025**, following two deadline extensions.
– For cases requiring audit, the final deadline remains **October 31, 2025**.
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If you are facing delays, follow these steps to ensure your refund reaches you without hassle. Stay patient, and regularly check your refund status online for timely updates.
https://www.freepressjournal.in/business/itr-refund-still-not-credited-even-after-processing-heres-why-it-happens-what-you-can-do-to-fix-it-without-panic
