ITR Refund 2025: Trouble Receiving Your ITR Refund? Get Your Pending Money from Home   Know the Process

The process of filing an Income Tax Return (ITR) is not considered complete until the refund amount is credited to your bank account. This year, many taxpayers are receiving notices from the Income Tax Department, which has slowed down the refund process.

If your ITR refund has not been credited yet, there is no need to panic. Below is a simple, step-by-step guide to help you track and receive your pending refund from home.

Income Tax Refund Not Received? Follow These Steps

Step 1: Check Your ITR Refund Status First

Before registering a complaint, it is important to know where your refund is stuck.

1. Log in to the Income Tax e-filing portal: incometax.gov.in

2. Go to e-File > Income Tax Returns > View Filed Returns

3. Select the relevant Assessment Year (for example, AY 2025–26)

You may see one of the following statuses:

• Processed with Refund Due
  This means the CPC has approved the refund, but the bank transfer is still pending.

• Refund Failed
  The department attempted to send the refund, but the transaction failed due to technical issues such as incorrect bank details.

• Refund Paid
  The refund has been sent according to the department. If you have not received it, further verification is required.

Step 2: Who to Contact and Where

Based on your refund status, contact the appropriate authority:

1. Delay in Processing (CPC Bengaluru)

If your return has not been processed for a long time or the refund has not arrived even after receiving the intimation order, contact the Centralized Processing Centre (CPC).

• Toll-Free Numbers: 1800 103 0025 / 1800 419 0025

• Direct Line (Bengaluru): +91-80-4612 2000

• Working Hours: Monday to Friday, 8:00 AM to 8:00 PM

2. Refund Marked as ‘Paid’ but Not Credited (SBI)

State Bank of India (SBI) is the official refund banker. If the portal shows “Refund Paid” but the amount is not credited, contact SBI.

• SBI Refund Enquiry Toll-Free: 1800 425 9760

3. Legal or Complex Issues (JAO)

If your refund is withheld due to scrutiny, a notice, or adjustment under Section 245 for past tax dues, contact your Jurisdictional Assessing Officer (JAO).

You can find your officer’s details using the ‘Know Your AO’ option on the Income Tax portal.

Step 3: File an Online Grievance

Instead of waiting on helpline calls, you can officially lodge a complaint online:

1. Log in to the e-filing portal

2. Go to the ‘Grievances’ tab

3. Click on ‘Submit Grievance’

4. Select Department: CPC-ITR

5. Choose Category: Refund not received

6. Describe your issue and submit

The department is required to respond within a specified time frame.

Step 4: Fix Common Mistakes That Delay Refunds

Many times, refunds are delayed due to minor errors by taxpayers. Check the following immediately:

• Bank Account Validation
  Ensure your bank account is pre-validated and linked with your PAN. Verify this under ‘My Bank Accounts’ on the portal.

• Outstanding Tax Demand
  If there is any pending tax from previous years, the department may adjust your current refund against it. Check this under ‘Response to Outstanding Demand’.

Conclusion

A delay in ITR refund is common and usually not a cause for concern. By checking your status correctly, contacting the right authority, filing an online grievance, and keeping your bank details updated, you can ensure that your refund reaches you safely and without unnecessary stress.