ITR Refund Still Not Credited Even After Processing? Here’s Why It Happens, What You Can Do To Fix It Without Panic

**Why Your Income Tax Refund Might Be Delayed and How to Resolve It**

Many taxpayers this year are encountering a common issue—their Income Tax Return (ITR) shows as **’Processed’**, but the refund amount has not yet been credited to their bank account. If you’re facing this situation, don’t worry. Such delays are relatively normal in certain cases, and there are effective ways to address them.

### Why Your Refund Might Be Delayed

Several factors can cause a delay in receiving your income tax refund:

– **Incorrect Bank Account Details:** Entering the wrong bank account number or IFSC code while filing your return is a common reason.
– **Mismatch in TDS or Form 26AS:** Discrepancies in your Tax Deducted at Source (TDS) details or errors in Form 26AS—the tax credit statement—can hold up your refund.
– **Processing Time:** Even if all details are accurate, it may take between 15 to 30 days after your return is processed for the refund to be credited. This delay is especially common 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 portal.
2. Navigate to the **Refund/Demand Status** section.

If your refund status is marked as “Processed” but you haven’t received the amount:

– Re-verify that your **bank account number and IFSC code** are correct.
– If your details are accurate and you still haven’t received the refund, you can **submit a Refund Reissue Request** on the portal. This triggers a fresh attempt to credit your refund.

### What to Do If There’s Still No Update

If your refund shows an **RFD (Refund File Dispatch) code** but the amount is still not credited:

– Contact **NSDL (National Securities Depository Limited)** or your bank.
– Sometimes, technical glitches in the bank’s system can cause delays.

### Faster Processing for Non-Audit Taxpayers

Taxpayers with income from salaries, interest, or those who do not require an audit generally receive refunds faster. These returns are simpler and processed directly through the portal, speeding up the timeline.

### Important Dates to Remember

– The last date to file ITR for AY 2025–26 was **September 16, 2025**, after two deadline extensions.
– For audit cases, the final filing date remains **October 31, 2025**.

If you’re facing refund delays, keeping track of these steps and timelines can help you resolve your concerns more quickly. For further assistance, always rely on official income tax resources or consult a tax professional.
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