ITR Filing FY25: Why Your Income Tax Refund May Be Delayed and How to Track It

As the September 16, 2025 ITR filing deadline has passed, many taxpayers are now waiting for their income tax refunds. The refund process begins only after your return is e-verified, and in most cases, the credit is received in about four to five weeks.

However, delays are not uncommon and may happen due to data mismatches, incorrect bank details, or other discrepancies.

How Long Does It Take to Receive an ITR Refund?

Once your ITR is e-verified, the Income Tax Department starts processing it. According to tax experts, refunds are usually credited within 2 to 5 weeks:

• Simple returns: Often processed within a week.
• Returns with business income, capital gains, or multiple deductions: May take 2–4 weeks.
• Cases flagged for scrutiny or with mismatched details: Can take longer.

If your refund doesn’t arrive within the expected time frame, check for discrepancies in your return or look out for notices issued by the Income Tax Department.

Reasons for ITR Refund Delays

Some common reasons why refunds are delayed include:

• Bank account not pre-validated on the e-filing portal.
• Mismatch between bank account name and PAN details.
• Invalid or outdated IFSC code.
• Closed bank account mentioned in ITR.
• PAN not linked with Aadhaar.
• Refund amount being unusually high, which may trigger extra checks.

How to Check Your ITR FY25 Refund Status

You can track your ITR refund status easily:

1. Visit income tax portal and log in with your PAN and password.
2. From the top menu, click Services → Know Your Refund Status.
3. Go to the e-File tab, select Income Tax Returns, and click View Filed Returns.
4. The refund status for the relevant assessment year will be displayed.

Read More: ITR Filing FY25: How to Get a Copy of Your Income Tax Return Online?

Types of ITR Status You May See

• Submitted and pending for e-verification: ITR filed but not yet verified.
• Successfully e-verified: Verified but not yet processed.
• Processed: Return has been successfully processed.
• Defective: Return has errors; you’ll receive a notice under Section 139(9) to fix them.
• Transferred to AO: Your case has been forwarded to the Assessing Officer for review.

ITR FY25 Refunds Above ₹50,000

There is no cap on the refund amount. Large refunds are credited just like smaller ones, though they may undergo additional scrutiny, leading to slight delays.

FY25 TDS Refunds

You can claim a TDS refund only after filing and e-verifying your ITR. Refunds are processed if the total TDS deducted is higher than your actual tax liability. Always check Form 26AS to ensure the TDS details are accurate, and ask the deductor to correct any errors before filing.

Conclusion

While most income tax refunds for FY25 are processed within a few weeks, delays can occur due to discrepancies in bank details, PAN-Aadhaar linking, or high refund amounts. Ensuring that your ITR is accurately filed and e-verified, and regularly checking your refund status on the Income Tax portal, can help minimise delays. Ultimately, staying informed and proactive is key to a smooth refund process.

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