• Check refund status on the Income Tax Portal or NSDL portal.
• Common refund delays occur due to bank detail issues.
• Defence personnel must update primary bank accounts before postings.
• Interest under Section 244A applies for delayed refunds.
• udChalo offers CA-assisted filing at ₹499 for easy and accurate refunds.

If you have filed your Income Tax Return (ITR) for FY 2024-25 and are waiting for your refund, you are not alone. Many Army, Navy, and Air Force personnel eagerly look forward to receiving their excess tax refund. But how do you check your ITR refund status, and what should you do if it’s delayed? 

This comprehensive guide explains every step in detail and covers defence-specific situations, such as postings, bank account changes, and pension refunds.

An ITR refund occurs when the tax you have paid (through TDS, advance tax, or self-assessment) is more than your actual tax liability. The Income Tax Department processes your return, verifies the calculations, and issues a refund if you’ve paid excess tax.

For defence personnel, refunds often happen due to:

• TDS is deducted on allowances exempt under Section 10.
• Misreported arrears or pension amounts.
• An extra tax was deducted due to the lack of Form 10E submission.

There are two main platforms to check your refund status:

1. Income Tax e-Filing Portal
2. NSDL Refund Status Portal

1. Checking ITR Refund on the Income Tax Portal

1. Visit the Income Tax e-Filing Portal.
2. Log in using your PAN and password.
3. Go to ‘e-File’ > ‘Income Tax Returns’ > ‘View Filed Returns’.
4. Select Assessment Year (AY 2025-26).
5. Click on ‘View Details’ – here, you will see:
   • Return status (Processed / Under Processing / Refund Issued).
   • Refund amount (if applicable).
   • Date of credit to the bank account.

2. Checking Refund Status on NSDL (TIN)

1. Visit NSDL Refund Status Portal.
2. Enter PAN and Assessment Year.
3. Enter the captcha and submit.
4. The system will show:
   • Whether the refund has been sent.
   • Mode of payment (NEFT / Cheque).
   • Bank account details.

You might see several types of refund status updates. Here’s what they mean:

• Refund Paid: Your refund is credited to your bank account.
• Refund Failed: Issue with bank details – update through the portal.
• Refund Returned: Bank did not accept the refund (incorrect IFSC, closed account).
• No Demand, No Refund: No extra tax was paid.
• Refund Status Not Determined: Processing still underway.

• Incorrect bank account or IFSC details.
• Unverified bank account on the Income Tax Portal.
• Mismatch in personal details (PAN vs bank KYC).
• CPC Bangalore is requiring clarification or additional documents.
• Frequent postings leading to account closure or change.

If you have been waiting for more than 30 days after return processing, here’s what to do:

1. Verify Bank Account on the Income Tax Portal.
2. Check email/SMS for any IT Department communication.
3. If the refund failed, submit a Refund Re-Issue Request:
   • Log in to the Income Tax Portal.
   • Go to Services > Refund Re-issue.
   • Select the correct account and submit.

If your refund is delayed by the Income Tax Department (after return processing), you’re eligible for interest under Section 244A:

• 0.5% per month on the refund amount.
• Starts from April 1 of the assessment year till the refund is granted.

• PCS and Bank Change: Always update your primary bank account before moving.
• Field Postings: Avoid using local accounts that might become inactive.
• Pension Refunds: Pensioners who opted for the wrong tax regime can still revise and claim refunds.

Checking refund status is easy, but ensuring correct filing is the real challenge. With udChalo CA-Assisted ITR Filing at just ₹499, you get:

• Accurate filing with defence-specific allowances.
• Assistance in refund tracking.
• Lowest price guarantee.
  File your ITR now with udChalo.

For more tax insights, check our complete tax guide for defence personnel.

Timely tracking of your refund ensures your hard-earned money reaches you without delay. Defence personnel face unique challenges due to frequent postings and allowances, making professional assistance essential.
File your ITR with udChalo today for a seamless experience.