What to Do When ITR FY25 Shows ‘Processed’ but Refund Is Pending

If your ITR FY25 shows ‘Processed’ but you haven’t received your refund yet, there’s no need to panic. As of October 5, over 7.68 crore income tax returns have been filed, with 6.11 crore already processed. This leaves around 1.57 crore returns still pending, so delays are not unusual.

This year, the deadline for filing non-audit ITRs was September 16, 2025. For audit cases, the CBDT maintained the original return filing deadline of October 31, 2025, though the submission date for tax audit reports has been extended to the same date. 

Why Refund Delays Happen?

Even if your e-filing portal shows that your ITR has been processed, the refund may not reach your bank immediately. Refund delays can occur due to incorrect bank details, discrepancies in TDS or tax credits, or procedural backlogs at the Income Tax Department or banks. Taxpayers often notice a gap of 15–30 days between the processing of their ITR and the credit of the refund.

Steps to Take if Your Refund Is Pending

1. Check the refund/demand status: Log in to the Income Tax e-filing portal (https://eportal.incometax.gov.in/iec/foservices/ ) and navigate to the Refund/Demand Status section. If your refund is marked as processed but hasn’t been credited, move on to the next steps.
2. Verify bank details: Ensure that your bank account and IFSC code provided in the ITR are correct. Mistakes in these details are one of the most common reasons for delayed refunds.
3. Reconcile Form 26AS and TDS: Compare the tax deducted in Form 26AS with the amount reported in your ITR. Discrepancies can lead to delays, so reconciling these details can help identify issues.
4. Request refund reissue: If all details are correct and the refund hasn’t been credited, you can request a refund reissue through the e-filing portal’s help desk.
5. Contact Bank or NSDL: If the refund has been processed and an RFD code has been generated but the money is not credited, contact your bank branch or NSDL. Sometimes, banks require additional time to complete the transaction.

Understanding the ITR Filing Process for Non-Audit Cases

For non-audit taxpayers, ITRs are typically filed based on salary, bank interest, or other regular income. Taxpayers enter their income, deductions, and TDS details on the e-filing portal. After submission, the government verifies and processes these returns. 

This verification process can sometimes take a few weeks, which may explain the gap between the ITR being marked as ‘Processed’ and the refund reaching your account.

Read more:ITR Filing 2025: Key Deadlines and Rules for Every Taxpayer

Conclusion

By checking your bank details, reconciling TDS, and contacting the relevant authorities if needed, you can ensure that your refund reaches you without unnecessary stress. Staying patient and following the proper steps will help resolve most issues efficiently.

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