7 Reasons Your Tax Refund Is Still Pending
21 Jul, 2025
Credit: Getty
Claiming deductions like HRA or medical insurance without valid proof can stop your refund. If the tax office doubts your claim, they'll hold your refund and may ask for documents.
Wrong Deduction Claims
If the details in your tax return don't match your Annual Information Statement (AIS) or Form 26AS, your refund can be delayed until you fix the difference.
Mismatch in ITR and AIS Data
A simple mistake in your bank account number or IFSC code can stop your refund. Your account must also be pre-validated and linked on the I-T portal.
Incorrect Bank Details
If your bank account name does not match your PAN name — for example, in joint accounts or if there's a spelling mistake — your refund may get stuck.
Bank Account–PAN Mismatch
Sometimes, the refund is issued but doesn't reach you due to an inactive account, a changed IFSC code or incomplete KYC. In such cases, you need to raise a refund reissue request.
Refund Issued but Not Credited
If you owe tax from previous years, the department can adjust it against your refund. You'll get an email or SMS about this. Sometimes the full refund is used to clear dues.
Tax Adjusted Against Dues
If your return is selected for scrutiny or detailed checking, your refund will be kept on hold until the process is finished, which can take extra time.
Return Under Scrutiny
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