Why does my ITR refund status show 'Not Determined Yet'?

'Not Determined Yet' usually means your return is either newly filed and not yet picked up by CPC (can take 48-72 hours), or there's a mismatch with Form 26AS/AIS that is being resolved. If it persists beyond 3 weeks, raise a grievance on the portal.

ITR Refund Status Check (2026 Guide)

Q: How long does ITR refund take after verification?

Most refunds arrive within 15-45 days of e-verification for simple salaried returns. During peak season (August-October after the July 31 deadline), it can take 60-90 days due to CPC backlog.

Q: What does 'No Demand No Refund' mean?

'No Demand No Refund' means CPC has processed your return and found that your taxes paid exactly match your tax liability. You don't owe anything, and there's no refund either. This is a valid clean outcome - not an error.

Q: What should I do if my ITR refund status shows 'Refund Failed'?

Refund failure usually means incorrect bank account details or a closed account. Log in to incometax.gov.in → My Profile → Bank Accounts → re-validate your bank account with the correct details. The refund will be re-processed.

Q: What is the difference between 'Refund Initiated' and 'Refund Sent to Bank'?

'Refund Initiated' means the Income Tax Department has sent the refund to SBI (State Bank of India), which handles ITR refund disbursements. 'Refund Sent to Bank' means SBI has transferred the amount to your registered bank account. Credit typically appears within 3-5 working days of 'Refund Sent to Bank'.

Last updated: March 3, 2026 Refund Step-by-step

Your ITR refund status tells you exactly where your return stands - from submission to money in your account. Here's how to check it and what every status message actually means.

How to Check ITR Refund Status Online

Method 1 - Income Tax e-Filing Portal (Recommended)

Go to incometax.gov.in and log in with your PAN and password.
Navigate to e-File → Income Tax Returns → View Filed Returns.
Select the Assessment Year (AY 2025-26 for FY 2024-25 returns).
Your return's current refund status appears on screen.

Method 2 - NSDL Refund Status Portal (No Login Needed)

Go to tin.tin.nsdl.com/oltas/refundstatuslogin.html.
Enter your PAN number, select the Assessment Year, and enter the captcha.
Click Submit - your refund status appears instantly.

What Each ITR Refund Status Means

Here are all possible statuses in sequence - from filing to credit.

Return Submitted Filed but not yet verified. Processing doesn't begin until you complete e-verification. Do it immediately via Aadhaar OTP, net banking, or bank ATM.

Return Verified E-verification complete. Your return has entered the CPC processing queue. No action needed - wait for processing to begin.

Under Processing at CPC CPC is actively processing your return. Centralised Processing Centre (Bengaluru) is reviewing your income, deductions, and TDS against Form 26AS.

Processed Assessment complete. CPC has finished - tax calculated, deductions verified. A refund has been determined, or it's a clean no-demand match. See what "Processed at CPC" means in detail →

Refund Initiated Refund sent to SBI for disbursement. The IT Department has transferred your refund amount to State Bank of India. SBI will credit your account within a few days.

Refund Sent to Bank Money on its way. SBI has transferred the refund to your registered bank account. Expect credit within 3-5 working days.

No Demand No Refund Clean outcome - not an error. Your taxes paid exactly match your tax liability. Nothing is owed to you; you owe nothing. This is a valid, final status.

Refund Failed Bank rejected the transfer. Usually due to incorrect account number, wrong IFSC, or a closed account. Fix: log in → My Profile → Bank Accounts → re-validate. Refund will be reprocessed.

How Long Does ITR Refund Take After Verification?

Return Type	Typical Timeline
Simple salaried return (ITR-1, no discrepancies)	15-30 days
Returns with capital gains / multiple income sources	30-60 days
Peak season (Aug-Oct, post-July 31 deadline)	45-90 days
Returns under scrutiny or with discrepancies	3-6 months or more

Processing times vary with CPC workload. Check live ITR processing speed today →

Why Your Refund Status Shows "Not Determined Yet"

This usually means one of the following:

Return just filed - CPC takes 48-72 hours to pick it up
E-verification still pending
Mismatch between your return and Form 26AS / AIS being resolved
High CPC backlog during peak season

If this status persists beyond 3 weeks, raise a grievance.

8 reasons your refund is delayed and what to do

Frequently Asked Questions

How do I check my ITR refund status?

Log in to incometax.gov.in → e-File → Income Tax Returns → View Filed Returns → select Assessment Year. Or check without login at NSDL: tin.tin.nsdl.com/oltas/refundstatuslogin.html.

How long does ITR refund take after verification?

Most simple salaried refunds arrive within 15-30 days of e-verification. During peak season (Aug-Oct), expect 45-90 days. Returns with capital gains or discrepancies take longer.

What does "No Demand No Refund" mean?

"No Demand No Refund" means CPC processed your return and found that taxes paid exactly match your tax liability. You don't owe anything and there's no refund. It's a clean, valid outcome - not an error.

What should I do if my refund status shows "Refund Failed"?

Log in to incometax.gov.in → My Profile → Bank Accounts → re-validate your bank account with correct details. Once re-validated, your refund will be reprocessed.

What is the difference between "Refund Initiated" and "Refund Sent to Bank"?

"Refund Initiated" means the IT Department has sent the amount to SBI for disbursement. "Refund Sent to Bank" means SBI has transferred it to your bank account. Credit typically appears within 3-5 working days of "Refund Sent to Bank".

Can I check ITR refund status without logging in?

Yes. Visit tin.tin.nsdl.com/oltas/refundstatuslogin.html - enter your PAN, Assessment Year, and captcha. No login required.

My refund was processed but not credited - what do I do?

If "Refund Sent to Bank" has been showing for more than 10 days with no credit, check your registered bank account details on the portal. If details are correct, raise a grievance under e-File → Grievances → Submit Grievance. Helpline: 1800-103-0025.

How fast is CPC processing ITRs today?

Check live processing numbers - updated daily from the official portal.

Live Processing Stats →