A refund can be perfectly computed but still not reach the taxpayer if the bank account is not validated/nominee-ready, the account details fail, a demand adjustment exists, or tax-credit data does not reconcile. The fix starts with portal status, not guesswork.
The official My Bank Account FAQ says only a validated bank account can be nominated to receive an income-tax refund. The refund reissue manual also shows that only validated bank accounts are shown for refund reissue selection.
| Portal symptom | Likely reason | Action |
|---|---|---|
| Refund failed / refund reissue available | Bank account failed, closed, not validated or not selected. | Pre-validate/revalidate account and raise refund reissue. |
| Refund adjusted against demand | Outstanding demand may have been set off. | Check demand/intimation, e-Proceedings and response route. |
| Refund lower than expected | TDS/TCS/challan mismatch or computation adjustment. | Use tax-credit mismatch and intimation reconciliation. |
| No refund status movement | Return processing/status issue. | Check ITR processing, e-verification and service-request options. |
This Finin2min article is drafted only from official/government source material. Re-check the live source before publishing if the law, form, threshold, section mapping or portal workflow has been updated.