After filing your ITR if you do not get the refund because of the following errors:
- Restricted Refund
- PAN - Bank account - IFSC linkage failed
- Validation in Progress
- Validation in Progress not eligible for refund
then you must read the article and understand how to resolve the errors.
What is Restricted Refund On Income Tax Portal?
- Many tax filers are observing the status ' Restricted Refund ' in the bank account section (Dashboard > My Profile > Bank Account).
- To understand the reason for this status, click on the three dots and select ‘View Bank Account Details’.
- Now. refer to the 'Remarks' section.
- This status commonly appears due to a name mismatch between the PAN and bank records. It's crucial to have the same name on both documents.
- To resolve this, update either your PAN or bank name. Practically, updating name in bank records is a much faster process than updating it on PAN.
Common Bank Account Validation Errors on Income Tax Portal
| Error | Reasons | Solution |
| Restricted Refund | Name mismatch between the PAN & Bank | > Update either the name on PAN or bank. (PAN and Bank details must have same name) |
| PAN - Bank account - IFSC linkage failed | PAN not available with bank | > Contact branch to link your PAN with the bank account or update KYC > Submit re-validation request |
| Account number does not exist | Wrong account number entered | > Click Re-Validate > Enter the correct bank account number > Submit re-validation request |
| Invalid IFSC | In case of bank mergers, the IFSC code may change | > Click Re-Validate, > Enter the correct IFSC > Submit re-validation request |
| - Bank account closed / inactive - Zero balance / Inactive account - Litigated Account - Account frozen or blocked | Unusable bank account | > Click Re-Validate, > Try with a different bank account number. |
PAN - Bank account - IFSC linkage failed
When pre-validating a bank account, you are required to submit a pre-validate request. Once the request is submitted, then, your contact details, including PAN, are verified with the bank details. If the bank verifies the details, your bank account gets validated. In case your PAN is not found in the Bank’s database, you will see this error ‘PAN - Bank account - IFSC linkage failed’.
For instance, you opened a bank account solely based on your Aadhaar card during the e-KYC process without providing your PAN details. In that case, your PAN will not be verified by the bank. Therefore, you will have to update the KYC with the bank and add your PAN details. Then, re-validate your bank account on the Income Tax portal to resolve this error.
Validation in Progress
Bank Validation happens almost instantly on the Income Tax Portal. However, some people experience delays in validation, particularly with small banks or co-operative banks. Validation is faster for integrated banks. So try adding a bank account from the list of integrated banks for faster validation:
- Axis Bank
- Bank of Baroda
- Bank of India
- Bank of Maharashtra
- Canara Bank
- Central Bank of India
- City Union Bank
- Federal Bank
- HDFC Bank
- ICICI Bank
- IDBI Bank
- Indian Bank
- Indian Overseas Bank
- IndusInd Bank
- Jammu and Kashmir Bank
- Karur Vysya Bank
- Kotak Mahindra Bank
- Punjab National Bank
- Punjab & Sind Bank
- RBL Bank
- State Bank of India
- UCO BANK
- Union Bank of India