From March 2019 onwards, income tax refunds will only be credited to bank accounts that are pre-validated in the e-filing portal. Only pre-validated accounts can be used in the income-tax return while e-filing.
Effective from 1st March 2019, the income tax refunds will be credited only to bank accounts (savings/current/cash/OD) which are linked to PAN. If your PAN is not yet linked with your bank account, you must provide the details of the same to your bank branch to get an Income Tax refund.
If your bank is integrated with the e-filing portal, pre-validation can be done directly through EVC (Electronic Verification Code) and net-banking route.
On the other hand, if your bank account is not integrated with the e-filing portal, then the income tax department will validate the bank account itself from the details filled up by you.
Now you understood the importance of Pre-Validate Bank Account to receive Income Tax Refund.
1. PAN shall be linked to Bank account.
2. The mobile number shall be linked to Bank account.
3. Name in bank account shall match the name in income-tax records.
There are two ways through which you can Pre-Validate Bank Account to receive Income Tax Refund. They are as below.
However, if your account is already validated, then if you login to e-filing portal and click on Profile>Prevalidate your Bank Account then you will find the status as it is “Validated”. Hence, I suggest you to first check whether it is validated or not.
EPF Scheme 2026 explained fully: EPF withdrawal, EPS pension, and EDLI insurance changes with examples,…
Chasing financial freedom? Do health, time, relationships and contentment matter just as much? Sadly, we…
Your "safe" SIPs, SGBs, PPF, or Index Funds are secretly sabotaging your wealth. Peltzman Effect…
Thinking your retirement plan is foolproof? Why LUCK - not asset or fund selection or…
Nifty 50 Index Funds Vs Active Large Cap Funds — Can we really compare them…
Should you pick Nifty 500 Multicap 50:25:25, Nifty 500, or Nifty LargeMidcap 250 Index Fund?…
View Comments
My ITR has been processed on feb 5th 2021 but refund not sent to the refund banker even a month later. I found out about the requirement to pre-validate and I pre-validated my account successfully today. Do I have to communicate in some way to IT that I have done pre-validation now? Could lack of pre-validation be the reason for not sending the refund to the refund banker?
I have filed the ITR for 20-21. Status is showing Return is in progress and I have also prevalidate my account number and now Its showing my account is validated. But Still I am not able to Enable EVC. If the status is in Validated means will I get the refund?
Dear Abhay,
If the status is validated, then I don't think there are any issues.
Dear sir
my refund could not be deposited saying that PAN details not matching however which is not the case so they have asked copy of pan,bank pass book through mail which i have forwarded .I have been told to prevalidate the account which i have tried no of times but it is showing that due to technical erros pre-validation failed,Please suggest me what to do.
Dear Bhanu,
Approach the bank.
Dear Sir,
My name is M.D.CHANDRA MOHAN. Got an email from cpc for refund failure either due to
1) PAN not linked to bank account
2) Name in bank account not as per PAN
My PAN is already linked. As for my name as per PAN is *Madiraju Doraswamy Raju Chandra Mohan*, but in bank account it is *M.D.Chandra Mohan*.
So is it mandatory for me to change my bank account name as per PAN, as previous years of filing my refund has been on this name itself as per bank name. First time facing this issue.
Also my SBI bank account is already prevalidated. Kindly advise.
Dear Chandra,
If the validation is done and earlier refunds received, then you no need to change the name.
Hi, my axis bank account prevalidation is taking long time. Showing request submitted. There is no option to remove the same.
So parallel can I add my SBI Account instead.
axis bank is not integrated with income tax department so it takes long time.... you can add sbi which will be validated within minutes
Dear Bhanu,
Thanks for your inputs.
Dear Chandra,
Approach the bank or raise an issue with them.
Is it necessary for just the PAN to be registered with the Banker or the Aadhar card also needs to be registered on the bank account?? I have ICICI account linked with PAN already and activated too but refund failed. It is not linked with Aadhar card.
Dear Bijay,
Better link Aadhaar too.
Sir, I have filed my return with Axis Bank Account in my ITR for refund credit, but the account is not getting validated and still showing the request submitted. then I have pre-validated my Indian Overseas Bank account, and it is accepted. But I didn't receive a refund. what should I do?
Dear Thejeswar,
Wait for the process.
I have filed the ITR for 20-21. Status is showing Return is in progress. When I tried to prevalidate my account from IT site its failed because pan and accound name mismatch. So I did that from net banking. Now Its showing my account is validated. But Still I am not able to Enable EVC. If the status is in Validated means will I get the refund?
Dear Saravana,
Yes.
I have prevalidated my bank account(02/06/2020) after IT return filing (revised-17/04/2020)for the year 2019- 20 and it is showing Validated and EVC enabled.This activity is sufficient to get my refund or anything i have to do further.
Dear Senthil,
This much is sufficient.
Thank You
My bank account says" Validated "on the IT site, is that enough to get the refund? Or should it also say "Validated and EVC enabledd" ?
Is just VALIDATED enough for the refund?
Dear TJ,
Enough and update validated and EVC enabled also.
Hi Sir,
I submitted to pre-validate my bank account twice through the e-filing approach. But whenever I login to see the status, the page takes me to log a new request everytime and I can't even see the status for my previous requests. I don't even know whether the request is failed, if yes then for what reason. It also do not show up in the failed bank list. What should I do?
Dear Nishantkumar,
Approach the bank.
Sir I have filed my ITR first with my SBI account but I remove my sbi pre validated account and I put my ICICI account for refund and it's showing validated. So will my refund will be be credited in icici account . I want my refund to credited in my icici account
Dear Sunand,
Yes, it will be credited to ICICI Bank.