Priyanka Personal Finance
Smart Paisa · Simple Baat · India
Smart Paisa · Simple Baat · India
Salary ya payment se zyada TDS kat gaya? Apni income, tax regime aur Form 16 / 26AS ka TDS daalein aur turant apna income tax refund aur kab milega, jaanein.
Sirf estimate · Tax advice nahi · FY 2025-26 (AY 2026-27) ki standard slab rates aur simplified rules · Actual refund aapke poore ITR aur 26AS par depend · CA se salah lein
A TDS refund arises when the tax deducted at source from your salary, interest or other payments is more than your actual income-tax liability for the year. When you file your ITR, the excess is refunded to your bank account. This happens a lot — for example when you didn't declare 80C/80D investments to your employer in time, or your bank deducted TDS on FD interest even though your total income is below the taxable limit.
Need to compute tax first? Use our Income Tax Calculator or TDS Calculator.
Your refund is the excess of TDS deducted over your actual income-tax liability. The tool computes tax on your taxable income (after the standard deduction and any eligible deductions) under your chosen regime, adds 4% cess, and subtracts it from the TDS already deducted.
After you file and e-verify your ITR, refunds are usually credited within about 2 to 8 weeks once the return is processed. Make sure your bank account is pre-validated and linked to your PAN to avoid delays.
Common reasons include a mismatch between your return and Form 26AS/AIS, an un-validated bank account, outstanding tax demand from a previous year adjusted against the refund, or claiming deductions the department disallows.
No. It is an estimate using standard slab rates and simplified rules. Your actual refund depends on the full return, all income heads, TDS in Form 26AS/AIS and departmental processing. Always verify with your ITR.