How Can I Get TDS Refund?

If you’ve ever checked your payslip or bank statement and wondered why more tax was deducted than expected, you’re not alone. Many people end up paying extra TDS on salary, FD interest, freelance income, or rent without realizing that this money can easily be claimed back. 

Knowing how you can get a TDS refund helps you recover the extra tax you paid, avoid delays, and make sure every deduction shown in Form 26AS and AIS comes back to your bank account smoothly.

1. Check TDS Details in Form 26AS and AIS

Before claiming the refund, download your Form 26AS and AIS (Annual Information Statement).

• These show all TDS deducted by banks, employers, or other deductors.
• If the amount in 26AS matches your actual income data, you can safely claim the refund.

2. File Your Income Tax Return (ITR)

The only way to get a TDS refund is by filing your ITR for the relevant financial year. Inside the return form, enter your income, deductions, and the TDS already deducted. If your tax liability is lower than the TDS deducted, the difference becomes your refund automatically.

3. Verify Your ITR

Refund is processed only after you verify your ITR.
You can verify using:

• Aadhaar OTP
• Net banking
• Bank account EVC
• or by sending the physical ITR-V to CPC Bengaluru

4. Wait for Refund Credit

After processing, the refund is credited directly to your bank account linked to your PAN. Make sure your bank account is pre-validated and EVC-enabled on the e-filing portal.

5. Why Refund Delays Happen

Refunds get delayed if:

• TDS is not correctly reflected in Form 26AS
• Bank account is not validated
• ITR verification is pending
• ITR selected for manual review

Conclusion

Getting a TDS refund is straightforward, check 26AS, file ITR, verify, and wait for credit. As long as your TDS entries and income details match, the refund process is smooth. Keeping your bank details updated and filing on time ensures faster refund processing.