How Do I Get My Excess TDS Refund?
How Do I Get My Excess TDS Refund?
Complete Process for FY 2024–25 | AY 2025–26
If too much TDS (Tax Deducted at Source) has been deducted from your salary, bank interest, or any other payment, and your actual tax liability is lower, then you're eligible for a refund of the excess TDS.
A common question many taxpayers ask is:
"How do I get my excess TDS refunded?"
Let’s walk you through the entire process.
✅ What Is Excess TDS?
Excess TDS occurs when:
• Your total tax deducted is more than your actual tax liability
• You did not declare deductions (like 80C, 80D) to your employer or bank
• You filed Form 15G/15H late (for FD interest)
• Both employers deducted TDS in case of a job switch
• The bank deducted TDS on interest, but your total income is below the exemption limit
🛠️ How to Get a TDS Refund – Step-by-Step
🔹 Step 1: Check Your TDS Details in Form 26AS or AIS
1. Visit https://www.incometax.gov.in
2. Login → Go to “e-File > Income Tax Returns > View Form 26AS”
3. Alternatively, view AIS (Annual Information Statement) under Services
4. Confirm all TDS entries match with Form 16/16A
🔹 Step 2: File Your ITR Accurately
1. Choose the correct ITR form (usually ITR-1 or ITR-2)
2. Report total income (salary, FD interest, etc.)
3. Declare eligible deductions (80C, 80D, HRA, etc.)
4. Enter TDS details from Form 26AS
5. The system will calculate:
o Total tax liability
o TDS paid
o Refund due (if TDS > tax)
🔹 Step 3: E-Verify the ITR
• Use Aadhaar OTP, net banking, or EVC
• OR send ITR-V to CPC Bengaluru within 30 days (if not e-verified online)
💡 The refund process starts only after e-verification.
🔹 Step 4: Pre-Validate Your Bank Account
• Go to: Dashboard > My Profile > My Bank Account
• Add or pre-validate the bank account where the refund should be credited
• Ensure your PAN is linked to the account
🔹 Step 5: Wait for Refund Credit
• Refund is processed by CPC Bengaluru
• Usually takes 7–45 days after ITR is processed
• You will receive SMS/email from refunds@incometax.gov.in
🔍 How to Track Your TDS Refund Status?
• Go to: https://tin.tin.nsdl.com/oltas/refundstatuslogin.html
• Enter PAN and assessment year (e.g., AY 2025–26)
• OR Login to the Income Tax Portal → View Filed Returns → Refund Status
❗ What If Refund Is Delayed?
| Reason | What to Do |
| Invalid bank account | Update and request a refund reissue |
| PAN is not linked to a bank | Link PAN and re-validate |
| Processing delay | Raise a grievance via the e-Filing portal |
Final Words
Yes, you can get a refund of excess TDS by simply filing your ITR correctly and on time. Make sure your income, deductions, and TDS details match with Form 26AS/AIS to avoid errors and delays.
Our experts will help you claim your refund quickly and ensure your ITR reflects the correct tax credit.
👉 https://callmyca.com/tds-return-filing
