ITR 2026: Miss a Bank Account, Lose Your Refund?
When filing your ITR for AY 2026-27, you must list every bank account you held in FY 2025-26. Skipping even one can delay or block your tax refund — and may even trigger a defective return notice from the IT Department.
That forgotten salary account from 3 jobs ago could freeze your ₹15,000 tax refund this July.
Missing even 1 bank account in your ITR can block your refund completely
Key Takeaways
Log in to your net banking or visit your bank branch to confirm which accounts were active (non-dormant) in FY 2025-26 — list every single one.
Choose your primary salary or most-used account as the 'refund account' and double-check the IFSC code and account number before submitting.
If you have old accounts from previous employers, check their status — if not officially dormant, include them in the ITR to stay compliant.
When filing your ITR for AY 2026-27, you must list every bank account you held in FY 2025-26. Skipping even one can delay or block your tax refund — and may even trigger a defective return notice from the IT Department.
Here's what happened: ITR forms for AY 2026-27 require full disclosure of all Indian bank accounts active during FY 2025-26, except officially dormant ones.. The Income Tax Department uses your listed bank accounts to credit refunds — a missing or wrong account can stall the entire refund process.. Filing with incomplete bank details can result in a defective return notice under Section 139(9), forcing you to refile within 15 days..
What you should do: Log in to your net banking or visit your bank branch to confirm which accounts were active (non-dormant) in FY 2025-26 — list every single one.. Choose your primary salary or most-used account as the 'refund account' and double-check the IFSC code and account number before submitting.. If you have old accounts from previous employers, check their status — if not officially dormant, include them in the ITR to stay compliant..
Pre-validate your refund bank account on the Income Tax e-filing portal (incometax.gov.in) before filing — unvalidated accounts are rejected for refund credit even if listed correctly in the ITR.
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- [1]“ITR Filing AY 2026-27: Don't miss any bank account while filing your tax return. Here's why” mint - money · 19 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.