How to Correct Bank Account Details After Filing ITR
- Rajesh Kumar Kar
- Nov 19, 2025
- 9 min read
Incorrect or outdated bank account details can delay or even block income tax refunds. Fortunately, the Income Tax Department allows taxpayers to correct or update their bank information after filing their ITR. Using the e-filing portal, one can revalidate, update, or nominate a new account linked with PAN to ensure refunds are credited seamlessly. The process is entirely online and can be completed before the return is processed.
Table of Contents
Why Correcting Bank Account Details After ITR Filing Is Important
Step-by-Step Process to Correct Bank Account Details After Filing ITR
How to Add and Validate Multiple Bank Accounts for ITR Refunds
Is It Mandatory to Link Bank Account with PAN for Tax Refunds?
Role of TaxBuddy in Simplifying ITR Filing and Account Corrections
Why Correcting Bank Account Details After ITR Filing Is Important
Incorrect or outdated bank account details can lead to refund failures, unnecessary delays, or refund rejections after filing your Income Tax Return (ITR). The income tax department only credits refunds to pre-validated and PAN-linked bank accounts. If the account information entered during filing is incorrect or inactive, the refund process will be halted until the details are corrected. Additionally, incorrect details may cause discrepancies in the refund record visible in Form 26AS or AIS, leading to compliance issues later. Ensuring your bank information is accurate helps maintain transparency and avoids repeated refund reissue requests or manual interventions.
Step-by-Step Process to Correct Bank Account Details After Filing ITR
The Income Tax Department allows taxpayers to correct or update their bank account details online through the official e-filing portal. Here’s how the process works:
Login to the Income Tax e-Filing Portal
Visit incometax.gov.in and log in using your PAN, password, and OTP sent to your registered contact details.
Access the ‘My Bank Accounts’ Section
Go to the ‘My Account’ tab and click on ‘My Bank Accounts’. This section displays all bank accounts currently linked to your PAN.
Update or Revalidate Bank Account Details
If you find any errors in your bank account number, IFSC code, or other information, select that account and choose the ‘Revalidate’ option. Enter the corrected details and submit them for verification. You can also remove any inactive or closed accounts to prevent refund issues.
Add a New Bank Account and Nominate for Refund
To add a new account, select ‘Add Bank Account’, fill in the required information, and validate it online. After validation, nominate this account for your tax refund. Multiple accounts can be added, but only one should be nominated for refund credit.
Use the Service Request for ‘Change ITR Form Particulars’
If your return has been filed but not processed yet, you can still request corrections. Go to ‘My Account’ > ‘Service Request’ > ‘New Request’ > ‘Request Category’ > select ‘Change ITR Form Particulars’. Enter your ITR Acknowledgment Number, specify the changes in bank details, and submit the request.
Track Status and Confirmation of Changes
Once submitted, track the progress in ‘Service Request’ under ‘View Request’. After verification, the new or corrected bank details will reflect in your account, ensuring your refund is processed correctly.
Key Points to Remember While Updating Bank Account Details
Only bank accounts linked with your PAN can be validated for refund processing.
The mobile number and email ID registered with your bank must match those on the e-filing portal for successful validation.
If the contact details differ, update them either at the bank or on the portal before revalidating.
Ensure that your nominated refund account is active and capable of receiving electronic transfers.
Always verify that the account type (savings, current, etc.) and IFSC are entered correctly.
Correction requests should be made before the ITR is processed by the department.
Common Scenarios That Require Bank Account Correction
Bank Account Mergers or Number Changes
When banks merge or restructure, account numbers and IFSC codes often change. In such cases, the refund will not be credited unless the updated details are validated on the portal.
Incorrect IFSC or Account Number During ITR Filing
Even a minor typing error can lead to refund rejection. Always double-check the details entered during filing and correct them immediately if an error is detected.
Account Deactivation or Closure
If your bank account has been closed after filing, update the portal with an active account before the refund is issued. You can also remove the inactive account to prevent confusion in future filings.
How to Add and Validate Multiple Bank Accounts for ITR Refunds
Taxpayers can add more than one bank account on the e-filing portal and validate them individually. Once validated, any of these accounts can be nominated for receiving refunds. The validation process typically involves verifying PAN linkage and confirming account ownership through a small test transaction or direct verification by the bank. Having multiple validated accounts ensures flexibility and avoids refund issues if one account becomes inactive or faces technical problems during refund credit.
Is It Mandatory to Link Bank Account with PAN for Tax Refunds?
Yes, linking your bank account with your PAN is mandatory for receiving any income tax refund. The Income Tax Department uses this linkage to verify the ownership of the bank account and prevent fraudulent refunds. Refunds will not be processed or credited to unlinked accounts under any circumstances. Therefore, always ensure your bank account is PAN-linked, validated, and nominated correctly before filing or updating your ITR.
Troubleshooting Refund Delays After Bank Account Changes
If your refund has not been credited after updating bank details, verify the status under ‘View Filed Returns’ or ‘Refund/Demand Status’ on the portal. Delays can occur if revalidation is still in progress or if the department has not yet processed your change request. Check that the account is pre-validated and nominated for refund credit. You can also cross-check the refund status in Form 26AS or AIS to confirm whether it has been issued. In case of rejection, submit a refund reissue request after ensuring all account details are correct.
Role of TaxBuddy in Simplifying ITR Filing and Account Corrections
TaxBuddy simplifies the ITR filing and correction process by offering guided, AI-driven assistance. It helps users ensure their bank details, personal information, and financial data are accurate before submission, reducing refund delays or compliance mismatches. Through its user-friendly mobile app and expert-assisted plans, taxpayers can easily file returns, make corrections, and track refund status without confusion. TaxBuddy’s experts also help handle refund reissues or portal validation issues promptly, making the entire process stress-free and reliable.
Conclusion
Correct bank account details are essential for smooth and timely receipt of income tax refunds. The Income Tax Department’s e-filing portal allows easy correction and validation of bank information, ensuring that refunds are credited without delay. Using a trusted platform like TaxBuddy can make this process seamless by offering expert guidance and automated accuracy checks. For anyone looking for assistance in tax filing, it is highly recommended to TaxBuddy mobile app for a simplified, secure, and hassle-free experience.
FAQs
Q1. Does TaxBuddy offer both self-filing and expert-assisted plans for ITR filing, or only expert-assisted options?
TaxBuddy offers both self-filing and expert-assisted ITR filing options to cater to different user preferences. The self-filing plan uses an AI-driven interface that automatically reads data from Form 16, PAN, and AIS/TIS, guiding users through every step of the filing process. It is designed for those comfortable with online filing but still want automated accuracy checks. The expert-assisted plan, on the other hand, connects users with qualified tax professionals who manually verify details, apply the right deductions, and ensure compliance before submission. This dual offering provides flexibility, ensuring both tech-savvy individuals and those seeking professional support can file confidently.
Q2. Which is the best site to file ITR?
The best platform to file your Income Tax Return depends on your needs. The official Income Tax Department’s e-filing portal is the designated government platform and is suitable for taxpayers familiar with manual inputs and form structures. However, if you prefer a simpler, more guided experience, private e-filing platforms like TaxBuddy stand out. TaxBuddy integrates automation, AI-based accuracy checks, and real-time expert support to make filing faster and error-free. It eliminates the need for manual calculations, ensures deductions are applied correctly, and helps prevent mismatches in AIS, TIS, or Form 26AS data.
Q3. Where to file an income tax return? An income tax return can be filed in two main ways — directly through the Income Tax Department’s official e-filing portal atwww.incometax.gov.in or through a trusted third-party platform like TaxBuddy. While the government portal requires taxpayers to input and verify all data manually, TaxBuddy simplifies the process by fetching financial information automatically and applying AI-based validations. It also provides expert-assisted services for complex cases such as capital gains, NRI income, or business filings. Filing through TaxBuddy ensures accuracy, faster turnaround, and post-filing support for notices, if any arise.
Q4. Can bank account details be changed after filing ITR? Yes, taxpayers can change or correct their bank account details after filing their ITR, provided the return has not yet been processed by the Income Tax Department. The correction can be made through the e-filing portal by submitting a service request under ‘Change ITR Form Particulars.’ This allows taxpayers to revalidate or update incorrect bank account numbers, IFSC codes, or nominate a new account for refund credit. If the return has already been processed, a refund reissue request can be made after updating and validating the correct bank details.
Q5. How long does it take for updated bank details to reflect for refunds? Once the updated or corrected bank details are submitted and validated on the e-filing portal, they typically reflect within 2–7 working days. The validation is carried out through a secure process involving bank confirmation and PAN linkage checks. If all credentials match, the status changes to “Validated and Active.” After that, refunds can be credited to the newly nominated account without delay. However, in cases of validation mismatch or discrepancies between the bank and portal details, the process may take longer until corrections are made.
Q6. What happens if incorrect bank details are mentioned during filing? If incorrect bank details — such as a wrong account number or IFSC code — are mentioned in the ITR, the refund may fail or be returned to the Income Tax Department. The taxpayer will then receive an intimation about the refund failure, prompting them to correct the details. In such cases, the taxpayer must log in to the e-filing portal, update and validate the correct bank account, and submit a refund reissue request. Failing to update these details can lead to unnecessary delays or refund forfeiture if left unresolved for long periods.
Q7. Can refunds be credited to a joint bank account? Yes, refunds can be credited to a joint bank account as long as the account is linked with the taxpayer’s PAN and successfully pre-validated on the e-filing portal. However, it’s recommended that the taxpayer be the primary account holder to prevent ownership verification issues during validation. The joint account must be active, correctly entered, and capable of receiving electronic transfers through NEFT or ECS. If the joint account fails validation due to a mismatch, an alternative individual account should be added and nominated for refunds.
Q8. Is it necessary to have the same mobile number for the bank and the portal? Yes, having the same mobile number registered with both the bank and the income tax portal ensures smooth validation and communication. The Income Tax Department uses this number to send OTPs for account verification, refund updates, and validation alerts. If the mobile number differs, the validation process may fail, resulting in delayed refunds. Therefore, before initiating revalidation or account changes, taxpayers should confirm that the registered contact details with the bank and income tax portal are consistent and active.
Q9. Can multiple bank accounts be nominated for refunds? Taxpayers can add and validate multiple bank accounts under their PAN profile on the e-filing portal. However, only one bank account can be nominated at a time for receiving income tax refunds. This rule helps ensure clarity in refund processing and prevents duplication. Other validated accounts remain available as backups. If the nominated account becomes inactive, the taxpayer can easily update the nomination to another validated account without re-filing their ITR. This flexibility ensures uninterrupted refund credit even in case of bank changes or account closures.
Q10. What if the bank account was closed after filing? If the bank account used for filing ITR has been closed after submission, the taxpayer must add a new active account through the ‘My Bank Accounts’ section on the e-filing portal. After entering the new account details, it should be validated and nominated for refund credit. The closed account can then be deleted from the portal to avoid confusion. If the refund was already issued to the closed account, the taxpayer can raise a refund reissue request once the new account is validated. This ensures the refund is redirected correctly without any manual intervention.
Q11. Is PAN linking mandatory for refund credit? Yes, linking a bank account with your PAN is mandatory for any refund to be processed. The Income Tax Department uses PAN linkage to confirm the taxpayer’s ownership of the account and prevent fraudulent transactions. Refunds will not be credited to accounts that are not PAN-verified or pre-validated. Additionally, the name on the bank account must match the name as per the PAN record. Taxpayers should verify this linkage well before filing their ITR to ensure a smooth refund experience.
Q12. Can TaxBuddy assist with bank account correction issues? Yes, TaxBuddy provides complete support for bank account correction and refund reissue processes. Through its platform, taxpayers can easily update their bank details, validate accounts, and track refund progress without navigating complex portal menus. For users facing refund rejections or validation failures, TaxBuddy’s expert-assisted plans offer one-on-one guidance to resolve issues directly with the Income Tax Department’s system. The platform ensures every ITR filing and post-filing correction is handled accurately, allowing users to receive refunds faster and with minimal effort.
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