How do I claim a TDS refund?

⚡ Short answerIf more TDS was deducted than your actual tax liability, you claim the excess back by filing your income-tax return. Report all income and the TDS shown in Form 26AS/AIS, compute your real tax, and the difference becomes your refund. After you e-verify the ITR, the refund is credited to your pre-validated bank account, usually within 7–30 days.

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When TDS refunds arise

Common cases: TDS on fixed-deposit interest when your income is below the taxable limit (file Form 15G/15H to avoid it next time), TDS on salary higher than your final liability, or TDS on property sale exceeding the actual capital-gains tax.

How to claim

File the correct ITR, match TDS to Form 26AS, pre-validate your bank account, and e-verify. Track the status on the income-tax portal. The department pays Section 244A interest if the refund is delayed beyond the normal period.

Related questions

Can I get a TDS refund without filing ITR?

Generally no — filing an income-tax return is the mechanism to claim a TDS refund. For future interest income below the limit, submit Form 15G/15H to the bank so TDS isn't deducted at all.

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General information for AY 2026-27, not professional advice. Rules change with each Finance Act / notification and depend on your facts — verify with a licensed CA or advocate before acting.