I'm hoping someone can share their experience with claiming a TDS refund through an Income Tax Return (ITR).
I'm an NRI living in Dubai and had TDS deducted on the interest earned from my NRO fixed deposits in India during FY 2025–26. After calculating my total taxable income, it looks like the TDS deducted is higher than the tax I actually owe. From what I understand, I may be able to claim the excess amount as a refund by filing an ITR.
I've already downloaded Form 26AS, checked my AIS, and the TDS entries appear correctly. My PAN is active, and my bank account has been pre-validated on the Income Tax e-Filing portal for refunds.
Before I submit my return, I wanted to hear from others who have gone through this process.
I understand every tax situation is different, but hearing about recent experiences would really help.
I'm an NRI, and I had excess TDS deducted on rental income. My CA advised me to reconcile AIS, Form 26AS, and the actual TDS certificates before filing. One entry was missing initially because the deductor filed a correction later, so I'm glad I checked everything before submitting my return.
I received a TDS refund last year. Before filing, I checked that all the TDS entries in Form 26AS matched my bank's TDS certificate. I filed my ITR with the correct bank account details and completed e-verification the same day. The refund was credited after my return was processed. I didn't have to submit a separate refund request.
I claimed a refund on excess TDS deducted from my salary a couple of years ago.
The refund wasn't immediate. My return was processed first, and then the refund was issued separately a few days later.
One suggestion is to double-check that your bank account is still validated for refunds. A friend of mine had their refund delayed because the account validation had expired after changing bank details.
Other than that, the process was fairly straightforward as long as all the information matched the tax records.
I'm based in Canada and receive rental income from India.
Every year, tenants deduct TDS before transferring the rent. When I file my ITR, I reconcile those TDS credits with Form 26AS and AIS before submitting the return.
One year, one of the TDS entries hadn't yet been reflected in Form 26AS when I was preparing my return. I waited until it appeared because I didn't want a mismatch.
My refund came through without any issues after the return was processed. Since then, I've always checked that every TDS entry is visible before filing.
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One thing I'd suggest is making sure your bank account is pre-validated on the Income Tax portal. A friend of mine had a delay because the refund account wasn't validated. Also, don't forget to e-verify your ITR after filing, or it won't be processed until verification is completed.