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Arshathul Afia
Arshathul Afia is a journalism graduate and fintech content writer with 4+ years of experience in digital publishing and research-led writing. She has written 200+ articles covering personal finance, lending, banking, digital payments, credit, insurance, and major financial developments in India. At LoansJagat, she focuses on simplifying complex fintech news, RBI updates, loan-related changes, policy developments, and industry trends for everyday readers. Her journalism background helps her approach stories with research, context, and clarity, while her SEO experience ensures content remains discoverable and relevant. She aims to make financial news easier to understand, practical, and useful for readers across India.
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FY 2025-26 returns uploaded by taxpayers should be rectified within 30 days, or the return gets invalidated, and refunds will not be released later.
The Income Tax Return for FY 2025-26 will not be considered complete until the portal issues an acknowledgment. The Income Tax Department e-Filing Portal states that the taxpayer has to substantiate the return within 30 days of the upload date. The rule will be applicable across India to all persons assessed for Assessment Year 2026-27, including employees, pensioners, investors, professionals and business ventures.
The department may not have received the taxpayer's final confirmation, which could prevent a refund. The difference in risk is larger the longer the time. The department may accept the date of the later verification date as the filing date if verification is completed after 30 days. Without return verification, the return may be deemed invalid, which could lead to a late fee, interest on unpaid tax, and/or limitations on filing tax promptly. FY 2025-26 returns are to be uploaded by taxpayers and verified within 30 days of uploading, or else the return can be deemed invalid, and the refund can be held back.
Also Read: Income Tax Notice To Deceased Person Can Be Void Under Section 148, Legal Heirs Must Act Fast
The trap is very easy to miss. The taxpayer uploads the tax return, fetches an acknowledgement, and exits the portal. The bank account has not been refunded after a week. The taxpayer revisits and sees “Pending for e-Verification”. There is nothing wrong with the refund claim at that time. The filing itself was unfinished.
The salaried person may be waiting for his refund of ₹24,000, and the owner of a shop may be expecting his shop-working capital loan to be returned. A "pending" status adds another obstacle since the filing is not complete.
Typically, verification will only take a few minutes. Many individual filers are able to use Aadhaar OTP. Net banking is another way. An Electronic Verification Code can also be generated at a pre-validated bank account or a demat account. Certain filers can use a Digital Signature Certificate. For those who do not like paper, the ITR-V can be e-filed and sent to CPC Bengaluru.
There is no penalty associated with a delay that falls within 30 days. This concern starts after that window closes.
Also Read: ITR Last Date 2026: July 31 Deadline Nears As Late Filers Risk ₹5,000 Penalty
Typically, tax advisers request client verification on the same day. Aadhaar OTP can get rejected if the mobile number mentioned in the Aadhaar is an old one. You cannot have a bank account pre-validated. The portal may slow down towards the end of the period. Allowing verification on day 29 allows the taxpayer little opportunity to correct these issues.
Direct is the safer sequence. Print the return and open the filed-return page, select “e-Verify Return,” and fill out one of the e-Verify methods provided. Check the status again. Completed – “Successfully e-Verified” or “Verified” are indicators of completion. The record should be stored with Form 16, AIS, Form 26AS, and a copy of the challan.
LoansJagat's borrower face view works here. The ITR verification guide provided by it offers all the recognized paths and elucidates why it's not sufficient to submit. A borrower must check first, and only then should the ITR be put in the loan file. When a return is due, it may result in an additional demand for Bank statements, Salary slips, or other income proof.
Having a verified return in place will help document the proof; however, the lender will check the income, EMIs, bank credit, and credit history.
The department offers separate relief to 3 situations. The original upload date is guaranteed until it is verified within 30 days. The official filing date will be changed to the day of verification after 30 days. If no verification, the return might not be valid.
If the person uses the physical (non-electronic) route, then the date that the CPC is received is used. If the signed ITR-V is submitted after the deadline to Bengaluru, posting it on day 29 will not prevent it from getting rejected.
The table below sets out the likely treatment in common cases.
*T&C Apply
Fee may be ₹1,000 or ₹5,000, based on income
The fee is not levied simply because the verification occurred a couple of days after uploading. Section 234F will apply where the recognised filing date is after the due date. It may be ₹1,000 if the total income is not more than ₹5,00,000, and for other applicable cases it may be ₹5,000. In addition, if tax is not paid, then there is a possibility of Section 234A interest.
There are certain types of business and capital losses that may only be carried forward in the year the return is filed.
The department may process a return if verification is provided. Until then, these normal checks of income, TDS, tax paid, deductions, Bank details, and claims for refund cannot be done in the system.
A refund may take longer even if it's been verified. It can get stuck when the bank account has not been validated or is an older tax demand, or if there are mismatches in AIS.
A taxpayer might report income from salary but not include any interest on a savings account in their AIS. It's been verified, but an adjustment may occur during processing. Verification runs the file. Verification activates the file. Does not correct the figures within it.
Notification No. 5/2022, dated July 29, 2022, reduced the verification period from 120 days to 30 days for returns uploaded from August 1, 2022. Returns uploaded on or before July 31, 2022 continued under the older period.
Notification No. 2/2024, dated March 31, 2024, took effect from April 1, 2024. It restated the treatment of returns verified after 30 days and confirmed that the later date can become the date of furnishing. Some taxpayers still remember the older rule. It does not apply to an AY 2026-27 return.
Electronic verification itself is not new. A Press Information Bureau release dated September 10, 2015 described EVC-based verification as a step that reduced paper handling and helped quicker processing. The method became easier. The window later became shorter.
A taxpayer who has crossed 30 days can submit a condonation request through the portal. The request should explain why verification did not happen within time. A medical emergency, portal issue, or another genuine difficulty may be stated with records where available.
Submitting the request does not revive the return by itself. The competent income tax authority must accept the delay. Until then, the taxpayer should not assume the return has become valid.
The portal may also allow the filer to discard an unverified return and submit a fresh one. This route needs care. Discarding cannot be reversed, and a fresh return filed after the due date may be treated as belated. A refund claim, capital loss, business loss, or unpaid tax can make the decision harder.
Open the filed-return page and read the status. “Successfully e-Verified” means the verification step is complete. “Pending for e-Verification” means the return still needs action.
The Aadhaar-linked mobile number should work. The chosen bank account should be pre-validated where an EVC or refund is involved. Email and mobile details should also be current.
Anyone using ITR-V should track the envelope until delivery. A postal receipt alone does not help if CPC receives it late.
The uploading of ITR and filling of the ITR are 2 completely different acts in FY 2025-26. If a taxpayer has filed for AY 2026-27, they are required to confirm via an approved electronic process or by sending signed ITR-V to the CPC Bengaluru within 30 days of the filing of the said ITR.
Please do not consider the acknowledgement number as final proof. The truth will be found on the status page. There is a verified return, it can move for processing. An unverified one may cause a delay in the refund, alter the recognised filing date, and cause document checks during a loan or visa review.
If a person has not had the opportunity to review the case, condonation or refiling should be considered before proceeding further. A haste to correct one action can cause another error. It is usually more cost-effective to do this now rather than fix the record in the future.
The return may be treated as invalid. Late verification can also change the official filing date.
Yes, though the taxpayer may need condonation. Approval depends on the income tax authority.
No. The fee applies only when the recognised filing date falls after the relevant due date.
Aadhaar OTP is often the quickest for individuals with an active linked mobile number.
Yes. CPC Bengaluru must receive the signed form within the prescribed 30-day period.
A revised ITR may stay e-verified for several weeks while the department completes its checks before processing.
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