Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Sep 20, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by kamal on Aug 22, 2023Hindi

Money

sir i have filled my IT return for fy 22-23 succcessfully but not recd it refund

Ans: •Generally, it takes 20 to 45 days for the refund to reach you after filing and verifying your ITR. But there could be multiple reasons that you have not received a refund.

•Firstly, you have to check whether the Income Tax Department has processed your ITR. You will get a refund only after your income tax return is processed. You can check the status of your ITR on the e-filing website of the Income Tax Department.

•To get an ITR refund, your bank account should be pre-validated. In case the bank account is not pre-validated, you will not receive a refund.

•E-verify your income tax return to get a refund. As per the latest rules, you need to verify your ITR within 30 days of filing it. So, if you haven't e-verified your return, you will not be eligible for an ITR refund.

•Your income tax refund can also be delayed if you have any outstanding demand pending from the previous financial year. If there is any outstanding demand pending, then your income tax refund will be adjusted against that demand.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

MoneyReply

You may like to see similar questions and answers below

Mihir Tanna |1095 Answers |Ask -Follow

Tax Expert - Answered on Apr 28, 2023

Question by PRAVEEN - Apr 27, 2023Hindi

Money

Dear Anil, My IT Returns were filled twice last year due to error in the amount of Refund due to me. The IT department initially refunded the amount due as per the revised Returns, however after some time, to my surprise they again refunded the balance amount as per the original Return. Please guide me to return the excess amount back to the IT department. Thankyou, Warm Regards.

Ans: It is likely that refund is granted to you as required details are not shown correctly in Income Tax Return. Thus, it advisable to take help of tax consultant, identify the reason for wrong refund and file rectification application with Jurisdictional assessing officer.

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Sep 20, 2023

Question by Durgesh - Aug 09, 2023Hindi

Money

Dear Sir I have filled ITR and there is refund 15003 I filled ITR on 02 July and did not E-verified due to Pan Card Blocked by Govt so after file ITR i sent its signed copy to Bangalore on 3 July that showing verified on 10 Aug and i Have paid 1000 on 12 Aug to link pan card and Aadhar card and got linked then i received mail on 12 Aug evening to E-verify return but there was no option to E-verify return . today is 09-08-2023 but we have not received refund yet Please suggest right process 2-3 days back i have complained in grievance of ITR .Please suggest right process . status on Dashboard showing Return Filed on 2 july and Return verified on 10 July only .....

Ans: ITRs can be filed without having the Aadhar-PAN link completed; however, such ITR filings would render the user ineligible to avail refunds and interest on such tax refunds till the time PAN is linked with Aadhar.
• After e-filing your return, you must verify it. Your return filing process is not complete unless you do so.
• The timeline for e-verification of returns filed after 1st August 2022 is 30 days from the date of submitting the return.
• As per the IT department, if the ITR filed is verified (electronically or by sending ITR-V to ITD) before the time limit of 30 days, then the date on which the return was filed will be considered as the date of furnishing ITR.
• In the offline verification case, the speed post-dispatch date of the duly verified ITR-V will be taken into account to determine the 30-day period starting from the day the income tax return was electronically transmitted.
As per the data provided by you, your return has been verified within the timeline of 30 days. Normally, it takes 20-45 days for the refund to reach you after filing and verifying your ITR but your Aadhar and PAN got linked on 12th August. The delay in refund is due to it.

We suggest you wait for some more time and regularly check the “My Pending Action option” in your income tax account portal.

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Aug 25, 2023

Question by Litton - Aug 13, 2023Hindi

Money

I filed my IT return on 23rd May and it got processed on 23rd June but still i have not got regund

Ans: Hello, do check if the bank account mentioned is correct
Also you can raise a refund reissue request on the website itself

Vivek Lala |323 Answers |Ask -Follow

Tax, MF Expert - Answered on Aug 25, 2023

Question by P - Aug 25, 2023Hindi

Money

Sir, i have filed my IT return on 8th July 23 and there was a refund due to me. But till date i have not received any intination of ITR bieng processed, What should i do now?

Ans: Hello, do check if the verification is done. If that's done then the time period of refund depends from 2 weeks to 3 months. Be patient as it will be processed soon

Mihir Tanna |1095 Answers |Ask -Follow

Tax Expert - Answered on Oct 19, 2023

Question by Vivek - Oct 05, 2023Hindi

Money

I have filed my IT return wherein 20000/- is to be refunded. But the refund not yet received since 2 months have been passed.

Ans: Please check if bank account is validated and available for refund (not restricted). Also check if any old demand is outstanding and return is processed with refund.

Latest Questions

Dr Dipankar Dutta |1849 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 03, 2026

Asked by Anonymous - Feb 03, 2026Hindi

Career

What are the other option available other than jee mains and advanced .I am from Assam

Ans: Are you asking about Engineering?

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 06, 2026Hindi

Relationship

I am ready to stand against my parents for the boy I love, but he isn’t willing to stand up to his family. We are both Hindus but our customs, language and rituals are very different from each other. Since the time we started dating, I have tried to give up on my choices for the sake of our happiness. He proposed to me last year after dating for 12 years. I said yes. Now he wants me to convince his parents. He is 29, the eldest son of the family but he feels his parents will not agree for our marriage. His entire family is against us. His mother won't even look at me, forget sit down and talk. I told him we'll have a court marriage and live separate but he wants me to convince his family. If he doesn't take responsibility now, how can I expect him to stand up for me in the future?

Ans: Dear Anonymous,
Are you serious? He happily got into a relationship with you BUT now wants to hide when it's time to talk to his parents.
He's 29 and as a mature adult you must learn to understand that until marriage it's his responsibility to not just talk to his parents but also find a way to make you and his parents meet.
Instead, he chooses to hide or he's scared? Do push him gently into his responsibilities and if you catch him delaying talking to his parents, then understand that he has a personality that avoids conflicts especially with his parents. Do imagine what it can be for you once you are married into that house.
Have an honest chat with him; love is not always roses and candles...straight and honest talk is always better before taking that big step.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 02, 2026Hindi

Relationship

I don't share secrets with my husband any more. Though we were friends when we were dating, I've noticed he takes me for granted since we got married. He used to take so much more interest in talking and getting to know me. Now I’ve started keeping parts of my life, thoughts, and feelings to myself because I feel sharing it with him is pointless. Not because my partner is unkind, but because I don’t feel understood anymore. Why do men take their girlfriends seriously and wives for granted?

Ans: Dear Anonymous,
The courtship phase is far from the marriage phase. During courtship, certain parts of the self go hidden in the eagerness of impressing the other person. Now, this usually is done unknowingly BUT when realoty hits, it feels like you have been cheated.
Instead of feeling disappointed and assuming that you need to do the worst, why don't you create situations where you start sharing by saying: "I would love for you to hear this..." OR "It means a lot when I feel heard..."

Roadblocks aren't the end of the world; you just learn to navigate around it to walk on a clear path.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Anu Krishna |1765 Answers |Ask -Follow

Relationships Expert, Mind Coach - Answered on Feb 03, 2026

Asked by Anonymous - Jan 07, 2026Hindi

Relationship

My daughter got married 6 months ago, that is in July, completely arranged marriage, both agreed happily. Now the problem is, my son in law is not touching her since first day, sleeping separately by keeping a pillow between them. Once he said to my daughter that he is not interested in marriage, career oriented, we all shocked. He could have said at the time of interview itself. Now he is saying that he wants to correct himself and taking couple therapy sessions. Now my question is, is this problem common or very rare? Will therapy useful? We are all including his parents are very much worried about our daughter's future, how long should we wait for his recovery? Please answer.

Ans: Dear Anonymous,
I do understand that you are worried for your daughter. Yes, your son-in-law could have stated it clearly during the initial meetings that he wants to focus on his career. But...
But I do believe Couples Therapy can help break the wall between the couple; hopefully if the therapist helps your son-in-law with what exactly is bothering him.
Let them go through a couple of sessions and then you can talk to your daughter on whether there is any change in their connection or not.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Mihir Tanna |1095 Answers |Ask -Follow

Tax Expert - Answered on Feb 03, 2026

Question by Rabindran - Feb 01, 2026Hindi

Money

In today's Budget is there any change in the taxation of LTCG on sale of immovable property

Ans: No change in it.

Patrick Dsouza |1443 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Feb 03, 2026

Asked by Anonymous - Jan 31, 2026Hindi

Career

I am a B pharm Graduate (batch 2024) from MET Bhujbal knowledge City but after my completion of B pharm, I didn't get any industrial experience or good job. even seems like I lost interest in pharma field but i want to pursue MBA and want to settle in abroad, can you please recommend me countries which accepts MBA in Healthcare graduates from India. Even MBA in helathcare is better or Pharma MBA............even suggestion of course which can create interest are most welcomed because i completely lost my interest to work with pharmaceutical companies. moreover, I am doing medical coding course right now how can that course be helpful for me, are there any aboard opportunities in medical coding ?

Ans: If you want to settle abroad, it would be advisable to do MBA from abroad. Identify the country you want to settle and check the courses available in that country that suits you. In India you can do Healthcare MBA or Pharma MBA from colleges like TISS, GIM, NMIMS, etc. You will have to write entrance exams for the same.

Patrick Dsouza |1443 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Feb 03, 2026

Question by sundram - Feb 03, 2026Hindi

Career

My brother did mbbs from Kyrgyzstan but he didn’t pass fmge so can he do MBA in pharmaceutical management he did 12th and then he went Kyrgyzstan he haven’t any graduate digree from India he have 10th 12th and mbbs digree from osh state university Kyrgyzstan can he do MBA

Ans: He can do MBA from India. To do MBA from India you need nothave degree from India. You can apply as foreign student. Ensure your international degree is recognized by the Association of Indian Universities (AIU) if applying to certain public institutions, though most top private business schools recognize accredited international degrees. You will have to write entrance tests like CAT / GMAT ...

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by sarvothama - Jan 06, 2026Hindi

Money

sir, I am 28 year old Engineer working in IT field for 6 years. Recently married and my wife is also working in a IT Company. I have started investment in MF since my first salary and at present total the corpus is 15 L and my present SIP amount is 60K. In addition I am having 6L in PPF, 8L in Bank FD, 15L PLI and 5L Health Policy. My parents are well settled. My portfolio is as given below. 1. ICICI Prud. NASDAQ - 3K 2. Parag Parikh Flexi Cap - 10K 3. Quant ELSS - 7K 4. HDFC Retirement Saving - 10K 5. Kotak Mid Cap - 6K 6. SBI Focused Equity - 8K 7. Bandhan Small Cap - 8K 8. Nippon India Multi Asset - 8K My investment time horizon is 20+ years. Please review and suggest changes required if any. With Thanks & Regards, S. Salvankar

Ans: Hi Sarvothama,

You are doing great with your iverall investments at such age. Early investment really helps you in the long run. Let us analyse everything in detail:
1. Make sure to have ample emrgency fund in FD or liquid funds.
2. You should have proper term insurance and health insurance for yourself and family. As your spouse is working, she should also have an independent term insurance.
3. 8 lakhs in FD - can be treated as your emergency fund.
4. 6 lakhs in PPF - not recommended as a=you must have your EPF being an IT Professional. PPF is just like EPF, hence make minimum contributions to keep the account active and close it when 15 years tenure is over.
5. Health policy - 5 lakhs >> insufficient keeping in mind rising medical costs. Increase it to a minimum of 25 lakhs family floater for yourself and spouse.
6. 15 lakhs PLI - continue.
7. 15 lakhs + 60k monthly SIP in mutual funds. Very good and you should continue. However, the funds chosen are not exactly great. Entire allocation needs a proper plan in alignment to your profile and long term goal. It is better to work with a professional to choose better funds for your 20+ years goal.
I will not recommend continuing your SIPs in - Quant ELSS, HDFC Retirement Savings, Nippon multi asset and Focused Equity fund.

Hence overall reallocation and distribution in required here.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by Ashish - Jan 23, 2026Hindi

Money

Sir, I am a 44 years old male and have made following investments in Mutual Funds, which are as follows, please let me know if it is good to go: DSP India T.I.G.E.R. (The Infrastructure Growth and Economic Reforms Fund) Direct Growth (Rs. 1,000) Nippon India Small Cap Fund Direct Growth (Rs. 1,500) Axis Silver FoF Direct Growth (Rs. 1,000) LIC MF Gold ETF FoF Direct Growth (Rs. 1,000) Parag Parikh Flexi Cap Fund Direct Growth (Rs. 1,000) Motilal Oswal Midcap Fund Direct Growth (Rs. 500) SBI PSU Direct Plan Growth (lumpsum - Rs. 7,000) Aditya Birla Sun Life PSU Equity Fund Direct Growth (lumpsum - Rs. 6,000) I urge you to review my above portfolio as a whole and thereafter appropriately guide me whether I need to switch any of the above SIPs or stay invested as it is, particularly I am more worried about ‘Nippon India Small Cap Fund Direct Growth’ (keeping in consideration that my SIP becomes more than 1.5 years old with this Fund), it has generated negative returns more often, which now becomes my cause of concern, as a result sometimes I felt that I had invested in a wrong fund. My intent for the above investment is to create sufficient wealth, till the time of my retirement. Now, I seek your valuable guidance over the above, enabling me to reach to a decision. Thanks & regards, Ashish

Ans: Hi Ashish,

You have long 16 years till your retirement and proper guided investment can do wonders with your monthly SIPs.
Your concern regarding Nippon Small Cap fund is genuine but this is exactly how markets work. One cannot expect their money to double in an overnight. It needs patience and proper plan to generate even bare minimum of 12% annual return.

I see all the funds you invest in are direct funds. while direct funds are more preferred as they have lower expense ratio of about 0.5%, regular funds are better as they come with proper plan and guidance throughout.
Generating 2-4% returns in these types of direct funds v/s getting 12% return in regular funds - there is always an option.

However, continue with Nippon small cap, Parag Parikh Flexicap, and Motilal Oswal Midcap fund. Stop SIPs in other funds and work with a proper advisor to redirect these funds into better new funds.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |524 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Feb 03, 2026

Question by Srinivas - Jan 07, 2026Hindi

Money

My sip investment in sbi health care opportunities fund direct growth has given only 1.29%of growth even after 14months. Should I continue?

Ans: Hi Srinivas,

The fund you mentioned is a sectoral fund and these works like this only. It is not recommended to invest blindly in a random fund and lose your hard earned money.
Stop this SIP and consult a professional to start afresh. Go for a multi cap fund.

Or better work with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x