How to E-Verify ITR Through Net Banking

Quick Definitions

Get these four terms straight before you begin:

• Net-banking e-verification: A method of verifying an income tax return by accessing the Income Tax e-Filing portal through an eligible bank's net-banking service.
• EVC: Electronic Verification Code used for eligible verification actions on the Income Tax portal.
• Pre-validated bank account: A bank account whose details have been verified on the Income Tax e-Filing portal.
• Authorized bank: A bank that provides the required Income Tax e-Filing or e-verification service through net banking.

Can You E-Verify ITR Through Net Banking?

Yes, but only if you tick every box below:

• Your PAN is linked to your bank account.
• Net banking is active for that account.
• Your bank is currently authorized for the Income Tax e-Filing service.
• Your contact details meet the portal's eligibility requirements.
• Your ITR is filed and pending verification.

Prerequisites at a Glance

Gather these before you touch the portal. It keeps the whole process to a couple of minutes:

• PAN linked with your bank account
• Active net-banking credentials
• Filed ITR acknowledgement number
• Correct assessment year
• Registered mobile number and email address
• A bank that appears on the portal's net-banking list

How to E-Verify ITR Through Net Banking: The Official Flow

Ready to finish verification? Here's exactly how to e verify ITR through net banking, matching the official e-Filing portal flow step by step:

1. Go to the e-Filing portal and open the e-Verify page (Pre-login with PAN & OTP, or Post-login via e-File → Income Tax Return → e-Verify Return).
2. On the e-Verify page, select Through Net Banking and click Continue.
3. Select your bank from the list and click Continue.
4. Read the disclaimer carefully, then click Continue.
5. You'll be redirected to your bank's net-banking login page. Log in with your net-banking credentials.
6. Inside your bank's portal, click the link to log in to e-Filing. Your bank session ends and you're redirected back to the Income Tax portal.
7. On the e-Filing dashboard, locate the relevant ITR and click e-Verify.
8. Your return is e-verified instantly. No EVC is required for this direct route.

Three Bank-Linked Methods: Don't Mix Them Up

This is where most taxpayers get confused. There are three separate bank-linked routes:

• 1. Net Banking (Direct Route): Log in via bank, jump to e-Filing dashboard, click e-Verify. No code required.
• 2. EVC via Pre-validated Bank Account: EVC code is sent to registered mobile/email. Enter code on e-Filing portal.
• 3. Existing EVC: Enter an already generated EVC code (e.g., generated via ATM).

How to Generate EVC Through a Bank Account

A pre-validated, EVC-enabled bank account is a separate route where you don't log in through the bank's portal. Here is how it works:

1. Log in to the e-Filing portal and add your bank account under My Bank Account.
2. Submit it for pre-validation (takes ~24 hours).
3. Once validated and EVC enabled, go to e-Verify page & select Through Bank Account.
4. Enter the EVC received on your registered mobile/email to verify instantly.

How to E-Verify ITR Through ICICI Bank and Other Banks

E-Verify ITR Through ICICI Bank

For ICICI Bank, start on the e-Filing portal's e-Verify page, select Through Net Banking, pick ICICI Bank, accept the disclaimer, and follow the secure redirect to ICICI Net Banking login. From there, select the e-Filing tab to jump back to the Income Tax portal and complete verification.

E-Verify ITR Through Other Eligible Banks

The workflow stays uniform across all authorized banks (HDFC, SBI, Axis, Kotak, etc.):

• Start on the e-Verify page and pick Through Net Banking.
• Select your bank and accept the disclaimer.
• Log in to net banking through the secure redirect.
• Click the e-Filing link and complete verification on the dashboard.

E-Verification Through Net Banking vs Aadhaar OTP

Compare both methods to choose the easiest option for you:

Common Net-Banking E-Verification Problems

• Bank does not appear in the list: Verify if your bank currently supports e-filing or check if your PAN is updated with the bank.
• PAN is not linked: Contact your bank branch or update PAN in online banking settings first.
• Portal does not open after bank login: Disable pop-up blockers, clear browser cookies, or restart from the bank's official site.
• EVC not received: Check registered mobile number in bank records; request a fresh EVC if needed.

Missed the 30-Day Deadline? Here's What Happens

For returns filed electronically on or after 1 August 2022, the verification window is 30 days from the filing date.

How to fix it: If verifying after 30 days, submit a Condonation of Delay request on the portal, select a valid reason from the drop-down, and proceed. Your return becomes valid once approved by the Income Tax Authority.

Easy Return App: A Simpler Way to Get ITR Verification Help

Prefer guided help over hunting through bank menus? The Easy Return App points you to the right verification method in four steps:

1. Open the Easy Return App and log in.
2. Select "E-Verify ITR."
3. Fill in the required details.
4. Follow the guided instructions to finish verification.

Frequently Asked Questions