Short answer: You cannot edit the bank account inside an ITR that is already filed, but you rarely need to. Log in to the income tax e-filing portal, add and pre-validate the new account under My Profile → My Bank Account, and nominate it for refund. Address, email and mobile number are updated in My Profile. Only errors in income, deductions or tax figures need a revised return.
Last updated: 13 October 2026.
This guide replaces our 2022 article, which described an older “Change ITR Form Particulars” request. That route belonged to the previous e-filing website. The current portal, live since 2021, separates your profile (bank accounts, contact details, address) from your return. So most updates no longer touch the ITR at all.
What you can change, and where
| What you want to change | Where to do it | Does the filed ITR change? |
|---|---|---|
| Refund bank account | My Profile → My Bank Account: add, pre-validate, nominate for refund | No |
| Closed or old account | My Bank Account: remove it, or stop nominating it for refund | No |
| Mobile number or email | My Profile → Contact details (OTP on old and new) | No |
| Postal address | My Profile → Contact details | No |
| Refund that failed to credit | Services → Refund Reissue | No |
| Income, deductions, TDS, regime choice errors | File a revised return before the deadline | Yes |
| Income missed after the revised-return window | Updated return (ITR-U), with extra tax | Yes |
Step by step: add and pre-validate a new bank account
The Income Tax Department pays refunds only to a pre-validated account linked to your PAN. If the account you typed in your ITR has since closed, or your bank merged and changed IFSC codes, validate a working account before the refund is processed.
- Log in at the e-filing portal with your PAN (user ID) and password.
- Open My Profile and choose My Bank Account.
- Click Add Bank Account. Enter the account number, account type, holder type and IFSC. The bank name and branch fill in automatically.
- Submit. Validation happens with your bank in the background. The department’s My Bank Account FAQs say the status can take 10 to 12 working days, and you are told by SMS and email.
- Once the status shows Validated, switch on Nominate for refund for that account.
- Optionally enable EVC on it so you can e-verify returns and requests with a bank-generated code.
Eligible account types include savings, current, cash credit, overdraft and NRO accounts. A loan account or a PPF account will fail validation. Your PAN must be linked to the account at the bank, and the name at the bank should match your PAN. A mismatch in name or an unlinked PAN is the most common reason validation fails.
If validation fails
- Check that your PAN is updated in the bank’s KYC records. Ask your branch or use net banking.
- Fix spelling differences between the bank account name and the PAN name.
- Confirm the IFSC is current. Merged banks often changed IFSC codes.
- Go to Failed Bank Accounts and click Re-validate once the bank side is corrected.
Your refund failed: raise a Refund Reissue request
If the refund was already processed but bounced, for example because the account was closed, you raise a refund reissue request. Nothing in the ITR changes.
- First make sure at least one validated account is nominated for refund.
- Go to Services → Refund Reissue → Create Refund Reissue Request.
- Select the assessment year, then choose the bank account that should receive the money.
- E-verify with Aadhaar OTP, EVC or a DSC.
- Note the transaction ID. Track the request under View Refund Reissue Request. The steps are in the official refund reissue user manual.
Worked example: Priya filed her return claiming a refund of ₹18,400. Her old salary account was closed when she changed jobs. The intimation showed the refund as failed. She added her new savings account, waited about a week for validation, nominated it for refund, and then raised a reissue request. Her ITR stayed exactly as filed. Only the payout account changed.
Updating address, email and mobile number
The department sends intimations, notices and OTPs to the contact details in your profile. Keeping them current matters more than whatever address was printed in an old ITR.
- Go to My Profile and edit contact details.
- For a new mobile or email, you will usually get OTPs on both the existing and the new contact.
- You can choose to use your Aadhaar-linked contact details instead of entering them manually.
- Your address in the next ITR will be pre-filled from the profile, so check it before filing.
If you have also moved house, update Aadhaar separately on the UIDAI website. Lenders and banks rely on Aadhaar-based KYC, and our Aadhaar guide explains how it affects loan applications.
When you actually need a revised return
A revised return is for mistakes in the content of the return: income you forgot, a wrong deduction, TDS you did not claim, or a wrong form. A wrong bank account alone is not a reason to revise.
- Revised return: Lets you replace the original return within the time allowed for that assessment year. The deadline used to be 31 December of the assessment year. Budget 2026 changes to this window have been reported, so confirm the current last date in the e-filing calendar on the portal before relying on it.
- Updated return (ITR-U): For income you missed after the revised-return window closes. It needs extra tax and interest, and it cannot be used to claim a bigger refund.
- E-verification: Any return, original or revised, must be e-verified within 30 days of filing. If you miss that, the date of verification can be treated as the filing date.
What changed since 2022
- The old “Change ITR Form Particulars” service request is no longer how bank details are fixed. Use My Bank Account.
- Pre-validation of the refund account is compulsory, and only nominated, validated accounts receive refunds.
- The window to e-verify a return is 30 days, not 120 days.
- The Income-tax Act, 2025 replaced the 1961 Act from 1 April 2026 and uses the term “tax year”. Returns for income earned up to 31 March 2026 (FY 2025-26) are still filed under the 1961 Act’s framework, so the section numbers you see on this year’s forms may differ from the ones that will apply to income from April 2026. Our income tax hub tracks these changes for salaried people.
Why accurate ITR details matter for loans
Your filed ITRs often act as income proof, especially if you are self-employed. Lenders compare the income in your ITR with bank statements, and the account you use should match. A clean, consistent record helps with loans for the self-employed using ITR and with business loan documentation.
Salaried borrowers mostly use salary slips, but lenders may still ask for Form 16 or two years of ITRs for larger amounts. See our personal loan eligibility and documents guide for what is typically asked.
Have your ITRs and bank statements ready? Compare personal loan offers from RBI-regulated lenders.
If a refund is delayed and you need money for a short period, compare the full cost before borrowing. Use the personal loan EMI calculator to see the repayment first. Our tax-saving guide for employees can also help you plan next year’s return.
Frequently asked questions
Can I change the bank account in my ITR after filing it?
Not inside the filed return. Add and pre-validate the new account under My Profile → My Bank Account and nominate it for refund. The refund goes to the nominated, validated account.
How long does bank account pre-validation take?
The portal says the status can take 10 to 12 working days. You get an SMS and email when it succeeds or fails.
My refund failed because the account was closed. What now?
Validate a working account, nominate it for refund, and raise a Refund Reissue request under Services. E-verify the request and track it with the transaction ID.
Do I need to file a revised return to change my address?
No. Update your address and contact details in My Profile. A revised return is only for errors in income, deductions or tax figures.
Can I nominate more than one account for refund?
Yes, more than one validated account can be nominated. Only one account can have EVC enabled at a time.
Does the Income-tax Act, 2025 change how I update bank details?
The e-filing portal process is the same. The new Act applies from 1 April 2026 and mainly changes terminology and section numbers, so check the current forms when you file.
Sources
- Income Tax Department: My Bank Account FAQs
- Income Tax Department: Refund Reissue user manual
- Income Tax Department: Raise service request user manual
- UIDAI
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.