TDS Credit Not Showing in Form 26AS or the Income Tax e-Filing portal is a common problem faced by salaried employees, bank customers, freelancers, professionals and other taxpayers.
You may have received a Form 16 or Form 16A showing that TDS was deducted, but when you check Form 26AS or your tax-credit details, the amount may be missing or lower than expected.
This can become a problem while filing an Income Tax Return because the tax credit available in the return is generally linked to the tax information reported to the Income Tax Department.
For example, suppose your employer deducted ₹30,000 as TDS from your salary. Your Form 16 shows ₹30,000, but only ₹20,000 appears in the relevant tax records. If you claim the full ₹30,000 without resolving the discrepancy, the return may show a tax-credit mismatch.
The Income Tax Department provides a Tax Credit Mismatch service that allows taxpayers to compare TDS/TCS and other tax payments reported in their ITR with the amounts reflected in Form 26AS.
What Does TDS Credit Not Showing Mean?
TDS credit not showing means that tax deducted from your income is not appearing correctly in the tax records used for claiming credit.
The problem can occur in different ways:
- TDS is completely missing
- Only part of the TDS is showing
- TDS is showing under the wrong PAN
- TDS amount differs from Form 16 or Form 16A
- TDS is visible in one record but not another
- Deductor details are incorrect
- TDS is reported for the wrong Assessment Year
- The deductor has not filed or corrected the relevant TDS statement
- The TDS entry contains incorrect details
The first step is therefore to identify where the mismatch actually exists.
Where Should You Check TDS Credit?
Before contacting your employer, bank or other deductor, compare your available records.
The main documents are:
Form 16
For salary TDS.
Form 16A
For applicable non-salary TDS.
Form 26AS
For relevant tax-credit information.
AIS
For broader information reported to the Income Tax Department.
Bank Statement
Useful for checking interest payments and actual TDS deductions.
A practical reconciliation is:
Payment Record → Form 16/16A → Form 26AS → AIS → ITR
The Income Tax Department specifically advises taxpayers to download AIS and Form 26AS, check actual TDS/TCS/tax paid and reconcile discrepancies with the employer, tax deductor or bank.
Why Is TDS Credit Not Showing?
There can be several reasons why your TDS credit is missing.
1. Deductor Has Not Filed the TDS Statement
The employer, bank or other deductor may have deducted tax but may not yet have correctly reported it.
TDS information reaches the taxpayer’s tax records through the deductor’s reporting and related processing.
If the deductor has not filed the relevant TDS statement correctly, the credit may not appear as expected.
2. Incorrect PAN Quoted
If the deductor entered the wrong PAN, the TDS may not be credited correctly to your tax records.
For example, suppose your PAN is:
ABCDE1234F
but the deductor accidentally reports:
ABCDE1234G
The TDS may not appear correctly under your PAN.
In such a situation, the deductor needs to correct the relevant TDS statement.
3. Incorrect Assessment Year or Financial Year
TDS can also appear incorrectly when the wrong year is reported.
Always check whether you are viewing the correct Assessment Year.
For example, do not compare TDS relating to one Financial Year with the ITR for another Assessment Year.
4. Wrong TDS Amount Reported
The deductor may report an amount different from the amount actually deducted.
For example:
Actual TDS deducted: ₹25,000
TDS reported: ₹15,000
The difference needs to be investigated with the deductor.
5. TDS Statement Contains Other Errors
A TDS statement may contain incorrect information relating to:
- PAN
- TAN
- Amount
- Section
- Nature of payment
- Assessment Year
- Other reporting details
The Income Tax Department’s rectification guidance specifically recognises correction of TDS/TCS details such as TAN, PAN and amount where applicable.
TDS Deducted but Not Showing in Form 26AS
This is one of the most common situations.
Suppose your employer gives you Form 16 showing:
TDS = ₹50,000
but Form 26AS shows:
TDS = ₹0
Do not immediately enter ₹50,000 as available TDS credit and assume the issue is resolved.
First verify:
- PAN on Form 16
- Assessment Year
- Employer details
- TDS amount
- Form 26AS
- AIS
- Salary records
If the TDS is still missing, contact the employer and ask them to check their TDS filing.
The Income Tax Department’s Tax Credit Mismatch guidance states that where there is a TDS mismatch, the taxpayer should inform the employer or deductor responsible for deducting the tax, and the deductor needs to file a revised TDS return to correct the mismatch.
TDS Credit Showing Less Than Form 16
Another common problem is partial credit.
For example:
| Record | TDS |
|---|---|
| Form 16 | ₹60,000 |
| Form 26AS | ₹45,000 |
| Difference | ₹15,000 |
In this situation, do not ignore the ₹15,000 difference.
Check whether:
- The employer reported only part of the TDS
- There was an incorrect entry
- A correction statement is pending
- You are checking the correct Assessment Year
- The Form 16 contains an error
Contact the employer and request reconciliation.
If the deductor corrects the TDS statement, the updated credit should become available through the tax records after processing.
TDS Not Showing in AIS
AIS and Form 26AS are not identical.
The current tax-credit system uses Form 26AS primarily for relevant TDS/TCS and tax-credit information, while AIS provides broader reported information.
Therefore, do not assume that the absence of a particular entry in AIS automatically means that the TDS has not been reported.
Check the appropriate tax records and your TDS certificate together.
If you find a discrepancy in AIS, use the available AIS feedback facility where applicable.
You can also read AIS Income Tax to understand how AIS works.
TDS Not Showing in Form 26AS but Showing in Form 16
This situation generally requires communication with the deductor.
For example:
Form 16: ₹35,000 TDS
Form 26AS: ₹0 TDS
Your Form 16 indicates what your employer has certified, while the tax-credit record reflects what has been reported and processed in the tax system.
Do not assume that the Form 16 alone guarantees that the same credit will automatically be allowed in your ITR.
Contact the employer and ask them to check:
- PAN
- TDS amount
- TDS statement
- Relevant quarter
- Assessment Year
- Correction status
If necessary, the employer should file a correction statement.
TDS Credit Not Showing Due to Wrong PAN
A wrong PAN is one of the most important problems to check.
Compare the PAN printed on:
- Form 16
- Form 16A
- Form 26AS
- Employer records
- Your Income Tax account
If the employer or deductor used an incorrect PAN, ask them to correct their TDS statement.
Do not create another PAN simply to solve a TDS-credit issue.
The problem is normally with the TDS reporting, not with the taxpayer needing a new PAN.
TDS Credit Not Showing Due to Wrong Assessment Year
Always confirm the relevant year.
For example, income earned during FY 2025-26 is generally reported in AY 2026-27.
If you check the wrong Assessment Year, you may incorrectly conclude that TDS is missing.
Before raising a complaint, compare:
Financial Year → Assessment Year → TDS Certificate → Form 26AS → AIS
TDS Credit Not Showing for Bank Interest
Bank TDS can create confusion because the taxpayer may receive interest and TDS information at different stages.
Check:
- Bank statement
- Interest certificate
- Form 16A
- Form 26AS
- AIS
Suppose a bank paid interest of ₹40,000 and deducted applicable TDS.
You should verify both:
Interest income
and
TDS credit
when preparing your ITR.
Do not report only the TDS while forgetting the underlying interest income.
TDS Credit Not Showing for Freelance Income
Freelancers and professionals should maintain a separate record of payments received from clients.
For each payment, maintain:
- Invoice
- Gross amount
- TDS deducted
- Net amount received
- Date of payment
- Client details
- Form 16A, where applicable
- Bank transaction
For example:
Invoice: ₹50,000
TDS: ₹5,000
Bank credit: ₹45,000
The ₹5,000 TDS should be reconciled with your tax records.
Do not treat the ₹45,000 bank credit as the complete gross income merely because that is the amount received in your bank account.
TDS Credit and ITR Filing
TDS credit is directly connected to ITR filing.
While filing your return, you generally need to report the relevant income and claim eligible tax credit.
A common mistake is:
TDS deducted → claim TDS → forget to report related income
This can create problems.
The Income Tax Department has also advised taxpayers to disclose the gross receipts on which TDS credit is being claimed in the applicable income schedules.
For example, if a client pays ₹1,00,000 and deducts TDS of ₹10,000, the tax return should not simply show ₹10,000 as TDS without properly considering the underlying ₹1,00,000 income.
How to Check TDS Credit Mismatch on the Income Tax Portal
The Income Tax Department provides a Tax Credit Mismatch service.
The current process is:
Step 1: Log In
Log in to your Income Tax e-Filing account.
Step 2: Open Services
From the dashboard, select:
Services → Tax Credit Mismatch
Step 3: Select Assessment Year
Select the Assessment Year for which you want to check the mismatch.
Step 4: Submit
Submit the request.
Step 5: Check the Mismatch
The portal displays the difference between TDS/TCS/tax-payment details reported in your ITR and the corresponding information reflected in Form 26AS.
If there are more than 10 mismatch records, the portal provides a download option for the mismatch details in PDF/XLS format.
What Does the Tax Credit Mismatch Service Show?
The service can identify differences involving:
- TDS
- TCS
- Advance Tax
- Regular Assessment Tax
- Other relevant tax payments
The Income Tax Department states that the service highlights mismatches between the amounts reported by the taxpayer in the ITR and the amounts reflected in Form 26AS.
This is useful because you can identify whether the problem is actually with your ITR or with the tax information reported by the deductor.
What to Do If TDS Credit Is Missing
If your TDS credit is missing, follow this sequence:
Step 1: Check Form 16 or Form 16A
Confirm the exact TDS amount.
Step 2: Check Form 26AS
See whether the TDS is reflected.
Step 3: Check AIS
Review the relevant TDS information and other related entries.
Step 4: Check Your PAN
Make sure the deductor used the correct PAN.
Step 5: Check Assessment Year
Make sure you are checking the correct year.
Step 6: Contact the Deductor
If the TDS is still missing, contact your employer, bank or other deductor.
Step 7: Request Correction
Ask the deductor to correct the relevant TDS statement if required.
Step 8: Recheck Form 26AS
After the correction is processed, check the tax records again.
Step 9: Correct Your ITR if Necessary
If the return has already been filed or processed, the appropriate correction route depends on the status of the return.
Does the Employer Need to Correct TDS?
In a TDS mismatch, yes, the deductor may need to correct the TDS statement.
The Income Tax Department specifically states that when there is a TDS mismatch, the taxpayer should inform the employer/deductor and the employer/deductor needs to file a revised TDS return.
For a salaried employee, this generally means contacting the payroll, HR or finance department.
For bank TDS, contact the bank.
For professional or contractual payments, contact the relevant deductor.
Can You Fix TDS Mismatch Yourself?
It depends on the cause.
If the problem is that you entered incorrect TDS information in your ITR, the appropriate correction mechanism may be available depending on whether the return has been processed.
If the problem is that the deductor has not correctly reported TDS, the deductor generally needs to correct its TDS statement.
The Tax Credit Mismatch service allows taxpayers to identify mismatches, while the correction of deductor-reported TDS requires action by the deductor.
What If TDS Is Correct but ITR Shows the Wrong Amount?
Suppose:
Form 26AS = ₹40,000
but
TDS claimed in ITR = ₹30,000
In this case, the issue may be in the return rather than the deductor’s statement.
If the return has not yet been processed, the appropriate correction may involve revising the return where permitted.
If the return has already been processed and an intimation under section 143(1) has been issued, a rectification request may be available for eligible mistakes apparent from the record.
The Income Tax Department states that a rectification request can be submitted for eligible mistakes in an intimation under section 143(1) or other specified orders.
Tax Credit Mismatch After ITR Processing
If your ITR has already been processed and there is a TDS mismatch, the Income Tax Department provides a Tax Credit Mismatch Correction option under the rectification service.
The current rectification guidance says this option can be used to correct TDS/TCS/IT challan details in a processed return.
The portal can require you to re-enter relevant schedules and correct the TDS/TCS or tax-payment details.
However, the correction facility has limitations.
You should not use rectification simply to introduce a completely new source of income or claim a new deduction that was not part of the original return. The Income Tax Department’s rectification guidance specifically restricts certain fresh or additional claims.
How to File Tax Credit Mismatch Rectification
If your return has already been processed and you are eligible for rectification, the general process is:
Step 1: Log In
Log in to your Income Tax e-Filing account.
Step 2: Open Rectification
Use the applicable Rectification service for the processed return.
Step 3: Select Tax Credit Mismatch Correction
Choose the Tax Credit Mismatch Correction request type.
Step 4: Review the Pre-Filled Schedules
The portal can auto-populate the relevant schedules based on the processed return.
Step 5: Correct TDS Details
Depending on the case, you may need to correct:
- TAN
- PAN
- TDS amount
- TDS on salary
- TDS other than salary
- TDS relating to specified transactions
- TCS
- Advance tax
- Self-assessment tax
The current Income Tax Department manual provides separate schedules for these tax-credit categories.
Step 6: Submit the Request
Review the corrected information and submit the rectification request.
Step 7: Complete e-Verification if Required
Follow the verification process shown by the portal.
The exact steps can vary depending on the return and correction type.
What If TDS Is Showing in Form 26AS but Not in ITR?
This is different from the situation where TDS is missing from Form 26AS.
Suppose:
Form 26AS = ₹25,000
ITR = ₹0
Here, the TDS is available in the tax-credit records, but it was not claimed or was entered incorrectly in the return.
If the return has not been processed, the correction route can differ from a processed return.
If CPC has already processed the return, an eligible rectification request may be available.
The Income Tax Department advises that the tax-credit mismatch correction option is intended for correcting TDS/TCS/IT challan details in processed returns.
What If Form 16 Shows TDS but Form 26AS Shows a Different Amount?
Do not immediately choose one amount without investigating.
Use this sequence:
Form 16 → Form 26AS → AIS → Employer records
If the employer’s Form 16 is correct but Form 26AS is wrong, ask the employer to verify and correct the TDS statement.
If Form 16 itself is wrong, ask the employer to issue a corrected certificate after correcting the underlying TDS records.
Keep copies of both the original and corrected documents.
TDS Credit Not Showing After Employer Correction
Even after the employer files a correction statement, you may not see the updated amount immediately.
The correction needs to go through the relevant processing system before the updated tax-credit information becomes available.
Therefore:
- Confirm with the employer that correction has been filed.
- Keep the correction details if provided.
- Wait for the tax records to update.
- Recheck Form 26AS.
- Recheck AIS where relevant.
- Check the ITR after the correction becomes available.
Do not repeatedly submit the same correction request without checking whether the previous correction is already under process.
Can You Claim TDS That Is Not Showing in Form 26AS?
You should not simply claim an unsupported TDS credit.
The Income Tax Department states that tax credit claimed in the ITR is restricted to the amount reflected in Form 26AS for the relevant tax credit mismatch process.
If you genuinely have a TDS certificate showing that tax was deducted but the credit is missing, first work with the employer or deductor to correct the reporting.
This is much safer than claiming an amount that the tax system does not currently recognise.
TDS Credit Not Showing and Income Tax Refund
Missing TDS can directly affect your refund.
For example:
Actual TDS = ₹60,000
TDS recognised = ₹40,000
The tax calculation may initially give credit for only ₹40,000, potentially reducing the refund or increasing the tax payable.
Once the correct TDS credit becomes available and the applicable correction/processing is completed, the tax position can be reconsidered through the appropriate process.
If your refund is already delayed, you can also check Income Tax Refund Status.
TDS Credit Not Showing: Common Mistakes to Avoid
1. Claiming TDS Without Checking 26AS
Do not enter a TDS amount solely because it appears on a salary slip or payment statement.
2. Ignoring the PAN
A wrong PAN can prevent the credit from appearing correctly.
3. Checking the Wrong Assessment Year
Always confirm the relevant year.
4. Not Contacting the Deductor
If the problem is in the deductor’s TDS statement, the deductor needs to correct it.
5. Reporting TDS Without Reporting Income
The related gross income should be properly disclosed in the applicable income schedule.
6. Filing Multiple Returns to Solve a TDS Problem
Do not automatically submit another ITR just because TDS is missing.
First identify the actual source of the mismatch.
7. Claiming More TDS Than Available
Do not claim a TDS amount that is unsupported by the relevant tax records.
8. Ignoring a Tax Credit Mismatch
Use the Tax Credit Mismatch service to understand the difference.
9. Filing Rectification for the Wrong Reason
Rectification is intended for eligible mistakes apparent from the record and has specific limitations.
TDS Credit Reconciliation Checklist
Before filing your ITR, check:
- Form 16 collected
- Form 16A collected, where applicable
- Form 26AS checked
- AIS checked
- PAN verified
- Assessment Year verified
- TDS amount reconciled
- Related income reported
- Bank interest checked
- Employer/deductor contacted if required
- TDS correction requested if required
- ITR tax credit checked
- Refund calculation reviewed
- ITR verified after filing
Frequently Asked Questions About TDS Credit Not Showing
[su_accordion]
[su_spoiler title="Why is my TDS credit not showing in Form 26AS?"]
TDS may not show because the deductor has not correctly filed or updated the TDS statement, the wrong PAN or Assessment Year may have been reported, or there may be another reporting mismatch. Check Form 16/16A, Form 26AS and AIS and contact the deductor if required.
[/su_spoiler]
[su_spoiler title="What should I do if TDS is deducted but not showing in 26AS?"]
First check your Form 16 or Form 16A, PAN, Assessment Year and AIS. If the TDS is still missing, contact the employer or deductor and ask them to verify and correct the TDS statement.
[/su_spoiler]
[su_spoiler title="Can my employer correct missing TDS credit?"]
Yes. If the mismatch is caused by incorrect or incomplete TDS reporting by the employer, the employer can take the required correction action in its TDS statement. The Income Tax Department specifically advises taxpayers to inform the employer or deductor about a TDS mismatch.
[/su_spoiler]
[su_spoiler title="Can I claim TDS if it is not showing in Form 26AS?"]
You should not simply claim unsupported TDS credit. First reconcile the TDS certificate with Form 26AS and contact the deductor for correction where necessary. The Income Tax Department states that tax credit claimed is restricted to the amount reflected in Form 26AS for the applicable mismatch process.
[/su_spoiler]
[su_spoiler title="What if Form 16 shows TDS but 26AS shows less TDS?"]
Compare the two records and identify the difference. If the Form 16 amount is correct but the tax-credit record is incomplete, contact your employer and ask them to verify and correct the TDS statement.
[/su_spoiler]
[su_spoiler title="How can I check TDS mismatch online?"]
Log in to the Income Tax e-Filing portal and go to Services → Tax Credit Mismatch. Select the relevant Assessment Year and submit the request to view differences between the tax credit reported in your ITR and the amount reflected in Form 26AS.
[/su_spoiler]
[su_spoiler title="What if TDS is showing in 26AS but not in my ITR?"]
If the return has not been processed, the correction route may involve revising the return where permitted. If the return has already been processed, an eligible rectification request for tax-credit mismatch may be available.
[/su_spoiler]
[su_spoiler title="Can I file rectification for a TDS mismatch?"]
Yes, where the return has been processed and the issue falls within the eligible rectification rules, you can use the Tax Credit Mismatch Correction option. The Income Tax Department provides this facility for correcting eligible TDS/TCS/tax-credit details.
[/su_spoiler]
[su_spoiler title="How long does it take for corrected TDS to appear?"]
The time can depend on the correction filed by the deductor and subsequent processing. After the deductor confirms the correction, check the relevant tax records again rather than assuming the credit will appear immediately.
[/su_spoiler]
[su_spoiler title="Can missing TDS affect my income tax refund?"]
Yes. If eligible TDS credit is missing, the tax calculation may initially recognise a lower amount of tax already paid, which can affect the refund or additional tax payable. The issue should be corrected through the appropriate process.
[/su_spoiler]
[/su_accordion]Conclusion
If your TDS Credit Not Showing in Form 26AS or your ITR, do not immediately file another return or claim an unsupported tax credit. First compare Form 16/Form 16A, Form 26AS, AIS and your own payment records.
If the problem is caused by the employer, bank or another deductor, contact them and request correction of the relevant TDS statement. The Income Tax Department specifically states that a TDS mismatch should be brought to the deductor’s attention and that the deductor needs to file the required correction.
If your return has already been processed and the problem is with TDS/TCS or other tax-credit details entered in the processed return, the Income Tax Department provides a Tax Credit Mismatch Correction option under rectification for eligible cases.
For related guides, see What Is TDS, TDS Certificate, Form 26AS and AIS Income Tax.
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