Refund of ITR not credit

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Refund intimation for thr AY 2020-21 has been received from IT department but the refund has not yet been credited. Could you explain how to process the case?
Replies (2)
You may wait for some more days .

Just check any pending demand of any earlier years then refund might have been adjusted against such demand under 245.

Check your bank account details.
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