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RFD-01 Filing • Export & ITC Refunds • Pan-India

Stuck GST Refund?
We Get It Approved & Credited.

Export refunds, inverted duty structure, deemed exports, or excess cash ledger — our CA-backed team files it right the first time, handles deficiency memos, and follows up until the money lands in your account.

Start My Refund Claim Estimate My Refund
Refund Types Process Time Limit Documents Calculator Avoiding Rejection Interest & Delays FAQ
2 YrsTime limit from relevant date
90%Provisional refund in 7 days*
60 DaysTarget for final order (RFD-06)
6-9%Interest p.a. on delayed refunds

*Applies to zero-rated supply (export) claims that clear risk-based verification under Rule 91.

Understanding Refunds

What Is a GST Refund?

Any tax, interest, penalty, fees or other amount paid in excess of what was actually due can be claimed back under Section 54 of the CGST Act.

A GST refund arises whenever more tax has effectively been paid to the government than was legally owed — most commonly because exports are zero-rated but the input tax credit (ITC) used to make those exports isn't, because the GST rate on inputs is higher than on the output (inverted duty structure), or simply because a payment was made in error or a balance is sitting unused in the electronic cash ledger.

Refunds are claimed online through Form GST RFD-01 on the GST portal, supported by category-specific statements and, in many cases, invoice-level data that must tie out exactly with your filed GSTR-1 and GSTR-3B returns. Small mismatches — a shipping bill number that doesn't match the Export General Manifest (EGM), an unvalidated bank account, an expired LUT — are the single biggest reason genuinely eligible refunds get delayed or rejected. That's where professional handling pays for itself. If you're not yet on top of monthly GST filing, our GST filing & accounting plans keep your GSTR-1/3B clean so refund claims never get stuck on a mismatch.

Know Your Category

Types of GST Refunds We Handle

Choosing the right category on RFD-01 is the first decision that determines whether your claim sails through or bounces back.

Export Without Payment of Tax (LUT)

Refund of accumulated, unutilised ITC where goods/services are exported under a Letter of Undertaking, without paying IGST upfront.

Documents & details

Export With Payment of IGST

IGST paid at the time of export is refunded automatically based on shipping bill and EGM data matched against GSTR-1 — fastest category when data is clean.

Documents & details

Inverted Duty Structure

Input GST rate higher than output GST rate causes ITC to pile up faster than it's used — refundable under Rule 89(5), subject to input-goods restrictions.

Documents & details

Deemed Exports

Supplies notified as deemed exports (e.g. to EOUs against Advance Authorisation) where tax was paid — claimable by supplier or recipient, not both.

Documents & details

Excess Balance in Cash Ledger

Unused balance sitting in your electronic cash ledger after all liabilities are offset — simplest category, no export or ITC documentation needed.

Documents & details

Excess Payment by Mistake

Tax paid twice, wrong head (CGST/SGST/IGST) selected, or amount paid exceeds actual liability due to a filing error.

Documents & details

Refund on Appeal / Assessment Order

Tax deposited under protest or pursuant to an assessment that is later set aside or reduced on appeal, revision, or provisional-assessment finalisation.

Documents & details

Advance Received, Supply Not Made

Tax paid on an advance for a supply that was subsequently cancelled, with a refund voucher issued in place of the tax invoice.

Documents & details

SEZ Supplies

Refund of tax paid on supplies made to a SEZ unit/developer, or by a SEZ unit/developer on account of authorised operations.

Documents & details

Step by Step

How the Refund Process Works

From filing to credit in your bank account — here's the full lifecycle of an RFD-01 application.

1

File RFD-01

Select the correct category, upload the relevant statement and supporting invoices online on the GST portal. An ARN is generated instantly.

2

Acknowledgement (RFD-02)

The officer either issues RFD-02 acknowledging a complete application, or RFD-03, a deficiency memo asking you to refile with corrections.

3

Provisional Refund (RFD-04)

For zero-rated supply claims that pass risk checks, 90% of the claimed amount is sanctioned provisionally within 7 days of the ARN.

4

Scrutiny & SCN (If Any)

The officer verifies the balance. If anything looks inadmissible, a show-cause notice (RFD-08) is issued and you get a chance to reply (RFD-09).

5

Final Order (RFD-06)

The sanctioning order confirms the final admissible amount — expected within 60 days of the ARN under Section 54(7).

6

Payment Advice (RFD-05)

The sanctioned amount is credited directly to your validated bank account via PFMS — no manual cheque collection needed.

Don't Miss the Window

Time Limit: 2 Years From the "Relevant Date"

Every refund category has its own relevant date under Section 54 — miss it and the claim is time-barred, with no exceptions for genuine claims.

Refund CategoryRelevant Date (2-year clock starts here)
Export of goods by sea/airDate the ship or aircraft leaves India
Export of goods by landDate the goods cross the land frontier
Export of goods by postDate of dispatch by the post office
Export of servicesDate of receipt of payment in convertible foreign exchange, or invoice date — whichever is later
Deemed exportsDate the return for the relevant period is filed
Inverted duty structure (ITC accumulation)Due date of filing GSTR-3B for the period the claim relates to
Provisional assessment finalisedDate the tax is adjusted after finalisation
Refund pursuant to court/appellate orderDate the judgment, decree, or order is communicated
Excess payment due to mistakeDate of payment of the tax
Advance received, supply not madeDate of issue of the refund voucher

Be Prepared

Documents You'll Need

The exact set varies by category — this covers what's typically required across most claims.

Form RFD-01

The refund application itself, filed online with the correct category selected.

Statement of Invoices

Category-specific annexure (Statement 1, 2, 3, 3A, 4, 5, 5B, 6, or 7) listing every invoice the claim relies on.

Shipping Bill / Bill of Export

Required for export of goods, matched against Customs' EGM data — this is where most auto-refunds get stuck.

BRC / FIRC

Bank Realisation / Foreign Inward Remittance Certificate proving receipt of export proceeds, for export of services.

LUT / Bond Copy

Valid Letter of Undertaking for the financial year, required when exporting without payment of IGST.

CA Certificate / Self-Declaration

Rule 89(2)(l)/(m) declaration that tax incidence wasn't passed on — self-declaration under ₹2 lakh, CA/CMA certificate above it.

Validated Bank Account

Cancelled cheque or bank statement, with the account pre-validated on the GST portal for PFMS credit.

GSTR-1 & GSTR-3B Copies

Filed returns for the relevant period(s) — every figure in the refund statement must reconcile with these.

Get a Ballpark Figure

GST Refund Estimator

Based on the standard formulas in CGST Rule 89(4) and 89(5). For an exact, filing-ready figure, share your actual data with our team.

Avoid the Common Traps

Why Refund Claims Get Rejected or Delayed

Most deficiency memos and rejections come down to a handful of recurring, avoidable issues.

GSTR-1 / 3B Mismatch

Figures in the refund statement don't tie out with what was actually filed for that period.

Shipping Bill / EGM Mismatch

Customs' Export General Manifest doesn't reflect the shipping bill details declared in GSTR-1.

Missing or Expired LUT

Exports made without a valid Letter of Undertaking on file for that financial year.

Wrong Category Selected

Filing under the wrong refund head triggers an automatic deficiency memo, resetting your timeline.

Unvalidated Bank Account

PFMS validation pending or failed means the sanctioned amount simply can't be disbursed.

Unjust Enrichment Not Proven

Missing CA certificate or self-declaration that the tax burden wasn't passed on to the customer.

Know Your Rights

Interest on Delayed Refunds

The department doesn't get to sit on your money indefinitely — Section 56 entitles you to interest if it does.

SituationInterest Rate
Refund not paid within 60 days of ARN6% p.a., from the 61st day until the date of payment
Refund granted pursuant to an appellate/court order9% p.a., from the 61st day after the original application

Interest is calculated automatically by the department in most cases, but tracking your ARN and following up promptly ensures it isn't missed.

Why Us

Why File Your GST Refund With Tax Margin

Correct Category, First Time

We identify the right refund head and cross-check every figure against your filed returns before submission — no deficiency memos from avoidable errors.

End-to-End Tracking

From ARN generation to RFD-06 and credit, we track the application on your behalf and respond to any notice within the deadline.

SCN & Deficiency Memo Handling

If a show-cause notice or deficiency memo is issued, our team drafts and files the reply so your claim doesn't lapse.

Maximised Eligible Amount

We compute the refund using the exact Rule 89 formula for your category so you claim everything you're entitled to — not less, and nothing that invites scrutiny.

Get a Free Eligibility Check

Refunds We've Helped Recover

A few of the claims our team has taken from stuck to credited.

★★★★★

"Our IGST refund on exports was stuck for four months because of a shipping bill mismatch nobody could explain. Tax Margin traced it to an EGM error, got it corrected with Customs, and the ₹18 lakh credit came through within three weeks."

PS
Priya S.Garment Exporter, Delhi
★★★★★

"We had ITC piling up every month from an inverted duty structure and didn't even know it was refundable. They filed under Rule 89(5) and got two years' worth of accumulated credit back in one go."

AK
Arvind K.Textile Manufacturer, Panipat
★★★★★

"Got a deficiency memo on our first attempt filed in-house. Tax Margin refiled it correctly with the right statement and CA certificate — sanctioned within the standard 60-day window on the second try."

NS
Neha S.IT Services Exporter, Noida

GST Refund — Frequently Asked Questions

What is the time limit to claim a GST refund?
You must file Form RFD-01 within 2 years from the "relevant date", which varies by refund category — for example, the date of export for goods, the date of payment receipt for export of services, or the end of the financial year for inverted duty structure claims. Claims filed after this window are time-barred.
How long does a GST refund take to process?
For zero-rated supplies (exports), 90% of the claim is granted provisionally within 7 days of ARN generation if you pass risk-based checks. The full refund order (RFD-06) is expected within 60 days of the ARN; if it takes longer, you're entitled to interest at 6% per annum from the 61st day.
What is an inverted duty structure refund?
It applies when the GST rate on your inputs is higher than the GST rate on your output supply, causing input tax credit to accumulate faster than it can be used. You can claim a refund of the unutilised ITC using the formula in Rule 89(5), subject to current restrictions on which input categories qualify.
Why do GST refund claims get rejected or receive a deficiency memo?
Common reasons include mismatches between GSTR-1/3B and the refund statement, shipping bill or EGM data not reflecting on the portal, missing LUT for zero-rated supply without tax payment, an unvalidated bank account, the wrong refund category being selected, and failure to prove the claim isn't hit by unjust enrichment.
Do I need a CA certificate to claim a GST refund?
For refund claims above ₹2 lakh, a Chartered Accountant or Cost Accountant certificate (under Rule 89(2)(m)) confirming that the tax incidence hasn't been passed on to another person is mandatory. Below ₹2 lakh, a self-declaration is sufficient.
Can I claim a refund of excess balance in my electronic cash ledger?
Yes. Any amount left unutilised in your electronic cash ledger after offsetting liabilities can be claimed as a refund via Form RFD-01 at any time — this category isn't tied to exports or inverted duty and has simpler documentation.
What happens if I get a deficiency memo (RFD-03)?
A deficiency memo means your application had gaps or errors. You must file a fresh RFD-01 correcting the issue — importantly, the 2-year time limit is counted from the original filing date only if refiled promptly, so delays here can be costly.
Is there a minimum refund amount?
Yes — refund claims below ₹1,000 are not processed under Section 54(14). It's usually worth accumulating a slightly larger claim or combining periods where the category allows it.

Have a GST Refund Waiting to Be Claimed?

Tell us your category and claim amount on WhatsApp — we'll tell you exactly what's needed and how long it should take.

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