After the ITR is processed under section 143(1), refund status is visible on the income-tax e-filing account and on the TIN / Protean refund-status page (PAN + assessment year). The credit goes only to a pre-validated bank account whose name matches PAN. If the status is that the bank returned the refund, repair the account and re-validate. Unmatched TDS and old outstanding demands will hold the refund even when the portal looks quiet. Full note: How to track an income-tax refund.
Answer
How do I track my income-tax refund?
E-filing portal, PAN-based status, and the usual reasons a refund returns from the bank.