Child Tax Credit Refund September 2025: New IRS Updates on Payments

Child Tax Credit (CTC) is a very important tax benefit for millions of families living in America. This credit provides financial relief to families who have children and whose income is below a certain limit. In September 2025, the IRS has released some important updates related to this credit, which will directly affect the monthly budget and expenses of families.

In this article, we will understand in detail what are the new changes in IRS Child Tax Credit Refund September 2025, what will be the amount of payment, who is eligible, and what are the conditions to be met to avail it.

What is Child Tax Credit?

Child Tax Credit (CTC) is a tax credit given by the US government, which was started to provide relief to families with children. Its main objective is that middle and low-income families can get better financial support for the upbringing and education of their children.

This credit reduces the family’s tax liability, and if the liability is less than the credit amount, the family can also get a refund. That is why it is called “Tax Credit Refund”.

IRS’s new updates in September 2025

The IRS has shared some new guidelines and changes related to Child Tax Credit Refund for September 2025. Let’s understand them in detail:

• Amendment in the amount of payment
• Families with children under the age of 6 can get a credit of up to $3,600 per child.
• At the same time, for children between the ages of 6 and 17, this amount has been fixed at $3,000.
• This amount is for the whole year, but can also be received as a lump sum as a refund, and in some cases it is also paid in installments.

Income Limit

• The IRS has also updated the income limit:
• The maximum income limit for single filers has been set at $200,000.
• For married couples filing jointly, the limit is $400,000.
• If your income is above this limit, the tax credit will gradually decrease.

Refund timing

In September 2025, Child Tax Credit Refund payments will be issued from mid-September to the last week. Many families will get the amount directly through direct deposit, while some may be paid in the form of a paper check.

Automatic refund process

The IRS has clarified that for those who have filed their 2024 tax returns on time, their CTC refund will be processed automatically. There will be no need to apply separately for this.

Eligibility for Child Tax Credit Refund

According to the IRS, families must meet certain conditions to get CTC Refund in September 2025:

• The child must be a US citizen.
• The child must be under 17 years of age.
• The child must have lived with the tax filer for at least half of the year.
• The tax filer’s income must be below the prescribed limit.
• The child must have a valid Social Security Number (SSN).

Payment process

According to the information released by the IRS, Child Tax Credit Refund will be paid in two ways:

• Direct Deposit: Those who have provided bank account information in their tax returns will be paid directly into the account.
• Paper Check: Those who do not have bank information available will be sent a refund through paper check.
• The IRS advises that all families update their bank account information so that payment can be received quickly and securely.

Estimated Payment Dates for September 2025

Although the IRS releases the exact dates differently every year, the estimated payment in September 2025 will be as follows:

First phase: Starting from September 15, 2025

Last phase: By September 30, 2025

Eligible families will receive their Child Tax Credit Refund within this period.

Why is Child Tax Credit Refund important?

In today’s time when inflation is constantly rising, the cost of education, health and care of children takes a heavy toll on families. CTC Refund helps families:

• Helps with education expenses (school fees, books, tuition, etc.).
• Makes health care (doctor visits, medicines) easier.
• Helps in balancing the cost of daily life (clothing, food, transportation).
• In this way, this credit not only acts as tax relief but also as an investment in a better future for children.

How to check status from IRS portal?

The IRS has provided an online portal where families can check the status of Child Tax Credit Refund. For this:

• Visit the official website of the IRS.
• Click on “Get My Refund” or “Child Tax Credit Update Portal”.
• Enter your information (SSN, date of birth, filing status).
• The system will tell you the status of your payment.

Conclusion

IRS Child Tax Credit Refund September 2025 is a big relief for families who are struggling with raising children and expenses. As per the new update, the amount of payment will be based on age and income limits, and most families will get the payment by the last week of September.

If you are also eligible, make sure you have filed your 2024 tax return on time and updated your banking information on the IRS portal. By doing this, your Child Tax Credit Refund will reach your account quickly and without any hassle.

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