Tds deducted on fd

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maheshwar (Querist)

30 September 2013 Hello,
I am a 58 years old House wife for the year 2011 -12 TDS on FDs( in the bank )were deducted and because form 15G was given I was refunded. but for the year 2012-13 the bank asked me to give PAN no. which i applied and gave it to the bank in the month of Feb 2013 TDS was deducted (Rs.2046)and it is not refunded yet.
What should i do now?
also for your info now i am getting Family Pension Rs.17000 monthly this is my only Income.
Thank you.

Nikhil Kaushik

Nikhil Kaushik (Expert)

01 October 2013 kindly file your tax return and claim refunds for TDS.

maheshwar

maheshwar (Querist)

01 October 2013 can i do it online?
Bank has given me only the TDS Certificate, form 16A is not given because they say PAN was update only in feb 2013.
This TDS amount is also not shown in 26AS online.
or will i have file return manually along with TDS certificate?
kindly help as i have not done this before.
Thanks

Aashok Kumar Sharma

Aashok Kumar Sharma

(Expert)

27 July 2025 Here's what you can do step-by-step to claim your TDS refund for the FD interest where TDS was deducted:

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### 1. **File Income Tax Return (ITR)**

Since you have TDS deducted and no refund yet, you need to file your income tax return for the financial year 2012-13 (Assessment Year 2013-14).

* You **can file the ITR online** on the [Income Tax e-filing portal](https://www.incometax.gov.in/iec/foportal/).

* For your case (pension income + FD interest), **ITR-1 (Sahaj)** would be applicable, as your income is from pension and interest only.

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### 2. **TDS Certificate / Form 16A**

* The bank has given you a TDS certificate (usually Form 16A).
* Sometimes Form 16A is issued quarterly and may be delayed if PAN is updated mid-year.
* If you don’t have Form 16A, keep the TDS certificate safely; it is sufficient to file the return.

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### 3. **Check Form 26AS**

* Form 26AS is the consolidated tax credit statement.
* Since your PAN was updated in Feb 2013, the TDS may not yet be reflected online for that FY.
* It can take some time for TDS details to reflect after PAN update.
* You can still file return without TDS reflected in 26AS by uploading the TDS certificate details manually in the return.

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### 4. **Filing the Return and Claiming Refund**

* Fill in your income details including pension and FD interest.
* Mention TDS deducted as per the certificate under the “Tax Paid and Verification” section.
* Submit the return online.
* Once processed, if excess TDS has been deducted (or if your total income is below taxable limit), the Income Tax Department will issue a refund.

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### 5. **After Filing**

* Verify your return by e-verification methods (Aadhaar OTP, net banking, or sending signed ITR-V by post).
* Refund will be processed within a few months after return verification.

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### Summary:

| Step | Action |
| ----------------------------- | -------------------------------- |
| PAN updated Feb 2013 | Bank deducted TDS on FD interest |
| Form 16A not received fully | Use TDS certificate you have |
| File ITR-1 online for 2012-13 | Claim TDS deducted & get refund |
| Verify ITR | Refund credited by IT Department |

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If you want, I can guide you through the online ITR filing process or help with filling out the form step-by-step. Would you like that?

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