Current Year Loss Adjustment to Savings Account Interest

Hi Everyone , i have a question about Current Year Loss Adjustment with the Income from Savings interest.

I have a loss from FNO trading of approx 5500 Rs and Income from Savings bank of approx 3500rs. I am filing ITR for FY 2022-2023 and through one of the online portal. Here they adjusted loss from FNO for current year with the savings bank interest.  So from 5500 loss , they adjusted 3500 income from savings interest and carry forwarded 2000rs.

My Question is when IT dept exempting income from savings account upto 10000 rs , adjusting as above is correct method ? Since interest from savings account is below 10000, should it not be completely exempted and entire 5500 rs should be carry forwarded as carry forward loss ?

If above method is correct , then how can tax payer completey utilize the 80TTA Exemption ? 

Please guide.