Gift to a Spouse

No, your father is not liable to pay any tax from generating income from FD

Generating icome is your mother

Okay. If that is the case, what is this "Clubbing provision"? Can you please explain? Articles on that say, the interest accumulated on the FD invested by a wife from a gift received from her husband gets taxed as part of the husband's slab as she is not salaried. For example, point 3 in the article below says so. 

https://www.paisabazaar.com/tax/tax-on-gifts-in-india

Your father will pay tax for the interest if your mother has no source of income means your mother is non earning hence can comes below the taxable income and bank interest can't be tax free
so it could be in your father hand taxable as per clubbing it
money multiplier deposit is treated same as fd interest expect the interest comes to saving account from saving side will be treated as saving account interest

Agree with Ms. Ayusmita if your mother had no as source of income

Oh- so, is there no advantage in terms of Income tax to my father,  if he father gifts money to my mom? 
 

what if the money sits in just her savings account? Will the intrest accrued on that will also be taxable?

What if he gifts me, an adult child who doesn’t have an income and I invest it as a FD in my name? Will that be coming under clubbing provisions?

Also, isn’t there an amount determined like 5lacs exemption with 15H on deposits? My understanding is that any interest accrued on FDs beyond 5Lacs per annum will be taxed. 

Yes it is advisable to take gift in your name and your income it won't be clubbed in your father's income.

Interest accrued in saving interest is taxable after certain expemption as per act
if you're father gives you money and you invest in fd it will taxable in your hand as you are major or say adult and no clubbing provision applicable for you

now form 15h
it is applicable when tax liability is nil after considering the rebate available under section 87A of income tax act and if there's is no clubbing provision from the assessee

Yes. FD int will be clubbed with your father income. However if your mother invests FD interest part in another FD then interest on this second FD is her income and not to be clubbed with fathers income

In my mother’s case there is no other source if income other than these interests on her bank accounts. They aren’t anywhere bear 5lacs. She has submitted 15H to the banks. Now, will the clubbing apply in her case. Sorry to ask repeatedly. We really are concerned.  Most of the deposits are MMD and only one is FD. Thanks