Interest on bank FDs and Insurance commission is subject TDS rate of: 1 point

1.TDS on interest on FD will be deducted at 10% if the interest amount exceeds ₹40000.
2.TDS on insurance commission - As per sec 194D , if commission paid exceeds ₹15000 , TDS to be deducted at 5% and 10% for person other than company and domestic company respectively.

In case the insurance commission is paid before 14th May 2020 than TDS under section 194D is to be deducted at the rate of 5% or 10% as the case may be, where, insurance commission is paid after 14th May 2020 than TDS under section 194D is to be deducted at the rate of 3.75% or 7.50% as the case may be, the reduced rate is applicable only for the period from 14th May 2020 to 31st March 2021.

But even if Tds is not deducted by bank they are chargeable as per interest slabs.
they will auto pop in forms while filing returns as other income.