Interest on fixed deposit

1. Form 15H is submitted for the purpose of the non-deduction of TDS on interest received by the senior citizens. 
2. In your case, TDS will be deducted by such a bank where you are maintaining FD's and interest on such FD exceeds Rs. 50,000 during the year. 
3. Since you have mentioned that the total amount of interest from various FD is more than Rs. 50,000, TDS u/s 194A @ 10% on the entire amount of interest credited during the year. 
4. Form 15H should have been provided by such Ind ( above 60 years of age) but if not provided TDS will be deducted. However, for the FY 2019-20 assessee still has time to provide form 15H. 
Please correct me if the above solution has an alternative view. 

In your case TDS will be deducted as Interest is > 50000 and  15H is also not filled . But can be refunded after filling refund as per  applicable Tax slab .

1) Single Bank (all branches including) will not deduct TDS on total FD interest (from multiple FD's )of Rs 50000. (For FY2019-20)

2) SB interest will be excluded from TDS

3) If your total income from all sources is going to exceed Rs 5 lakhs , dont give 15H . Assuming 7.5% on senior FD interest, FD's above 7 lakhs/per bank  will cross the Rs 50k interest threshhold & the bank will deduct 10% TDS on the "total interest income" earned (not above 50k only ).

4)so keep less than Rs 7 lakh total FD in a single bank . 15H declaration is valid only for up to 5 lakh annual income. you can not give false declaration. nowadays they are coming down even on small infarction.

5) watch out for bank consolidation for FY2020-21. 3 banks merge to form a single bank .under the same PAN your interest TDS exemption will easily cross RS 50k TDS threshold under a single PAN. if your banks merge , keep one SB account with the merged entity & close the sb/fd accounts of the acquired banks (that is no need to keep 2 or 3 accounts with different branches of the same merged entity . Open in a new bank if you want to distribute your FD total amount.