SFT-005 reported even when deposit is less then 10 lacs

Dear Sir/Mam,

I am a regular tax payer and I am in 30% tax slab

My mother is a senior citizen and is a house wife. She has no earning source.

In FY 19-20, I transferred 5.7 lacs in her account and did FD on her name in which I am nominee.

One FD was of 3 lacs and other was of 1 lac and 1.7 lacs respectively. 

Recently I checked Form 26AS of my mother and found that bank has reported SFT-005 transaction of amount 5.7 lacs.

Now my question is -

a. When SFT-005 is reported by bank when term deposits amount is above 10 lacs in a financial year, then why it is being reported for my mother when amount is only 5.7 lacs.

b. Do I need file ITR for my mother? She got 40K interest from these FDs.

c. Will clubbing of income applied in this case when I just simply transfer amount from my account to her and does FD on her name? I have not executed any gift deed.

Thanks you.