tax query

Tithi (-) (111 Points)

23 June 2008  

1. if a person has income frm FD and Pension income in this A.Y.
say, 3lacs frm F.D and 1.6lacs frm pension.
2. and the interest frm FD (3 lacs) comes after deduction of TDS by the bank...
3. how will the total income be computed???? 
 a) do i hav to calculate the tax on 4.6lacs, and then deduct the TDS that has already been cut by the bank, on the FDs?
 b) or i shall hav to calculate tax only on 1.6lacs?

pls help.