Tds by 20%

He or she can't claim such TDS unless he/she is having PAN no. Suppose at the time of deducting of TDS by the deductor , if deductee has not furnished the PAN , now he can do that but unless and until deductor not revise his return pertaining to such deduction , such deductee is not be able to claim his/her TDS under his/her name. Because unless you have PAN you can not submit your Income Tax return to claim TDS.

PAN No. is like bank a/c no./ PF a/c no. without which you can neither deposit / with draw cash from the bank.

First you [provide PAN No. to the bank and request them to file a correction return. Once they acknowledge filing of correction return you cn verify the same by viewing Form 26AS. If it appears then you file your return...rest as usual.

for claiming refund deductor is required to revised the tds return