Tds of deductee having no pan

Dear Experts,

If Mr. X,  who is having income below basic exemption limit, having no PAN and income tax records,

is having FDR of Rs. 1.5 lacs in bank,

now bank will deduct TDS @ 20% because PAN has not been given to the bank.

Is Mr. X required to get PAN?

Is there any way that Mr. X does not get the PAN and no TDS is deducted by the Bank? and how the bank will deal with the account of Mr. X in its books?

Please refer relevant case law or section.