TDS returns

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If anyone's wife has arecurring deposit in the bank whose income income is zero and instalment of that RD is deposited by her husband. TDS is deducted against her PAN number by the bank. In that case how much total income will be filled in ITR? Zero or her husband's income?
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As I understand, interest income on RD would be clubbed in the income of the husband. Wife may file return of income and claim refund of tax deducted at source.

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