Wife's pan number while clubbing income

it can not be claimed, as the bank does have information that you have invested in name of wife, if u disclose such things to bank then bank will make deposit the amount in your name and keep wife as co-depositor, however u have option to take credit of interest in wife's account, and TDS would go in your account.

Bank has treated the amount as wife's own fund and done accordingly, so she has to claim refund in her own file.

regarding clubbing, its between yourself and wife, neither bank nor the income department asked you to tender the funds to wife, so if such transaction reflect from your records then its clubbed and your burden is increased by the amount of clubbing,