about tds on fd

No. You have to co-operate with the bank. Form 15g/h is a customer obligation not bank's so you need to give it in advance. I thought most banks now have online submission. Just enquire with the bank or prefer such banks in future if visiting bank is a problem. Fincare, Indusind both have online form 15 submission process as told to me by them. Once TDS deducted I don't think anyone will be able to get it back. Have to get back through ITR only.

Whatever the rule is they can't refund it back to you. 

Change bank if not satisfied and next time don't submit on last day of Quarter 

30th march is a busy day for financial institutions. They will claim heavy work loads, you can escalate it if you want but that will be a needless headache in my opinion, Since the tds has already been deducted and possibly deposited.

Since They don't have taxable income it will be much easier to file itr and claim refund, it takes all of 5 minutes to file no income itr.

Also, tds is deducted every quarter, so submitting 15G/H at the end of financial year makes no sense. This can only stop the deduction of last quarter.

For future reference, the last date to file 15G/H is 15 days after the end of said quarter(to my knowledge). But it is advisable to file it at the start of the financial year.

You can also do it via netbanking for most banks.

saved this thread.. have lot of doubts reg fd(s) and these forms. one ca told better don't submit any forms and take refunds later. so that you can have better track of FDs. ( ok may be 50% good logic)

do not understand what u r saying if its for this year then u can submit within 5-15th april, avoid dealing with banks in year ending & year starting they mess up everything at that time 

be cool 773?

15G/H is supposed to be submitted once in a FY only.

Once the TDS is deducted, bank will not rectify it.

Choose peace of mind instead fighting with the system. 😅

End of the FY is not a good time for such activities, branch employees are already under a super load, especially Private Bank employees 🥲