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Before March ends, your bank can deduct tax from your FD interest automatically without asking you. Every Feb–March, banks estimate your yearly interest. If Savings FD RD interest crosses ₹40,000 (₹50,000 for seniors), TDS under Sec 194A gets triggered. But if your total income is below taxable limit, you legally owe zero tax still the deduction happens. Fix it in 2 minutes: Submit Form 15G / 15H in net-banking under Sec 197A. Otherwise the money stays stuck till refund after ITR filing. Tell yo
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