Yes, TDS is a responsibility of bank to deduct from every client's FD account if the total amount payble to him in one finanicial year exceeds rs 10000. To avoid such TDS, in case the client do not have any other source of income, or have incomes the total of which do not exceeds the minimum amount liable to tax under income tax act, he needs to fill up form 15g/h at the start of financial year.
Dear you can deposit the form 15G in the start of the FY, however the validity of the form is for the whole FY. In case you have not deposited then deposit it before the Bank deduct TDS.
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