Answer

1. F

   Facts

   The bank reports TDS in its quarterly statement. If it is missing, the bank may not have filed yet, may have used a different PAN, or reported it under a joint holder's PAN.

2. P

   Provisions and law

   • Sec 199, Income-tax Act 1961Credit for tax deducted is given to the person whose PAN is reported, for the year in which the income is assessable (2025 Act number to be confirmed).
   • Rule 37BA, Income-tax Rules 1962 (now Rule 203, Income-tax Rules 2026)TDS credit is given on the basis of the deductor's statement; it can be claimed by another person whose income it is, on declaration, and in the year the income is taxed.
   • Sec 203, Income-tax Act 1961 (now Sec 395(4))The deductor must issue a TDS certificate (Form 16 or 16A) for tax deducted.
3. A

   Analysis

   Check the Form 16A from the bank; if generated from TRACES it should match 26AS. If your PAN was not updated on the FD, the bank may have deducted tax at a higher rate and reported without your PAN. Ask the branch to update the PAN and file a correction. For joint FDs, the TDS often appears under the first holder.

4. C

   Conclusion

   1. 1Get Form 16A from the bank.
   2. 2Check the PAN on the FD account.
   3. 3Ask the branch to update the PAN and correct the TDS statement.
   4. 4Recheck 26AS after the next quarter's processing.
   5. 5Claim the credit when it appears.

General guidance from TaxSavvy’s library of money processes. Laws change; your Savvy confirms the answer on your exact case before anything is filed.