Fixed Deposits - TDS certificate not received

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The TDS certificate is provided to you once you have made payment of TDS online. You should collect them from TRACES (TDS Reconciliation Analysis and Correction Enabling System) of the Income Tax department and store them for future purpose. They are named as Form 16/ 16A/ 16B/ 16C. 

It would give the details of the interest income paid to you and also the tax deducted from it. If you have not received the TDS certificate, use Resolver to request for a copy. Resolver will help you connect with the right department. 

   

You should know

As per the Reserve bank of India, you have the following rights:

  • Right to Fair Treatment: the Customer cannot be treated unfairly on the grounds of gender, age, religion, caste, and physical ability. You are entitled to be treated fairly with courtesy when offering and delivering financial products.
  • Right to Transparency, Fair and Honest Dealing: the contract/agreement between you and The financial services provider should be well communicated, transparent and easily understandable. All the relevant terms and conditions must be clearly disclosed. you must not be threatened, or subjected to physical harm, exert undue influence, or engage in blatant harassment, by the financial service provider.
  • Right to Suitability: The products offered to you must appropriately meet your needs.
  • Right to Privacy: Your personal information must be kept confidential, unless otherwise specified, your consent is of utmost while sharing your information.
  • Right to Grievance Redress and Compensation: You are entitled to hold the financial service provider legally liable in case you face an issue.

If you face an issue with the financial service provider, you must:

  • Lodge the complaint in writing (online/offline) at the consumer care department of the concerned branch of your bank. Include all the important details and documents to support your complaint.
  • If you do not receive a satisfactory reply, or if there's no response from the branch within a reasonable time- you may approach the Regional or Zonal manager of the bank who will invoke an internal enquiry into your matter. Or chief grievance redressal officer. Also, The Bank Manager is obliged to address your complaint within 30 days.
  • You may also take help of the appointed Regional Nodal Officers and the Chief Nodal Officer who are responsible to ensure that the complaint is resolved on behalf of the Bank.
  • If still not resolved, you may then approach the Banking Ombudsman will make a decision on your case either through conciliation or mediation. and produce an outcome that will be binding on the financial organisation. The ombudsman will not have the power to pass an Award directing payment of an amount which is more than the actual loss suffered by you or Rs 10 lakh, whichever is lower. 
  • If you are still not satisfied, you may file an appeal with the Appellate Authority against the decision of the Banking Ombudsman within 30 days.
  • The Award by the Ombudsman is not binding on the Non-Banking Financial Company (NBFC) or the complainant as they have the right to appeal against the decision of the Ombudsman before the Appellate Authority. In case the NBFC doesn't comply with the directions, you can approach the RBI directly.
  • Further, you may also take a long route by taking the bank to the Consumer Court.

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