Tax is fully paid as below by a sr citizen individual having income only from pension and interest. 1. Advance tax in three installments by 15 September, 15 December and 15 March 2. TDS by bank as and when interest paid and 3. Self assessment tax before 31 July but return is filed after due date, i.e,31 July but before next 31 March, i.e, before expiry of relevant AY. Will the above case attract any fine or penalty and if, there is any refund for over payment, will it be allowed?