Respected Sir, Facts for FY 2015-16 (AY 2016-17): (1) A Salaried Employee "A" having salary account in Bank "X", earned interest Rs. 15000 (i.e. 8000 on saving + 7000 on FDs Accrual basis) and No TDS was deducted by Bank "X". (2) "A" has a major daughter (with no income but having PAN) studying in professional college but getting fee waiver scholarship. So in consideration, "A" opened joint account with daughter as primary holder in Bank "Y" and earned interest of Rs. 2500 (on FDs receipt basis) and the bank "Y" deducted Rs. 250 as TDS against "A"'s PAN c(i.e period for which daughter's PAN was not provided to the bank). Apart the account also earned interest of Rs 11000 (i.e. 600 on saving + 10000 on FD on receipt basis + 400 on FDs on accrual basis). The bank deducted additional TDS of Rs. 1000 against the daughter's PAN. (3) "A" has another joint account with minor son (with no income and no PAN) in Bank "Z". Minor son is primary account holder. Interest earned in this account was Rs. 15700 (i.e. 700 on saving + 15000 on FDs receipt & accrual basis). Bank deducted TDS of Rs. 3000, but Form 16A has not been provided by bank. (4) The salaried person "A" comes in the Tax slab of 10% even after including all the above said interests earned and has even paid excess TDS from salary. Now since person "A" has to file ITR-1, it is requested to reply/ guide regarding the following:- (1) How "A" should file ITR-1 under "Income from other sources"? (2) How to claim refund of Rs. 1000 TDS deducted against major daughter's PAN (by Bank "Y")? (3) How to claim refund of Rs. 3000 TDS deducted against minor son's PAN where Form 16A is not being provided by the bank "Z"?