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Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 25, 2024

Kanchan Rai has 10 years of experience in therapy, nurturing soft skills and leadership coaching. She is the founder of the Let Us Talk Foundation, which offers mindfulness workshops to help people stay emotionally and mentally healthy.
Rai has a degree in leadership development and customer centricity from Harvard Business School, Boston. She is an internationally certified coach from the International Coaching Federation, a global organisation in professional coaching.... more
Abhijit Question by Abhijit on Jan 25, 2024Hindi
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Relationship

Hello, I am recently divorced after a simple case as per due legal SOP, staying with my 2 sons who are coming to terms with the reality. my ex-wife had the affair for very long time during which she left home twice (I brought her back), lied, cheated, manipulated, and made misuse of my trust, my home, my belongings and my efforts to restore near normal life (minus physical intimacy) for the sake of my sons. It has been a very tough time for me, not to mention the continuous stress on my innocent lovely sons. I have a good mind to seek legal recourse and get retribution (not revenge) for the severe injustice done to me. She and her partner have to face the consequences of their actions and cannot simply be happy away, leaving my house in shambles, after all the love and equality bestowed by me, my sons, my parents and society, which was her right as long as she was virtuous, and can be called my grace since the time she became illicit. Indian Laws do not have strong sections in such case but I can sue for breach of trust, house tresspass and perhaps 1-2 other clauses. The process will take time, expense, patience and the result may not be imprisonment, but compounding by a small fine. But I am more interested in the conviction. I want them to realise, through legal recourse, that you cannot destroy someone's life and sit happily elsewhere, you have to bear the fruit of your deeds, after mis-using all that I and our society has provided. She is aware that the divorce is decreed and is expecting me to accept it and get over with it. Please provide your guidance.

Ans: Remember that legal processes can be time-consuming, emotionally draining, and may not always bring the emotional satisfaction you seek. It's crucial to weigh the potential benefits against the costs and consider what will be in the best interest of you and your children in the long run.

Ultimately, the decisions you make should align with your goals for the future and contribute to your overall well-being and that of your family.
Asked on - Jan 25, 2024 | Answered on Jan 26, 2024
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Madam, Thanks for your prompt reply. In the interest of the future and overall wellbeing of my family, I had provided several chances for rectifying her behaviour but to no avail. All false promises and cheating with impunity. She has also threatened by sons against disclosing the situation to me, all these years. She has taken mis-advantage of my tolerance, did not mend her ways and has shown a very bad example to my kids. Such irresponsible outright impune behaviour must not go unpunished (in the proper legal way)
Ans: Dear Abhijit

Divorce and betrayal can be emotionally taxing. It's understandable that you might be seeking a sense of justice and accountability for the actions that have hurt you and your family.Consult with a lawyer to get a clear understanding of your legal options and the potential outcomes of pursuing a case against your ex-wife and her partner. They can provide guidance based on the specific laws applicable to your situation. Ensure that your primary focus is on the well-being of your sons. Divorce can be especially tough on children, and their emotional health should be a top priority. Focus on your personal growth and healing. Sometimes, moving forward and building a positive future for yourself and your children is the best form of "retribution". Consider whether pursuing legal action will truly bring you the closure you seek. Sometimes, the legal process can be lengthy, expensive, and emotionally draining. Assess whether it's worth the investment of time and energy for the outcome you desire.
Asked on - Jan 27, 2024 | Answered on Feb 01, 2024
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Madam I value your advice. Thanks a lot Abhijit
Ans: most welcome Abhijit.

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Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 27, 2022

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Hi Anu,Hope you are in fine health!This will take 4 minutes to read but I plead to you for help.I am a man of 40 years, an engineer working with a reputed MNC as a manager. My wife, 37 is also an engineer working with a global service firm as process lead.We have a son nearing 8 years. We got married in 2012 - an arranged marriage and welcomed our son in early 2014. Things were fine largely in the initial phase. She quit her job in 2013 (a collective decision) to be in London with me for 2 years till 2015. My mother passed away in 2014 so I suggested that we return to Mumbai for good as my dad was alone. She agreed (at least I think so). Upon return I feel her father intervened too much in our family life (coming to our house unwarranted to help my wife, when my father was at my sister's place after bypass surgery). For little things, my wife depended on them although I was always around. In some ways I always thought she wanted me to be like her father. A couple of showdowns and family discussions later, she walked out in 2016 with our 2 year-old son. It was a well orchestrated event with her father, sister, far-flung cousin picking her up with 8-9 bundles of belongings, including our marriage certificate and son's birth certificates (Indian and London). I viewed it as a betrayal but kept mum. I went to her place 4 times in the following month to meet my son but her mother threatened me with 498A in the last meeting. I feel they had ulterior motives to this entire episode -- I am an IT engineer so they knew I had money. My wife was unhappy that my dad's flat in a posh locality in Mumbai where we stayed would be split between me and my sister. She had said I and only I should be the inheritor.She put a condition that I can meet my son only at her father's residence, so I was denied access to my son. After a depressing wait of 2 years, I filed custody petition. I secured regular visitation rights to my son. He warmed up to me and I took him to Goa, Kerala, Mysore on separate visits. My belief was 'whatever happens to our relationship, my son should not feel the absence of his father ever' Thinking my wife would have warmed up, I filed restitution 1.5 years later. She fought both petitions tooth and nail, denying me even 30 mins extra visitation. I was supposed to pick my son and drop him from underneath her flat. Humiliation ensued but I stuck to being a good dutiful father which was appreciated and rewarded by the family court counsellor. I was paying his school fees and also nurtured him for 5 months in 2020 at my place when my wife and her family contracted COVID (which she claimed in court as unlawful detention of 'my' son). May be, sensing she is losing ground, all of a sudden she agreed to a mutual divorce in April 2021 with custody shared for 15-15 days every month. A day before the final signing of papers, she asked to meet and said, 'Can't we make this work for our son ? I am ready to come back' I was getting what I always wanted so I relented. Court gave us a trial period of 3 months which went fine. We were physical 5-6 days a week. I suggested a second kid but she used to evade the question by saying 1 kid is enough. She was gelling well with my family but I maintained a distance from her parents as I did not want a repeat. I did not step into her house which she resented. After 3 months, I told her I need 3 more months and she was shocked but went with it. The best thing that was happening was that our son was opening up and was much less anxious. After another 3 months, we were ready to continue as husband and wife and were ready to sign in court in Dec 2021 but got a date in Jan 2022 as judge was absent.NOW, on 29th Dec we got to know that we are expecting. She cried saying she does not want the baby while I feel we should go ahead. The gynaec said at 37 years, it was not too late given that we conceived naturally and she does not have any chronic issues (her reports showed possible onset of diabetes, low haemoglobin levels which doctor said can be treated). We fought again as she said she still wants to tour the world, has her hands full with the first kid and is not mentally and emotionally prepared. My father and I spoke to her. I called upon her father who sided with her. Finally on 5th Jan she conveyed that she was firm on abortion. I said I am not part of this decision as I still feel we can afford the baby and it will strengthen our bond. We have access to the best of doctors who can ensure a good pregnancy. But she was firm so I asked her to 'Do whatever you want. I will not participate'. I asked her to go and stay with her parents until her bleeding stops and come back to my son and me. But I warned her that this act could have consequences, however much we try not to.WHY? Because I feel cheated. Voiceless. Helpless. Powerless. Hurt. Aggrieved. Sad. Guilty. She took the decision independently and was completely detached emotionally from the 6-week baby so as to abort.I am scared to say 'We will continue as husband and wife' in our end-of-trial-period hearing next week. What if she continues to be as stubborn and backstab me each time. I could go into depression. I am seeing a pattern in her behaviour.She hasn't changed -- may be the first 6 months were a farce. She is cold-hearted, manipulative and stubborn. She leaves me when she wants, denies me access to my son in an arm-twisting tactic, makes amends when it suits her and aborts at will. I fear I am setting myself up for bigger betrayals ( last month, she and her parents showed me flats costing ~4 crores because she wants to own one.I bought one for 1.5 crore in 2019 where we are residing right now, in my and my father's name. 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Ans:

Dear Unknown,

<>I do empathise with whatever you have shared with me. As long as you are willing to offer your emotions to be played with, you will be ping-ponging from one end to the other.

I understand that you wanted to give your marriage a fair chance; and things started to get better in the three months.

But I do fail to understand why you wanted her to go through the pregnancy especially after health challenges that she might have faced. And to keep her away especially when she needs to be with you and the child, is not something that is going to work in anyone’s favour.

Firstly, figure out this: What are you punishing her for? Are you angry with her for walking out on you in 2016 and the treatment meted out to you then and is this anger now mounting on her not wanting the pregnancy?

They are two separate events and need to be looked at separately. To displace anger from one event and map it onto the other, doesn’t show emotional maturity; it will only make matters worse for you.

Things were getting back to normal; and do respect a woman’s choice of having the baby or not…after all, she has to carry the baby within her for 9 months and when it is telling on her health, why shouldn’t you support her as her husband?

You felt cheated the first time; this time it was a decision that needed none of the past feelings coming into it.

If you do want to continue the marriage, it will be a wise decision to live under the same roof, clear all the past unresolved issues and find a way to move ahead. And also, think of the implications this is having on your son who has already experienced so much.

Do the right thing; for you, for her and for the child.

All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 23, 2023

Asked by Anonymous - Mar 19, 2023Hindi
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Madam, I am 61 years old , retired from Govt service an year ago. I have a problem in my family. Though my wife is a post graduate, she refused to take up any Job and wants all others including her in laws to give her money eternally. Misbehaved with my parents & sent them out of our house for their supposed conservative style and refused to allow my sisters family on a visit and quarreled with me on this ground time & again. She quarrels with me on silly issues loudly infront of kids. She reflects her mother`s attitude in dealing with my parents & relatives. Later She re-started her love affair with her ex lover . Fed up with quarrels at home and keep her away from unwarranted affairs, I decided to go abroad and took her also with me with our 2 daughters. There again, she started another illicit affair with my classmate cum colleague (whom i knew for 2 decades and i treated like a brother and was already married with kids). After 18 months of secret affair , behind me, they finally disclosed and wanted to elope leaving their families behind. Stunned by their ghastly betrayal , I sent my family back to India and also reported the matter to boss, who repatriated that Traitor back. I had to forgive my wife for sake of my Daughters who were aged 12 yrs and 9 yrs then. I am unable to come to terms with their ghastly actions though 2 decades have since passed. We sleep in separate rooms and I have no physical relation with her, ever since as our marriage is over for all purposes. I believe that mutual Trust & respect are the foundations of any marriage. Both are lost in our case. Now my daughters aged 31, 29 are Post graduates but are sitting idle at home wasting time in TV and refuse to do any job as their mother keeps telling them why should women work ?. They refuse to receive any external counselling nor willing to get married nor take up a job nor pursue any studies. They are financially dependent on me. I am now retired and live on Govt Pension. They refuse to understand the reality around them. They have no friend either in Relatives or in their college circles. What to do with their Intransigence? .
Ans: Dear Anonymous,
At 61, you look back and reflect; what choices have you made that has led you to be where you are right now?
Have those choices robbed you of your peace of mind and a better life?
If Yes, it still isn't late to rework and revisit those choices and make better ones.

But for that, this obsession with their ghastly affair must end. The more you are focused on the past, it becomes difficult to create anything beautiful for today and tomorrow. Yes, you felt hurt and were in pain, but to continue to feel the pain is a choice and that is only going to make you more bitter. Consider what is happening with your marriage; you might have to accept that this is the way it will be. If you are not happy with this, then think of what you want to do about it.

It's a good thing that you have begun to focus on your children. They seem to be in need of focus and direction. Since they are adults, it's time you gave them an ultimatum to find a job and move out of home. It sounds cruel, but at times, as a parent you need to do the right thing for your children. So, act NOW and without hesitation.
As for you, as you decide what you want to do with your marriage, involve yourself in social circles and hobbies, travel etc. It will give you a distraction and also a way to calm your mind to take decisions.

All the best!

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Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 28, 2023

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Relationship
Hi Anu, I am 44 years old man and I have unsuccessful married life as my wife didn't like be in the relationship with me within 7 months of our marriage. We married in the year 2013 and she annulled me in the year 2014. She is hyper sentimental and egoistic. She only loves money and her parents. We had exchanged some words (just like it happens in every married life). I tried to make her understand that if she don't get a job I will support her so that she can get a job. But she didn't pay attention to my request. She filed Mat suite for divorce with false allegations and I have filed a restitution of conjugal right case . She lost her divorce case and I won the RCR case. But despite magistrate order and my request she didn't turn up and filed 498A, DV Act and 125 CrPC tagging most my relatives with false evidences two years back. I fought all cases and during this time I lost my father. However again she lost DV case and Supreme Court ordered lower court to discharge everyone if they do not found us guilty as we have sufficient proof. Her lawyer started taking tricks by requesting for short span for each hearing date. As my mother's health is not well and I leave in South India, it was difficult for me to attend every hearing date. So, I decided to give up and signed the divorce petition on mutual consent. I tried my best to bring her back, but I failed. Everyone is asking to start the life in new way, but I am really shocked and in trauma of the mental torture and harassment. I am thinking that is it good start the life again in this age ? Will the new life partner take similar steps to harass me again ? Please advice.
Ans: Dear Sanju,
I can only imagine the unrest that you must be feeling right now.
Regarding your question on mental torture and harassment; I do understand how unnerving it must be for you to wake up every morning and stare at the harsh reality of what it is for you. Nevertheless, beaten down but not yet given up is something you must always remember.
It is natural to think that history repeats itself; but you cannot assume that the next person you meet will be the same. Do not enter into a relationship or marriage with this assumption; what might tend to happen is that you will hold yourself back and your partner will always feel that you are being distant from them.

Do understand that the context of marriage is the same, but the persons in question are different. It's like saying: I failed in Math, so Math is a bad subject and I will always fail! Get a hang of what I am referring to?

Take some time off to heal and be at peace and remind yourself that you deserve happiness and marriage form of a beautiful relationship that can make you happy. For now, tell 'everyone' who is asking you to start a new life to give you space to reflect on:
- What can I do different in the next relationship that I pursue?
- What more can I do for my partner that I didn't in the previous marriage?
- What are a few core values of mine that I want to see in my partner as well?

And no use starting a new life by thinking if your new life partner will harass you as well. Instead step in telling yourself: New relationship, new person, new thoughts, new life goals, new...The word NEW, should give your brain something NEW to chew on discarding the old.

All the best!

..Read more

Anu

Anu Krishna  |836 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 25, 2023

Asked by Anonymous - Oct 09, 2023Hindi
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Relationship
I have 28 + years of frustrated and abusive and absolutely unsatisfied marriage. It was arranged but involved bitterness from both sides. My father did my relationship because of temptation and so many false facts from the in -laws' side. I was not interested but due to family compulsions I couldn't resist. Somehow i feel sad that my father got trapped due to greed and always feel bad about him, my mother was illiterate and did not have much opinion on anything. It was full of falsehood and cheating. I am very simple and minimalist persons, just after marriage wife and inlaws started torturing me to breakaway from my parents, being alone son and with the help of sisters managed parents with lot of difficulties but thought time will heal. I was thinking of separation just after 6 months but somehow was in difficult shape, couldn't ask. Meanwhile Father in law died and i thought it's inhuman to give separation at this critical time and accepted my destiny, My wife was very clever and managed balanced relation till her brother and sister got settled and we decided to welcome kids and blessed with two sons but after all her responsibility over, she again showed same behavior rather more aggressive and color and i almost separated from parents. I am in Govt service and was threatened to file a false case, with all difficulties, managed with balancing, hiding something here and there. After the death of parents , things worsened and she is eying on all property of inheritance to be sold . I don't trust her at all , I want to give all to my sons and then quit. She always threatens , i want to be separated and live my old age peacefully alone without any property but all I want to give to my sons , not to her . Please suggest a way , I am afraid she can file a false domestic violence case or even to give me poison . I am very tense nowadays and my health is deteriorating.
Ans: Dear Anonymous,
Never live in fear because that can always be used by someone who is searching for an opportunity to meddle with your life.
Deal with this fear in two ways:
1. For fear of false case filing against you, kindly approach a lawyer who will guide you on how to protect your assets
2. For fear of the way your life is moving about in an unsettling manner, do work on it rather than fear it
- Separation or not, will have to be decided by you and your wife and make it as amicable as possible...
- If there are chances of reconciliation, do lay down some ground rules for both of you which includes deeper level of communication, deeper listening, trust building...

Most relationships sour over a period of time, because 'taking for granted' seeps in, there are unrealistic expectations for one another, children become an excuse for not spending enough time each other, family members somehow get into the equation which allows little room for the couple to understand one another...
the list goes on...
It simply means: Marriage is something that needs constant working on...it requires time, energy and effort...

All the best!

..Read more

Kanchan

Kanchan Rai  |175 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jan 26, 2024

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Madam, Thanks for your prompt reply. In the interest of the future and overall wellbeing of my family, I had provided several chances for rectifying her behaviour but to no avail. All false promises and cheating with impunity. She has also threatened by sons against disclosing the situation to me, all these years. She has taken mis-advantage of my tolerance, did not mend her ways and has shown a very bad example to my kids. Such irresponsible outright impune behaviour must not go unpunished (in the proper legal way)
Ans: Dear Abhijit

Divorce and betrayal can be emotionally taxing. It's understandable that you might be seeking a sense of justice and accountability for the actions that have hurt you and your family.Consult with a lawyer to get a clear understanding of your legal options and the potential outcomes of pursuing a case against your ex-wife and her partner. They can provide guidance based on the specific laws applicable to your situation. Ensure that your primary focus is on the well-being of your sons. Divorce can be especially tough on children, and their emotional health should be a top priority. Focus on your personal growth and healing. Sometimes, moving forward and building a positive future for yourself and your children is the best form of "retribution". Consider whether pursuing legal action will truly bring you the closure you seek. Sometimes, the legal process can be lengthy, expensive, and emotionally draining. Assess whether it's worth the investment of time and energy for the outcome you desire.

..Read more

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Shekhar

Shekhar Kumar  |117 Answers  |Ask -

Leadership, HR Expert - Answered on May 03, 2024

Asked by Anonymous - Apr 23, 2024Hindi
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Career
My daughter is completing her BSc Bioinformatics in 2024 and wants to switch to MCA. Will it better than MSc Bioinformatics? Please advise what to do for getting a good job.
Ans: Both M.Sc. Bioinformatics and M.C.A. (Master of Computer Applications) have their own merits and can lead to rewarding career paths. However, the choice between the two depends on individual interests, career goals, and preferences. Here are some reasons why someone might consider M.Sc. Bioinformatics over M.C.A.: Individuals with a strong interest in biology, genetics, and computational sciences may find M.Sc. Bioinformatics more appealing. This program integrates biological sciences with computer science, allowing students to apply computational methods to analyze biological data and solve complex biological problems. It opens up career opportunities in diverse sectors such as biotechnology, pharmaceuticals, healthcare, genomics, and academic research institutions. Graduates can work on projects related to drug discovery, personalized medicine, genomics research, agricultural biotechnology, and more. It offers an interdisciplinary approach, combining knowledge and techniques from biology, computer science, statistics, and bioinformatics. Students develop a broad skill set that is highly relevant in fields where biological data analysis and computational modeling are essential. With advancements in genomics, proteomics, and bioinformatics technologies, there is a growing demand for professionals skilled in bioinformatics analysis and interpretation. Graduates with expertise in bioinformatics are well-positioned to address the challenges of big data in the life sciences industry. M.Sc. Bioinformatics graduates have the opportunity to contribute to scientific research and discovery by leveraging computational methods to analyze biological data, identify patterns, and gain insights into biological processes. Their work can lead to breakthroughs in areas such as disease diagnosis, drug development, and precision medicine.

While M.Sc. Bioinformatics may offer unique advantages for individuals interested in the intersection of biology and computational sciences, it's important to consider personal interests, career goals, and job market dynamics when making a decision. Ultimately, both M.Sc. Bioinformatics and M.C.A. have the potential to lead to fulfilling and impactful careers, and your daughter should choose the path that aligns best with her aspirations and strengths.

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Career

Career Coach  |37 Answers  |Ask -

Workplace Expert - Answered on May 03, 2024

Asked by Anonymous - May 02, 2024Hindi
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Career
I am a 41-year-old consultant working for an IT firm for the past 16 years. Lately, my job has been very demanding. I have been working 14 to 16 hours at work, with no weekends or holidays. The work pressure is taking a toll on my physical and mental health. I was unwell for two weeks and have been advised by doctors to consider taking up a less stressful job. I have a masters in finance. Do you have any suggestions on what alternate career options I could consider?
Ans: Absolutely, it sounds like you've been burning the midnight oil for quite some time! It's crucial to prioritize your health and well-being, especially when the demands of your job start to affect you physically and mentally. Let's explore some alternative career avenues where you can still leverage your expertise and experience in finance without the overwhelming stress:

1. Financial Technology (FinTech) Specialist:

Step into the world of FinTech, where your expertise in IT and finance can revolutionize traditional banking and financial services. By developing innovative solutions that streamline processes and enhance user experiences, you'll contribute to a more efficient and accessible financial ecosystem, all while enjoying a less stressful work environment compared to client-facing roles.

2. Cybersecurity Analyst in Finance:

Protecting sensitive financial data is paramount in today's digital landscape. As a cybersecurity analyst specializing in finance, your dual proficiency in IT and finance equips you to safeguard financial institutions from cyber threats with precision and expertise, all while enjoying the stability of a role focused on risk mitigation rather than high-pressure client interactions.

3. Quantitative Analyst (Quant) in Finance:

Dive into the world of quantitative analysis, where your technical prowess and financial insight can drive data-driven decisions in portfolio management, risk assessment, and trading strategies. By leveraging your combined knowledge, you'll excel in roles that prioritize analytical rigor and strategic thinking, offering a more predictable and structured work environment compared to consultancy roles.

4. Financial Systems Analyst:

Become the bridge between IT systems and financial operations within an organization. Your ability to optimize financial software systems while ensuring compliance and efficiency will contribute to smoother workflows and reduced stress for finance teams, offering a rewarding blend of technical problem-solving and financial acumen without the demands of client-facing roles.

5. Data Scientist in Finance:

Unlock the power of data in the financial sector, leveraging your expertise in IT and finance to extract actionable insights from vast datasets. By applying advanced analytics and machine learning techniques, you'll drive informed decision-making and strategic planning, all while enjoying the autonomy and intellectual stimulation of a data-driven role with less client pressure.

In these specialized roles, your unique blend of IT and finance knowledge positions you for success in environments that prioritize innovation, efficiency, and strategic thinking over relentless work hours and client demands. By capitalizing on your strengths and pursuing a career path aligned with your interests and well-being, you can achieve professional fulfillment without sacrificing your health and happiness.

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Moneywize

Moneywize   |102 Answers  |Ask -

Financial Planner - Answered on May 02, 2024

Asked by Anonymous - Apr 20, 2024Hindi
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Money
I have submitted my Form 15 to my bank in April 2023. My income falls under the non-taxable category against interest received from bank FDs. Bank has not deducted any TDS up to September 2023 but from October 2023 they have started deducting TDS on FD interest earned by me saying that interest earned on my FDs have crossed the limit of Rs 5 lakh. Is the bank right in deducting tax citing this reason? Please enlighten me.
Ans: No, the bank is likely not right in this case. Here's why:

• Form 15G validity: A valid Form 15G submitted before April 1, 2023 is applicable for the entire financial year 2023-24 (assessment year 2024-25). This means if your income falls under the non-taxable category, the bank shouldn't deduct TDS on your FD interest for the entire year.
• TDS exemption limit: The current exemption limit for TDS on FD interest is Rs 40,000 for individuals below 60 years old, and Rs 50,000 for senior citizens (above 60 years old). There's no limit of Rs 5 lakh for TDS deduction on FD interest.

Here's what you can do:

• Reach out to your bank: Inform them that you submitted a valid Form 15G and your income falls under the non-taxable category. You can clarify the exemption limit and point out the mistake.
• Request rectification: Ask the bank to rectify the error and reverse the TDS deducted on your FD interest from October 2023 onwards.
• Seek professional help: If the bank doesn't resolve the issue, consider seeking help from a tax consultant or financial advisor. They can guide you further on how to claim a refund for the deducted TDS.

Additional points to consider:

• Ensure you have a copy of the Form 15G submission acknowledgement for your records.
• Keep a record of any communication with the bank regarding the TDS deduction.

By following these steps, you should be able to resolve the issue with the bank and avoid unnecessary TDS deduction on your FD interest.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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