Usually banks are required under law to deduct TDS on interest income from Fixed Deposits if the income earned exceeds Rs. 10,000 in a F.Y.
If the bank has your PAN details then it will deduct 10% TDS from your account.
However, if your PAN details are not available with bank then it will deduct 20% TDS from your account.
In case qualify as a tax resident of any other country and wish to take the benefit of lower tax rate prescribed under the tax treaty with that particular country, you can submit the copy of your tax residency certificate with your bank. It will then deduct the taxes at rate applicable under tax treaty.
How to find details of TDS deducted?Read more