You’re right. In India, even if TDS is deducted, you’ll only receive your refund smoothly if your filing is spot on. I recommend starting by reviewing your Form 26AS and AIS.

These documents show exactly what the government has on record, allowing you to spot any mistakes early. Correct numbers now make everything quicker and help you avoid frustrating notices from the Tax Department.

With this CIBIL score, you can easily get the low-interest personal loan.

SBI gives a personal loan at just 9.60% per annum. HDFC Bank gives personal loans at 10.75% per annum. Axis Bank gives you a loan at an 11.50% interest rate. PNB provides loans at a 9.90% interest rate. Bank of India provides personal loans at a 10.25% interest rate.

All the banks provides flexible repayment terms, which ultimately give you the facility for early repayments.
HDFC Bank and Axis Bank give you a faster loan than any other bank.