29 October 2013
to get refund you should get credit for tds deducted by your bank to your form 26AS . . it is possible only if your bank file revised TDS return quoting your pan number and tds deducted from you . . it is your mistake of not providing pan card to bank,,so provide pan to bank immediately and request them to revise tds return
29 October 2013
to claim the credit of TDS, you need to provide your pan details to the deductor and request him/her/it to revise the relevant TDS return. Otherwise, you cannot claim the TDS credit.