Bank interest in jt account of husband and wife

sir,

I AM GOVT SERVANT AND MY WIFE IS HOUSE WIFE ,MY WIFE HAS INCOME BY WAY OF GIFTS FROM RELATIVES .PARENTSAND SHE PUTS ALL THAT IN MY ACCOUNT 

   NOW INTEREST ACCRUES IN JOINT ACCOUNT WHICH IS DIVISIBLE IN TWO EQUAL HALVES ,BOTH BEING JT  ACCT HOLDERS .

  BANK DEDUCTS TAX AT SOURCE ON WHOLE INTEREST AS PER RULE. SINCE I AM ENTITLED TO 50% OF ACCRUED INTEREST, I ADD 50% TO MY GROSS INCOME AND CALCULATE INCOME TAX AND PAY. 

IS IT CORRECT.SHOULD I PAY TAX ON FULL INTEREST ON JT ACCOUNT AS SOME SO CALLED EXPERT SAY PL CLARIFY IF U COULD

THANKS 

SUNIL