Payment to nri

I am having two NRO accounts.One in Axis Bank and another in ICICI Bank.Both the account are opened as NRO accounts.I am getting interest on saving balance as well as on Fixed Deposit.But the problem is one bank is deducting TDS on interest @ 10% under section 194 and another is deducting TDS @ 30.9% under section 195. I want to file the return and claim refund.

Please guide me the way to file the return.

Thanks in Advance....