If you've experienced a 20% TDS deduction due to not having your PAN updated, you can take steps to get a refund. First, ensure that you update your PAN with your bank. Once that's done, request the bank to revise the TDS return. After these steps, proceed to file your Income Tax Return (ITR), through which you will be able to claim and receive a complete refund of the excess TDS deducted. | CA Subin VR