should not be an issue, as long as your total takehome is more than 5 lacs (9 lacs), no issue at all about deduction exception, if you are really looking for an upgrade then you should go ahead and ask for the upgrade.I have income of around 9 lakh
But I have Taken deduction exception due to which ITR is below 5lakh
Don't know what to do
Guys- update on this. Picked this up with RBI.Agree - have escalated to creditcardho@pnb.co.in
Next will pick it up with RBI