[searchableguy]

1. You should not be subjected to TCS if you are not an Indian resident. Perhaps you did not convert your bank account to NRE?

2. You can file tax return and get a refund if your tax liability is nil or lower than tax collected at the end of the financial year.

This still doesn't make this situation better but it is not a charge, just an advance tax automatically deducted which needs to be adjusted or claimed back.

[nish93]

Agreed with this comment, the 5% is applicable for Indian residents, not NRIs. If the tax status and bank account was not updated to NRI, this would have been incurred.