• Income tax filed to get TDS back on fixed deposit made in savings account when being in NRI status

Hi Team,
Background: My status is NRI from definition of RBI or Indian Income Tax Department as I am in USA since two years. I have been filing my taxes online since 10 years and my Aadhar card , PANCARD is all linked to income tax site.
Till now the claim(refund) which I have been making while filing tax returns were under section 195 (as per 26AS) from the savings bank(not NRO) and NRO Bank Accounts.The range of refund form income tax department was from Rs.300 to 1000 and refund was given to my savings account within 30 to 60 days.This year also 2019-2020 I filed the tax on 23rd June for a return of Rs.9000( 10% of Rs.90000). The difference was that I did some fixed deposits in 2018 in my savings bank account which I have broken in May 2019 due to medical emergency and the interest I got from it had TDS deducted under section 194A.
Please find my questions.
1. 194A means TDS deducted for residents. Mine was also deducted but I am a non resident since two years. In previous taxes 26As the savings bank deducted amount which was shown under section 195 which is for non residents. Question is this year I had in my 26As amount deducted under section 195 and 194A both.Is me claiming the TDS on 23rd June for deductions on FDs(194A) not as per the laws of Income Tax department and will they ask me to explain something via notices or will they refund this money. I need some use cases from you all for what has happened to your customers who were in similar situation like me and what did the income tax dept do to them. Did they got the refund or they were asked any questions. 
2. If any notices come how will I handle it. Means if I say to income tax I do not need this Rs. 9000 refund will the matter close or I need to explain something which they ask. I was thinking if they ask anything I will ask them not to refund. Is it possible for me to do that if notice come. What are other ways of handling it.
3. The cause of worry is my money is not refunded till today since June 23. Earlier my refund used to come in 30 days for returns filed for TDS under section 195. Is there any reason for the delay for refund this time for the return filed under section 194A.
4. . Under FEMA regulation, savings bank account should be converted to NRO for NRI Due to hassles of conversions and reconversions back to savings account when you return form USA I did not do it. Let's say if the government give me back my money for this year return which I filed, then should I file the return again next year as 194A section will still come due to Fixed deposit breaking was done on May 2019. Or I should not claim that money going forward by not filing return as my income in India is below Rs. 250,000 (no rent, no business, only small amount of interests from savings bank)
5.I was planning to retain my Savings bank account. Will it be considered crime. Means will RBI fine me under section 13 FEMA. Does is hold good for my case. What is the law and will I have any implication.