Even if all income tax is paid by your employer, you have to file income tax return.
Individual investors fill up Form 15G and 15H to avoid tax deduction at tax. However, one should take due care while submitting these forms.
Senior citizens may have a certain preference for Senior Citizen Saving Scheme given fall in interest rates. However, do not ignore the tax benefit associated with it while investing and of course the tax liability on interest earned on it.
Online submission of 15H and 15G forms will offer a lot of convenience to the senior citizens. Also it will help tracking the errors, if any.