TDS for Interest and Bank who provides Cash Credit for a term

TDS for Interest and Bank who provides Cash Credit for a term

Hello ZOHO,

Dealing with one of the client, we faced the below 2 major issues. 

1. How do we record TDS on interest that is paid for the Interest as it is mandatory to record. We can record the interest as Expense, although the expense but there is no Place where we can  record TDS. it is possible that sometimes that we receive some services which are Our expenses and we pay upfront for them. And We record them as an Expense, but recording TDS is missing at that point.

2. Bank on the liability Side, here the user has Bank which gives them Cash Credit. These banks are supposed to be on the Liability side. If we keep them on the Asset side the values will be negative and Our reporting Purpose will not be fulfilled. 
If we keep the banks on the asset side. We have to create separate Chart of Account. And then each time I have to transfer money from Bank to Middle account and then into this chart of account. 
Meaning, the one click transaction will become 3 click. And we have lots of such transaction carried through out the day. Thus the solution is not feasible. If we could add banks on the side of Liability, or we can map the banks to the Liability heads of Chart of Account, This could solve the problem for once.