Can I add my wife as co-applicant in my Bank account for FD to save tax ?

Hi Friends,

I want to open a FD with my wife name, just to save TDS amount since she is a housewife and don’t have any income.

But she don’t have any bank account so I am planning to add her as a co-applicant in my existing SBI account for this reason.

So my understanding is after adding her as a co-applicant and opening FD with her name, TDS is not applicable and will get full interest without any deductions. Is my above understanding is correct?