Filing of ITR U for FY 2020-21

This query is : Resolved 

04 February 2023 Sir, I have already filed ITR for FY 2021-22, but missed to file ITR for FY 2020-21 due to some unavoidable reasons. My queries are :
1) May I file ITR U for FY 2020-21 now ?
2) May I claim refund in ITR U ?
3) May I file the ITR U if I am ready to pay required tax/penalty and waive the refund ?

The filing of ITR is required by me for availing bank loan sir .

04 February 2023 1) Yes
2) No
3) Yes


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