Back dated return filling for loan purpose.

Without Tax you cannot file return.  Tax cannot be paid with a back date. Hence filing three year returns at a time is not possible that too with a back date. You may file paper return in the local Income-Tax Office which may be lodged or regularised with a notice or file two years' returns now with a moth gap and the third after March.  Postpone your Loan Plan for 6 months. Or convince the Bank Manager that your business is new and you went into Tax Bracket only in 2014 and 2015 Financial years. 

I request the accounts assistants to suggest right & lawful acts fitting into the frame work of the Tax law.  Filing some return in Income Tax Office may lead to issue of notices u/s. 148 which may push the assessee into troubles if entered in inward register.  If not, the banker may enquire or write for confirmation of filing, if it is proved otherwise, the assessee may loose his credibility with the banker and face trouble with the Department.