dear all the members of caclubindia,i need help on this matter,i have recieved commission income from sahara credit cooperative soceity ltd. as per following details
a.y-2008-09 = rs.2855,tds deducted u/s 194h = rs.294
a.y-2009-10 = rs.7446,tds deducted u/s 194h = rs.759
a.y-2010-11 = rs. 9763,tds deducted u/s 194h = rs.976
a.y- 2012-13 = rs 47659 ,tds deducted u/s 194 = rs 4766
i have no other income except this and i never filed income tax return, my question is ,can i file income tax return in assessment year 2012-13,for all above mention A.Y and claim refund as my total income never crossed exemption limit in any of the A.Y.if yes what is its consequences, plz help