Efiling

A Govt employee having income of rup 12 lakhs....and in addition to that he has 3.5 lakhs of LIC commission received....in both cases rup

1.55 lakhs of TDS deducted. Now we are trying to e-file return when I entered lic commission under other source we are getting additional tax liability of one lakh. Shall I opt for presumptive taxation under b/p ??? And can I file itr 3 ??? Instead of ITR 1 ???