filing it

It return can be filed for any amount of income, be it Rs. 1/-

It return can be filed for any amount of income, let it be Rs. 1/-

Not even bank interest income in savings account!!

Unless taxable income cross basic exemption limit, no tax liabilit arise, even if return filed. (be within due date or belated.)

you want to avail a bank loan and file a nil return? how does the logic works here?