Form 16

you can file return of your own based on salary slips.

Dear Vishal,

You have not mentioned whether your employer has deducted any TDS during the year or not ??? If he has deducted, then he has to issue Form 16. If he has not done so then you may file return on your own as per Mr. Sharma. That would work for your loan purpose.

Also, banks would ask for salary slips & Tax returns. They won't ask for Form 16 as I believe so. Please correct me if I am wrong.

if tds is deducted than form 16 will be issued by employer

Dear Vishal 

If your employer has deducted NIL TDS from you then he may not issue you any Form-16 for the relevant period.

In such case you file your Income Tax Return  based on your salary slip as advised by  Ashish. The Income Tax Return Acknowledgment will solve your purpose.