FY 2018 - 19 Return not filed bank required declaration

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My income tax return for FY 2018- 19 not filed, for loan purpose bank required declaration for not filed income tax return, so what reason we give them.. please suggest me....
Replies (4)
Difficult to get a loan
Give the actual reason
Income below basic exemption limit ,if that's the reason!
There is a possibility that ITR filing would have missed even though there was taxable income

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