HOMELOAN

Hi sir,

For taking Home loan banker will ask for 3 years IT return. so now u have to file the return for last 3 years even though ur income is less than the tax slab. 

Dont worry u dont want to pay any fine for delay return as u dont have any tax liability.

For filing your return u can contact me. my contact no. 9941013071.

Thanks & Regards

R Shriram