Income nil return for the ay 2012-13, 2013-14, 2014-15

Santhosh Thaikkadan (CS Professional Programme Student)   (876 Points)

23 July 2015  

dear professionals,

How can file income tax return (Nil return) for the AY 2012-13, 2013-14, 2014-15 in this year. For getting housing loan from banks in my district income tax return is mandatory . Please help me friends