Income tax e - filing for 2010-11 & 2011-12

Dear All ,

I am planning to take home loan & now the bank wants my IT return for the past 3 years ,

For A.Y. 2013-14 i have received FORM 16 from my employer , whereas for A.Y. 2014-15 i will be receiving FORM 16 by JUNE 14

For A.Y. 2012-13 - i was a student ,

please suggest in this circumstances how i am suppose to file my last 3 years ITR returns , as d due date is already over for A.Y. 2012-13 & 2011-2012.

Regards