TDS Deduction on gold loan

Hello Everyone, I have not filed an ITR for the past 10 years because my annual income is very low (around 1-3L), but last year due to an emergency, I took up a gold loan from SBI bank and they deducted TDS of Rs 20,000. Should I now file ITR 1 to get that money back? Please advise if there will be any complications because I have not submitted an ITR for all of these years. or if anything else comes up.

Thanks in Advance!