Unintentional non filing of income tax return

An assesee failed to file income tax return for previous year 2012-13 relevant to A.Y.2013-14 and she received the notice from the income tax department to clarify the reasons for non filing .Notice of the income tax highlights the given two reasons for issance of notice-fd exceeding 100000 and tds u/s 192a. Assessee retired on 30/06/2012

assessee is state government employee and received rs.1200000 including GRATUITY , PF AND LEAVE ENCASHMENT AND THREE MONTHS SALARY upto 30/06/12 she has made FD worht rs.1100000 out of above money and got interest worh rs. 10987/- for ay 2013-14 

kindly suggest me the suitable reply to be drafted to income tax department