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Filing of itr4 for ay 2011-12 & 2012-13

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(Querist)
29 September 2012 Dear experts is it possible to efile ITR4 for the AY 2011-12 & 2012-13 if the assessee don't have a bank account in the financial year 2010-11 & 2011-12, and the income of the assessee is below exemption limit.
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Prakash Kochar

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Prakash Kochar (Expert)
30 September 2012 yes, if there is no claim of refund.

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