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14 September 2014 can we file return of income for past 3 years.. i.e for FY11-12 12-13 &13-14.. and how do the banks decide wether to grant loan or not.. i mean to what income group do they alot loan amount say if i want 10 lakhs home loan... how much income i should have for that???

14 September 2014 to answer first question, you can only file for FY 2013-14 and FY 2012-13.

The quantum of income required for availing loan will vary from bank to bank



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