Loan query

Sarita devi a lady provides on rent jcb for excavation . She has to take a mortgage loan of 25 lakh . For A.Y.2012-13 & 13-14 .SHE has filed online return timely but didnt sent to cpc bangalore so in efiling site the status showing is return uploaded. She didnt send becoz of fear of service tax obligation that may be imposed .we have to prepare document for mortgage loan of Rs. 25/- lakhs. since the time period of signing and sending the return to cpc has lapsed in both a.y and return without being processed has no value How shall I deal with it. does bank cross check if return is processed .