New Delhi, Jan. 29 -- I have never filed my ITR, as my tax liability has been nil. Now, I am planning to apply for a home loan, so I would need to present ITR to the bank. I want to file my ITR online alone as I cannot afford to pay to CA. I have registered and also downloaded the form to see what information has to be filled. As expected, I have many doubts, such as in other incomes, do I have to show interest income from my savings account, do I need to claim deduction under 80C for PF contribution (though it would not make difference as my tax return is zero). Also, for what years, should I file the tax return, I mean for the previous year 2022-23 (assessment year - 2023-24) or the previous year 2023-24 (assessment year - 2024-25) or a...