The income tax return for A.Y 2019-20 can be filled only after depositing penalty u/s 234F of Rs. 10,000 if total income exceeds Rs. 5,00,000 (Rs. 1,000 in case total income is below Rs. 5,00,000) if you file After 31st December, 2019 but on or before 31st march, 2020. – Atul Mangal Co

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In case you are not the primary account holder in a joint account in any bank then while filling your income tax return avoid providing such account details as your refund from income tax department may not come in that account. So provide only the other bank account details to get your refunds timely.

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