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Do I need to file income tax return in India if income is below 2 lacs per year ?

Hi,

I am currently working in Singapore and go to India only once or twice a year.My interest income in India is less than ~2L and i am not getting any part of my salary there.

Do i still need to file income tax return in india? How will it effect if i have to take any loans there as that would require income tax returns.

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