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Income tax return filing: Nil tax liability, but need ITR for a home loan, where to start?

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 ...
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Earning below taxable limit? Filing a Nil ITR could still save you money; see how

A Nil Income Tax Return (ITR) refers to an income tax return where the taxpayer has no tax liability. This typically occurs when an individual's income does not exceed the basic exemption limit ...