If your total Indian income exceeds Rs 2.5 lakh, you must file an income tax return, regardless of whether you are a resident Indian or an NRI. 

Even if you don’t hit this threshold, it’s a good idea to document or e-file your income tax return. An income tax return is an important record to keep at the time of profiting from home credit because it reflects your fiscal leverage and stability, as well as your willingness to repay a loan. 

If you wish to study in another country or work outside of India, you’ll need at least three years of experience.