Can You Get a Business Loan Without ITR? Complete Guide
For many businesses, an Income Tax Return is one of the documents lenders use to understand income and repayment capacity. However, not every business has the same financial records or follows the same documentation process when applying for finance. Depending on the lender and loan product, records such as bank statements, GST returns, financial statements […]
Getting a business loan is not simply about asking for a particular amount and waiting for approval. Before extending credit, lenders need to understand how reliably the borrower has handled credit in the past and whether the business can comfortably repay the proposed loan. This is where your credit profile becomes important. Understanding the
Commercial CIBIL Report: How to Check, Download & Understand it (2026)
Before applying for a business loan, it helps to know what a lender may see when reviewing your company’s Before applying for a business loan, it helps to know what a lender may see when reviewing your company’s credit profile. An unexpected overdue amount, an unfamiliar enquiry or an account that still appears open
Most EPF members put off nomination, treating it as something to deal with later and leaving it buried in paperwork. However, it’s worthwhile to move up the list because a completed nomination is essentially just a small act of preparation that greatly eases the lives of the people you would like to care for.
A UAN rarely gets your attention until you actually need to use it. You may change jobs, switch bank accounts, update personal details, or suddenly need to make a PF-related request, only to discover that an old piece of information is still sitting in your EPFO records. That is where KYC becomes important. A
What is MCLR? Meaning, Full Form, Calculation & Impact on Business Loan Interest Rates
The interest rate on a business loan is not always determined in a vacuum. Some bank loans have lending rates tied to a benchmark, which is an indicator of the cost of funds for the bank. The MCLR was introduced by the Reserve Bank of India in 2016 to bring greater transparency to banks’
When a business applies for financing, lenders need to assess its financial position and ability to repay the borrowed amount. For GST-registered businesses, GST returns can provide useful information about reported turnover and ongoing business activity. However, GST returns are not the only factor considered when determining business loan eligibility. Lenders may also review