₹50 Lakh Loan: Is Your ITR Strong Enough?
₹50 Lakh Loan: Is Your ITR Strong Enough?
Bahut log business loan ke time bank jaate hain
aur sochte hain collateral ya property sabse important hoti hai.
Lekin reality thodi alag hai.
Bank sabse pehle aapki pichli 2–3 saal ki ITR dekhte hain.
Wahi decide karta hai ki aap eligible ho ya nahi.
Chaliye simple language me samajhte hain.
Bank ITR Me Kya Dekhta Hai?
Bank mainly check karta hai:
Declared turnover
Net profit
Tax paid consistency
Growth trend
Existing liabilities
Agar income stable aur growing hai,
to file strong mani jati hai.
Sabse Common Problem Kya Hoti Hai?
Log tax bachane ke liye income kam dikhate hain.
ITR me ₹5–6 lakh profit dikhaya,
lekin loan ₹50 lakh ka chahiye.
Bank simple logic follow karta hai:
Low declared income = High risk borrower.
Phir file reject ya heavily reduced sanction milta hai.
Kitni Income Par ₹50 Lakh Loan Possible Hai?
Exact number case par depend karta hai.
Lekin generally:
Healthy turnover
Consistent profit margin
Reasonable debt ratio
Clear banking transactions
Yeh sab milkar loan eligibility decide karte hain.
Sirf turnover high hona enough nahi hota.
Net profit important hota hai.
ITR Weak Ho To Kya Hota Hai?
Loan amount kam ho sakta hai
Higher interest rate mil sakta hai
Collateral demand badh sakti hai
Ya file outright reject ho sakti hai
Bank emotional decision nahi leta.
Pure numbers dekhkar decision hota hai.
Loan-Ready ITR Kaise Banayein?
Income realistic dikhayein
Business expenses properly structure karein
Cash transactions kam rakhein
Regular tax filing karein
Last 3 saal ki consistency maintain karein
Short-term tax saving ke chakkar me
long-term loan capacity damage mat karein.
Conclusion
ITR sirf tax return nahi hota.
Wahi aapki financial reputation hoti hai.
Agar aap future me big loan lena chahte hain,
to aaj ki filing strategy strong honi chahiye.
Bank aapki story nahi sunta.
Woh aapki ITR padhta hai.
Written by:
Abhishek Gupta
Chartered Accountant
Office No. 19, Sagar Building, 4th Floor, Plot-327,
Narshi Natha Street, Masjid Bunder (West),
Mumbai – 400009
📞 9324776120
🌐 www.consultguruji.com