Dukandaar, vyapari, freelancers, consultants aur professionals — sabhi personal loan le sakte hain. Naukripesha se farq sirf itna hai ki lender aapki income kaise pakki karta hai.
Income kaise check hoti hai
- ITR — aksar pichhle ek-do saal ka, income computation ke saath
- Bank statements — main account mein regular paisa aana, average balance aur koi bounce nahi
- Business ki continuity — business ya practice kitne time se chal rahi hai
- Business proof — GST registration, Udyam certificate, shop licence ya professional registration
Tips
- Income bank account se guzarein — lenders wahi gin paate hain jo unhe dikhe.
- ITR aur GST time par bharein; regular filing income ka sabse saaf saboot hai.
- Personal aur business accounts alag rakhein, par dono theek se chalayein.
- Statements digitally Account Aggregator se share karein — aapke cash-flow ki pakki tasveer.
Personal loan ya business loan?
Agar paisa business ke liye hai — stock, machine, working capital — to aam taur par business loan behtar rehta hai. Personal zarooraton ke liye personal loan theek hai. Dekhein documents aur eligibility.