If you are a small business owner, shopkeeper, freelancer, or self-employed professional without ITR (Income Tax Returns), getting a business loan from traditional banks becomes difficult.
But the good news is:

Yes, you can still get a business loan without ITR in India — especially through NBFCs and platforms like ApnaRupee.

This guide explains how it works, eligibility, documents, loan amount, interest rates, and how ApnaRupee helps you get quick approval.

---

What Is a Business Loan Without ITR?

A business loan without ITR is a no-income-proof loan where lenders focus on your bank statements, business proof, transaction history, and overall stability instead of tax returns.

---

Is It Possible to Get a Business Loan Without ITR?

✔️ Yes, it is possible.
Banks usually reject applications without ITR, but NBFCs and fintech lenders provide flexible loan options.

Platforms like ApnaRupee partner with trusted NBFCs to offer quick business loans without ITR with minimal documentation.

---

Who Is Eligible for a Business Loan Without ITR?

You can apply if you meet these basic eligibility criteria:

• Age between 21–60 years

• Running a business for 6 months or more

• Regular business transactions in bank statement

• Valid KYC documents

• Basic business proof (Shop Act, GST, or Udyam)

Even if your business is small or informal, you can still qualify.

---

How Lenders Evaluate Your Profile Without ITR

Instead of ITR, lenders check:

✔ Bank Statement Strength

• Daily/weekly cash flow

• No cheque bounces

• Steady income pattern

✔ Business Stability

• Shop age

• Consistent sales

✔ Business Proof

• GST / shop license / Udyam registration

✔ Credit Score

A good CIBIL score (650+) increases approval chances.

---

Why Apply Through ApnaRupee?

ApnaRupee makes loan approval faster and easier for customers who don’t have ITR.

Benefits of Applying Through ApnaRupee

• ✔ Higher approval rate

• ✔ NBFC partners who accept no-ITR profiles

• ✔ Loan up to ₹25 Lakhs

• ✔ Quick approval within 24–48 hours

• ✔ Doorstep assistance

• ✔ 100% online process

• ✔ Personalized loan matching

---

Tips to Get Faster Approval Without ITR

Follow these strategies to increase approval chances:

• Maintain a clean bank statement

• Register business on Udyam (free)

• Keep PAN + Aadhaar updated

• Avoid loan defaults / EMI delays

• Maintain a CIBIL score above 650

• Keep business sales regular