ITR, GST turnover or banking surrogate — each route can give you a very different eligible amount for the same business. Pick the income proof you actually have and see an estimate in seconds, no CIBIL impact.
Choose the income proof route that fits you best. Different routes assess the same business very differently — try more than one if you're not sure which applies.
This is a directional first-pass estimate using standard eligibility-multiplier logic — not a lender's actual underwriting output. Real eligibility depends on the specific lender's income-assessment policy, CIBIL score, existing obligations and property, and can vary 30-50% between lenders for the same file. Not a loan offer or guarantee of approval.
Get My Exact Eligibility Confirmed — Free| Route | What's assessed | Typically fits | Trade-off |
|---|---|---|---|
| ITR / Profit-based | 2-3 yr average net profit + depreciation add-back | Established businesses, healthy declared profit | Standard rates, full LTV, but limited by conservative declared profit |
| GST turnover | GST returns + a margin assumption on turnover | Traders & service businesses with high turnover, modest declared profit | Can give a higher amount than ITR, but only where GST filing is clean and current |
| Banking surrogate | 6-12 month average bank balance & credit pattern | Cash-heavy businesses, thin or no ITR history | 0.25%-1% rate premium, and usually the most conservative eligible amount |
| Professional program | Qualification + gross receipts | Doctors, CAs, architects, engineers | Higher multiples and lighter documentation, but only for recognised qualifications |
Run the estimate on more than one route if you have the documents for it — many self-employed borrowers qualify for meaningfully more through GST or banking-surrogate assessment than their ITR alone would suggest, especially if declared profit is conservative for tax reasons. We compare all applicable routes across 30+ lenders and put forward the ones that maximise your eligible amount without pushing you into an unnecessary rate premium.
Share your actual ITR, GST or banking numbers on WhatsApp — an advisor will confirm your real eligible amount across 30+ lenders, free of charge and with no CIBIL impact.
Get My Real Eligibility ConfirmedShare your details — we'll check your actual ITR/GST/banking profile across 30+ lenders and confirm your real eligible amount, no CIBIL impact.