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Business loan ke liye document: poori list aur har document kyon maanga jaata hai

Business loan ke liye aam taur par paanch tarah ke document lagte hain: KYC (PAN, Aadhaar), business ka proof (GST, Udyam), ITR aur financials, GST return, aur bank statement. Ek bank 6 se 12 mahine ke bank statement aur 1 se 3 saal ke ITR maangta hai. Har lender ki list thodi alag hoti hai.

Loan products, rates, and eligibility are determined by the lenders on our panel. Capnix is not a lender and does not lend its own capital. We run your loan journey end to end.

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Business loan ke liye document: chhota jawab

Business loan ke liye document ki list mein paanch hisse hote hain: pehchaan (KYC), business ka proof, kamai ka proof (ITR aur financials), GST return, aur bank statement. Kisi ek bank ki prakashit list neeche hai. Doosre lender thoda kam ya zyada maang sakte hain, isliye apply karne se pehle lender se uski list le lijiye.

Zyadatar loan reject nahi hote, balki ruk jaate hain: koi ek document kam hota hai, phir doosra. Isliye sab kuch ek saath jodna samay bachata hai.

Ek bank ki prakashit list

Hissa Kya maanga gaya Source
KYC Aadhaar, PAN, passport, voter ID, driving licence Bank of Baroda
Bank statement Pichhle 6 se 12 mahine Bank of Baroda
ITR 1 se 3 saal Bank of Baroda
Financials (balance sheet, profit and loss) 1 se 3 saal Bank of Baroda
GST return Pichhle 6 se 12 mahine Bank of Baroda
Business proof GST certificate, Shop and Establishment certificate, Udyam, company ke liye MoA aur AoA Bank of Baroda
Doosra Bhara hua form jisme credit report nikaalne ki manzoori ho, passport photo Bank of Baroda

Yeh list Bank of Baroda ke page se hai (Bank of Baroda). Har bank aur NBFC ki list alag ho sakti hai. NBFC ka matlab hai Non-Banking Financial Company, yaani RBI ke niyam mein chalne wali loan company jo bank nahi hai.

Har document kya sabit karta hai

Pehchaan aur business ka proof

PAN aur Aadhaar batate hain ki loan kaun le raha hai. GST certificate, Udyam aur company ke kagaz batate hain ki business kanooni roop se maujood hai. Udyam certificate se bank aapki micro, small ya medium shreni maante hain (RBI Master Direction, lending to MSME sector). Udyam registration free hai aur sirf sarkari portal par hota hai (Udyam Registration portal).

Sabse aam galti hai naam aur pate ka mismatch. GST, bank khaate aur registration ke kagaz par naam aur pata ek jaisa hona chahiye. Kahin ek jagah pata badla aur doosri jagah nahi, to lender sawaal poochhega.

ITR aur financials

Financials aapne banaye hain; ITR aapne sarkar ko file kiya hai. Lender ITR ko zyada pakka number maanta hai. Dono mein bada fark ho to file dheema ho jaata hai. Agar pichhle saal ke financials provisional hain, to shuru mein hi bata dijiye.

GST return

GST return bikri ka sarkari record hai. Samay par bhari gayi return sabse saaf saboot hai ki bikri sach mein ho rahi hai.

Bank statement

Yeh woh document hai jise lender sabse dhyan se padhta hai. Isme paisa aata jaata dikhta hai: cheque bounce, mahine ke ant ka balance, aur chal rahi EMI. Har chalu khaate ka statement dijiye, bank ke apne format mein. Ek khaata chhupane se doosre khaate mein uske nishaan dikh jaate hain.

Pehle se chal rahe loan

Chal rahe loan ke sanction letter aur loan statement saath rakhiye. Sanction letter yaani lender ki likhit manzoori. Chhupaya hua karz lender ko bharose ki kami lagta hai.

Girvi (collateral) ho to

Ghar ya dukaan girvi rakhni ho to registry aur malikana ke kagaz, property tax ki raseed aur maujooda bojh (encumbrance) ki jaankari lagti hai. Valuation aur legal report lender khud karwata hai.

Business ke prakar ke hisaab se extra document

Business ka prakar Extra kya lagta hai
Proprietorship Malik ka KYC, GST ya Udyam proof
Partnership Partnership deed, firm ka PAN, sab partner ka KYC
LLP ya private limited Incorporation certificate, MoA aur AoA, board resolution, directors ka KYC

Udyam par company, LLP, society ya trust ko apna GSTIN, PAN aur authorised signatory ka Aadhaar dena hota hai (Udyam gazette notification). Mudra loan ke liye koi ek rashtriya list nahi hai; har bank apni list deta hai (Mudra FAQ). Mudra ki detail Mudra loan kaise milta hai mein hai.

Ek fayda jo log chhod dete hain

Kuch lender Udyam certificate dene par fee mein chhoot dete hain. Udaharan: Kotak Mahindra Bank micro aur small business ke ₹5,00,000 tak ke loan par processing fee nahi leta, agar disbursal se pehle Udyam certificate diya jaaye (Kotak Mahindra Bank). Disbursal yaani paisa aapke khaate mein aana.

Documents jodne ke baad apna file kitna taiyaar hai, yeh free Capnix score se dekhiye. Loan lene ke poore steps business loan kaise le mein hain.

Frequently asked questions

KYC (PAN, Aadhaar), business proof (GST, Udyam), ITR aur financials, GST return aur bank statement. Ek bank 6 se 12 mahine ke statement aur 1 se 3 saal ke ITR maangta hai (Bank of Baroda).

Upar ki table dekhiye. Partnership ko deed aur company ko MoA, AoA aur board resolution bhi dena hota hai.

Ek bank pichhle 6 se 12 mahine ka statement maangta hai (Bank of Baroda). Har chalu khaate ka dijiye.

Kuch lender bank statement aur GST return par bhi loan dete hain. Chhote Mudra loan mein aam taur par ITR nahi maanga jaata (Mudra FAQ). Rakam aur dar par asar pad sakta hai.

Har lender ke liye nahi, lekin bank aapki shreni Udyam se maante hain (RBI Master Direction, lending to MSME sector). Registration free hai (Udyam Registration portal).

Aam taur par self-attested copy di jaati hai aur original jaanch ke liye dikhaya jaata hai. Online apply mein scan ya PDF lagta hai. Lender se poochh lijiye.

Business plan, bank statement, GST registration aur promoter ka KYC aur ITR rakhiye. Naye business ke liye Mudra jaise raaste dekhiye.

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