The digital expansion of banking and NBFC sectors has made online credit provisioning more accessible. Borrowers can now apply for personal loans from their homes, as many lenders offer this service without requiring an ITR certificate. Self-employed individuals must meet specific criteria, including Indian citizenship, a minimum age of 21 years, at least two years of work experience, and a minimum annual income of Rs. 25,000. To apply without an ITR, applicants can provide supplementary income proof, include a guarantor, pledge collateral, or leverage their existing bank relationship. Despite traditional lenders' ITR requirements, self-employed borrowers have alternative avenues. To learn more in our blog post visit: https://wecredit.co.in/persona....l-loan-without-itr/H
