Loan rejections rarely say the real reason. Usually it is not the business — it is the file. Banks approve documents that answer their questions before they ask.
The standard file
- Financial statements and ITRs for the recent years, consistent with each other
- GST returns matching the declared turnover
- Bank statements telling the same story as the books
- KYC of the entity and promoters; constitution documents
- For limits: projections and working-capital data in the bank’s preferred format
What credit teams actually test
- Consistency: ITR vs GST vs bank credits — mismatches end conversations
- Serviceability: cash generation vs proposed obligations
- Conduct: existing account behaviour, bounced instruments, credit scores
- Story: does the requested amount match a believable purpose?
The preparation that changes outcomes
Fixing consistency issues before applying, and packaging the case professionally, routinely turns borderline files into approvals — and improves the rate offered.
We prepare bank-ready files — loan documentation service · start yours.
