Help needed regarding loan
Hey, I have got a good score in session 1 so I have secured a branch in bits goa but I want some info regarding the sbi scholar loan.
My father is a gig worker so he didn't filed itr but swiggy themselves filed and it was very low (only 4k) thats because they only filed the earning of swiggy and my father only worked for few days randomly in between.
We have income certificate signed by Tehsildar of around 3lpa. We will file this year itr as soon as it will open and file around 3lpa here too. We visited SBI near my home and they said they dont have an issue with giving full loan but we dont have a proper income proof and only income certificate is not valid. They are demanding either salary slips or complete itr for 2 years with income. They are not even considering bank statements. They are saying all these documents gets rejected without salary slips or itr.
We have tried other banks and rest all are agreeing with only income certificate but pnb has only 25-30 lakh limit, union bank are saying that their is 15 percent margin (manager was too cooperative).
And please I know the financial risk that I am taking so its upon me. We have the initial fees too that we want to get reimbursed after loan.
I have also heard of updated itr so if we update it now for prev 2 years will it work?
Also if we go to Goa branch directly will they give loan with income certificate only?
Please help!