SELF-EMPLOYED · NO ITR REQUIRED

Home Loan With/Without ITR
For Self-Employed Karnataka Borrowers

Most banks ask for three years of ITR before they'll even look at your application. If you run a shop, a kirana store, or any small business where your real income doesn't show up neatly on paper, that rule shuts you out — even when you can clearly afford the EMI. Nivāsa works with lending partners who assess self-employed borrowers on actual cash flow, not just filed returns.

₹5L – ₹50L Zero Commission Bank Statements Accepted
Nivasa Home Loan

How We Assess You

How we assess your eligibility

What this means in practice: a kirana store owner with irregular daily cash deposits, no filed ITR, and two years at the same shop address has a real, assessable case with our partner lenders — even though most bank forms have no field for this.

Documents checklist

REAL
CASE
Anonymised Approval · Karnataka

Approved without a single filed ITR

A shop owner in a Nivāsa serviceable town had no ITR on record. 18 months of bank statements showing steady daily deposits, plus a trade licence and two years at the same shop address, carried the approval where a bank's standard form would have stopped at "ITR: none."

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Check what you qualify for

Soft check only — this does not affect your CIBIL score.

Check Eligibility →

Questions

Self-employed borrower FAQ

Yes, for most self-employed applicants. Partner lenders assess 12–24 months of bank statements, business vintage, and other supporting proof instead of filed returns.

Irregular income is common for self-employed borrowers. Partner lenders look at averages over 12–24 months rather than requiring smooth, consistent deposits.

No. Nivāsa charges zero commission to the borrower regardless of employment type.

Yes — kirana store owners, small shop owners, and traders are among the most common applicants we match through this page.