Loans for Kirana & Retail Owners

Retail and kirana lending has moved decisively onto filed data. GST returns are now the primary income proof - lenders look at GSTR-2A and 2B and the last six months of returns, alongside roughly three years of continuous operation. Where GST is not applicable, UPI and POS turnover increasingly substitutes, which has brought a lot of small shops into formal credit for the first time. Rates across the segment span a wide band of roughly 8-26%, and where you land in that band tracks the quality of your documentation more closely than anything else. A shop with clean GST filings, Udyam registration and a current account that reflects actual turnover is a different application from one relying on a stated income.