Running a kirana (grocery) store is a daily hustle—stocking items, managing suppliers, handling customers, and keeping cash flow smooth. But when you need extra money to expand your shop, buy inventory, or manage urgent expenses, the biggest challenge comes up:
“Can I get a business loan for kirana store without ITR?”
The answer is YES.
In 2026, many lenders understand that small-shop owners don’t always file Income Tax Returns on time. That’s why they now offer business loans based on cash flow, bank transactions, and daily sales—not just ITR.
What is a Business Loan Without ITR?
A business loan without ITR is a loan where lenders don’t require income tax returns as proof of income.
Instead, they check:
- Your bank statement
- Daily sales and cash flow
- UPI / QR transactions
- Shop stability and customer flow
This makes it easier for kirana store owners to get funding.
Who Can Apply for a Business Loan for a Kirana Store?
This loan is ideal for:
- Kirana (grocery) shop owners
- Small retail store owners
- Vegetable & daily needs sellers
- Local traders with a cash-based business
👉 Even if your business is small, you can still apply.
Business Loan for Kirana Store Without ITR Details
| Feature | Details |
| Loan Amount | ₹20,000 to ₹5 Lakhs |
| Interest Rate | 16% to 30% p.a. |
| Tenure | 6 to 36 months |
| Processing Fee | 1% – 3% |
| Approval Time | 24–48 hours |
Eligibility Criteria
Even without ITR, lenders check these basics:
- Age: 21 to 60 years
- Business running for 12 months.
- 1-year-old Trade License & MSME Certificate
- Regular daily transactions
- CIBIL Score: -1 / 700+ credit required
Documents Required (No ITR Needed)
Instead of ITR, you can provide:
- PAN Card
- Aadhaar Card
- Bank statements (last 12 months)
- Shop proof (rent agreement / license / GST if available)
- UPI transaction records (optional but helpful)
Top NBFC Offers Business Loan for Kirana Store Without ITR
| Banks / NBFCs | Interest Rate | Loan Amount | Repayment Tenure | |
| WeRize | 16% p.a. to 22% p.a. | Rs.50,000 to Rs.25 lakh | 12 months to 36 months | Apply Now |
| Muthoot | 14% p.a. to 22% p.a. | Rs.50,000 to Rs.3 lakh | 12 months to 24 months | Apply Now |
| Faircent | 14% p.a. to 21% p.a. | Rs.50,000 to Rs.10 lakh | 12 months to 36 months | Apply Now |
| IIFL | 11.25% p.a. to 33.75% p.a. | Rs.50,000 to Rs.30 lakh | 12 months to 60 months | Apply Now |
| Chola Finance | 14% p.a. to 21% p.a. | Rs.30,000 to Rs.20 lakh | 12 months to 60 months | Apply Now |
| Poonawalla Fincorp | 15% p.a. to 28% p.a. | Up to Rs.50 lakh | Up to 3 years | Apply Now |
| FT Cash | 12% p.a. to 22% p.a. | Up to Rs.50 lakh | Up to 3 years | Apply Now |
| NeoGrowth | 19% p.a. to 24% p.a. | Up to Rs.75 lakh | Up to 7 years | Apply Now |
| FlexiLoans | 12% p.a. onwards | Up to Rs.1 crore | 1 year to 5 years | Apply Now |
| LendingKart | 12% p.a. to 28% p.a. | Up to Rs.1 crore | 12 months to 36 months | Apply Now |
| Ashv Finance | 18% p.a. to 21% p.a. | Up to Rs.40 lakh | 12 months to 36 months | Apply Now |
| Aditya Birla | 14% p.a. onward | Up to Rs.15 lakh | 12 months to 36 months | Apply Now |
| Tata Capital | 16.50% to 19% p.a. | Up to Rs.75 lakh | 12 months to 36 months | Apply Now |
How Loan Approval Works Without ITR
Lenders now use modern methods to approve loans:
Bank Statement Analysis
They check your monthly credits and average balance.
Daily Sales Pattern
A regular income stream shows your business is stable.
Digital Transactions
UPI payments and QR sales increase trust.
Shop Stability
Old and established shops have higher approval chances.
Also Read: Personal Loan for Small Business
Benefits of Business Loan for Kirana Store Without ITR
No ITR Required
You don’t need tax documents—just basic financial proof.
Quick Approval
Loans can be approved within 1–2 days.
Easy Documentation
Minimal paperwork compared to bank loans. Also, the loan eligibility and document process are simple.
Flexible Loan Use
You can use money for buying stock, Shop renovation, Supplier payments, or Emergency expenses.
Higher Approval Chances
Even with a low or average CIBIL score, approval is possible.
How to Apply for Kirana Store Loan Without ITR
- Visit 24hrLoan website
- Fill basic business details.
- Upload documents online process.
- Complete your KYC & income proof.
- Get approval within 30 minutes.
- Receive funds after approval.
Tips to Get a Loan Without an ITR Easily
- Maintain regular bank transactions.
- Avoid cheque bounces
- Use UPI/QR for payments.
- Keep a minimum balance in the account.
- Apply for a realistic loan amount.
Your bank statement is your biggest proof of income.
Also Read: Business Loan for Shopkeeper: Up to 20 Lakh
Conclusion
A business loan for a kirana store without ITR is a great solution for small shop owners who need quick financial support without complicated paperwork.
With the rise of digital lending, your daily business activity and cash flow matter more than traditional documents. If you maintain a good transaction history and stable income, getting a loan is now easier than ever—even without ITR.