What kirana owners should prepare
Business loan review depends on shop vintage, banking, turnover, documents, and repayment comfort. Clean bank statement is often more useful than high claims.
- Keep shop license, Udyam, GST, rent agreement, or trade proof ready where available.
- Maintain regular bank deposits instead of keeping all sales in cash.
- Avoid very high loan amount if monthly turnover cannot support EMI.
- Existing business loan, OD, or supplier credit should be disclosed clearly.
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