Whether you're a gig worker, freelancer, business owner, or on a contract job, many Indians face loan rejection just because they lack a salary slip.
But here’s the truth: A salary slip is not the only way to prove income.
✅ Lenders like Vizzve Finance offer instant personal loans based on alternate income proofs.
Here are 4 solid alternatives that can still get your loan approved in 2025.
1. Bank Statements (Last 3–6 Months)
Your income flow via bank transactions speaks louder than a payslip.
💡 Vizzve accepts bank statements showing:
Regular cash deposits
UPI payments from clients
Account balance trends
Pro Tip: Highlight recurring credits to prove stable income.
2. UPI Transaction History / E-Wallet Statements
Digital income is still income.
If you earn via Google Pay, PhonePe, or Paytm, export the monthly statement and submit it.
This works especially well for:
Delivery partners
Self-employed tutors
Freelancers on platforms like Fiverr or Upwork
3. ITR (Income Tax Returns)
If you’ve filed an ITR—even for small income—it shows you're financially responsible.
✅ Many lenders trust ITR for self-employed or low-documentation borrowers.
💼 Vizzve supports loan approval based on ITR and Form 16 (if available).
4. GST or Business Invoices
Running your own small business or home-based service?
Invoices from clients, GST filings, or business receipts can be used as proof of income for loan eligibility.
🎯 Especially helpful for:
Shop owners
Freelance professionals
Service providers (salons, tutors, mechanics, etc.)
Vizzve’s No-Salary-Slip Loan Process (100% Digital)
Visit [vizzve.com] or download the app
Choose the loan amount (₹10K to ₹50K)
Upload alternate documents (no salary slip needed)
Get approval within 90 mins
Receive funds directly into your account
FAQs
Q1. Can I get a loan if I work as a delivery partner or gig worker?
Yes, with Vizzve, bank/UPI statements or e-wallet transactions are valid income proof.
Q2. What if I don’t have ITR?
You can still apply using bank statements and transaction history.
Q3. Will this affect my CIBIL score?
Once approved and repaid on time, it can actually improve your credit score.
Published on : 24th July
Published by : SMITA
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