The AI answer we saw
Yes, it is possible to get a home loan without ITR as a self-employed carpenter in Rajasthan. Several lenders, including Aavas Financiers, Aptus Value Housing Finance, and Gruh Finance (now Bandhan Bank), specialize in loans for informal income earners. You may be asked to provide alternative income proof such as bank statements (6–12 months), a self-declaration of income, trade license, or reference letters. Government schemes like PMAY-CLSS (Credit Linked Subsidy Scheme) also support such applicants. Approaching a local housing finance company or NBFC familiar with informal sector borrowers in Rajasthan is recommended.
Captured during this Readable report run. Answers can vary by AI tool and date.