How to get loan if you are a house wife by filing ITR? Business News | Jagran Business

The ITR filing deadline is this month. Even if you are not employed, you must file the return. Even if you have no income during a fiscal year, you must file a return. The housewife has no personal earnings. They do not have to pay any income tax in this case, but if they still submit an ITR, it is known as a zero return or NIL return. This year, the deadline for filing returns for 2022-23 is July 31, 2023.

You can take a loan if you file ITR

If you file a Giri ITR, any bank will readily lend you money. To obtain the loan, you must provide three years of ITR documentation. A housewife can also apply for a joint loan in her name. If the housewife has an FD at any bank or post office and TDS is being deducted on the interest received on it, she can also claim a tax refund for it. When you submit zero returns, it makes it easier to apply for visas and credit cards. ITR serves as verification of income. You may quickly obtain a visa or a credit card using this method.