GSTR-1 and GSTR-3B for recent periods are standard on almost every MSME file that is GST-registered. Credit looks at whether declared sales could have landed in the accounts you submitted.
Heavy cash deposits with thin GST, or GST with almost no banking, both raise questions. Neither is automatically a decline — unexplained is the problem.
Composition or newly registered units need a different conversation, not a fake 3-year GST PDF. If a second GSTIN exists, say so before login.
What to keep ready
- GST certificate
- Recent GSTR-1 / 3B (as applicable)
- Note on cash sales vs banking if they diverge
Full list of groups: documents checklist. Original Aadhaar is not collected on the website form.
← All document pagesApply for MSME loan in India
Quick apply without login, or sign in to upload KYC and track. Working capital, GST OD and LAP — VFC Rise maps the file; the bank sanctions.