ITR Income Analysis
Every ITR Line Item. Extracted, Structured, and Cross-Validated.
AgenticLending processes income tax returns across all ITR forms — extracting gross income, P&L data, balance sheet figures, and tax computation details — then automatically cross-validates declared income against GST turnover and bank statement cash flows to surface any material variances.
How It Works
From ITR Upload to Structured Income Profile
The ITR analysis agent handles all major ITR forms — from ITR-1 for salaried borrowers to ITR-6 for companies — parsing every schedule and cross-referencing figures with other data sources in the application.
All ITR Form Types
Processes ITR-1 through ITR-7 — salaried individuals, sole proprietors, partnership firms, LLPs, private limited companies, and trusts. No form is unsupported.
P&L and Balance Sheet Extraction
Extracts gross revenue, cost of goods sold, operating expenses, EBITDA, and net profit from Schedule BP and business income schedules — structured for credit analysis.
Multi-Year Trend Analysis
Analyses up to 3 years of ITR filings to compute revenue CAGR, profit margin trends, and income stability — essential for term loan and working capital underwriting.
Director & Promoter Income
Extracts individual income, salary from owned companies, dividend income, and capital gains for directors and promoters — building a consolidated promoter financial profile.
Tax Compliance Indicators
Flags late filings, revised returns, discrepancies between advance tax paid and assessed tax, and refund patterns — compliance signals that inform credit risk.
Cross-Source Income Triangulation
Compares ITR-declared income against GST-reported turnover and bank-implied revenue — quantifying gaps and flagging undisclosed income or liability concerns.
Key Outputs
What Your Credit Analysts Receive
Structured ITR data delivered directly into your credit memo — no spreadsheet re-entry, no missed schedules.
Income Summary Statement
Consolidated income breakdown across all heads — business income, salary, capital gains, house property, and other sources — for each AY assessed.
3-Year Financial Trend
Year-on-year revenue, EBITDA, and net profit with CAGR computation — formatted for credit committee presentation.
Promoter Net Worth Estimate
Estimated promoter net worth from ITR balance sheet data — cross-referenced against declared assets, liabilities, and capital contributions.
Income Triangulation Report
Side-by-side comparison of ITR-declared, GST-reported, and bank-implied income with variance analysis and AI-generated analyst commentary.
Why ITR Analysis Matters
The Foundation of Income Verification in Indian Lending
For commercial lending in India, ITR is the gold standard for income verification — particularly for self-employed borrowers, MSME owners, and partnership firms where audited financials may not be available. Accurate ITR analysis directly determines the DSCR calculation that underpins loan sizing and repayment capacity assessment.
Manual ITR spreading is a 2–4 hour task per application. AgenticLending reduces that to under 60 seconds — with higher accuracy and full cross-validation against other data sources.
DSCR-Ready Output
Income figures structured for DSCR computation — gross income, obligations, and net available income calculated and formatted for your credit model.
Supports Self-Employed & MSME
Handles the full complexity of self-employed ITR filings — including presumptive taxation, business income schedules, and multi-entity structures.
Revised Return Detection
Identifies filed vs. revised returns and flags material differences between original and revised declarations — a key fraud indicator.
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