1) Registration certificate 

2) Certificate/licence issued by the municipal authorities under Shop and Establishment Act. 

3) Sales and income tax returns. 

4) CST/VAT/GST certificate (provisional/final). 

5) Certificate/registration document issued by Sales Tax/Service Tax /Professional Tax authorities.

GST offers many benefits that boost economic integration and increase the competitiveness of Indian goods abroad. Additionally, it makes it simpler to comply with tax laws and regulations. The supply of goods and/or services inside the nation are subject to the GST. It includes several indirect taxes levied by the federal government or state governments, including the service tax, purchases tax, central excise duty, value-added tax, entry tax, luxury tax, local body taxes, etc. GST has advantages for the Indian people, the government, and businesses. The new change is anticipated to lower prices for products and services while giving the economy a welcome boost. It is also anticipated to increase the competitiveness of Indian goods and services abroad.

Credit rating is an analysis of the credit risks associated with a financial instrument or a financial entity. It is a ranking assigned to a certain organisation based on its qualifications and the degree to which its financial statements are reliable in terms of prior borrowing and lending.

A credit score is a measure of an individual’s ability to pay back the borrowed amount. The range of a credit score is 300–900, with 900 being the highest. It is a three-digit figure. Credit scores are determined by the nation’s credit agencies after taking into account several variables, including the duration of your credit history, repayment history, and several credit inquiries, among others.

The significance of a credit score and how a credit card might help you raise it If you are wondering why a lender refused your loan, a poor credit score can be to blame. Lenders see your credit score as a key indicator of your capacity to pay back debts. A three-digit numerical summary of your whole credit history is your credit score. The Credit Information Report, or CIR, is created based on information obtained from lenders. Your credit history and score are taken into consideration by financial organisations when deciding whether to give you money, how much, and at what interest rate.

• Payment History: The most crucial component of credit scoring is payment history, and even one late payment will lower your score. When assessing you for new credit, lenders want to be certain that you will repay your debt on time
• The Amount Owed: The second most significant component in determining your credit scores is your use of credit, particularly as shown by your credit utilisation ratio. By dividing the entire amount of revolving credit you are presently utilising by the sum of all of your revolving credit limits, you may get your credit usage ratio. This ratio measures how much of your available credit you are using and might provide an overview of your dependence on non-cash resources.
• Credit History Length: How long you’ve held credit accounts makes up 15% of your FICO Score. This contains the average age of all your accounts as well as the ages of your oldest and newest credit accounts. Your credit ratings will typically increase with the length of your credit history.
• Credit Mix: People with excellent credit frequently have a wide variety of credit accounts, which may include a vehicle loan, credit card, student loan, mortgage, or other credit products. The sorts of accounts you have and how many of each you have are taken into account by credit scoring models as a sign of how well you handle a variety of credit products.
• New Credit: Ten per cent of your FICO Score is based on how many new credit accounts you have established as well as how many hard credit inquiries lenders do when you ask for credit. Your credit score might be negatively impacted by having too many accounts or queries, which can signal more risk.

• More financial opportunities: You’ll be able to access more financial options if you have high credit. Financial institutions and credit card firms want to make sure that they are doing business with reliable clients who have a track record of making on-time debt repayments. One of the major advantages of good credit is that you are more likely to get approved for loans or credit lines if your credit history and score are strong.
• Lower rates of interest: One benefit of having high credit is that it also makes it more inexpensive to obtain additional credit, which helps to ease the process of getting authorised for a loan or credit card. Your interest rates on credit cards and loans will be cheaper the better your credit is.
• Higher loan amounts and credit limits: A strong credit score not only increases your chances of getting approved for loans and credit lines, but it may also provide you access to larger sums of money. Your income and credit history will determine how much money you are qualified to borrow. Lenders and credit card companies are more likely to offer you larger loans and credit limits if your credit history is strong.
• Better housing opportunities: You’ll have greater possibilities for housing, whether you decide to buy or rent a house, which is another advantage of having high credit. If your credit is strong, home mortgage lenders are more likely to grant a loan; the amount you’ll be authorised for may also be greater. Rental homes follow the same rules.
• Lower rates on car insurance: You’ll profit from having a good credit score by getting lower vehicle insurance premiums. Even while they cannot deny you coverage according to your credit history, vehicle insurance providers may charge you more if it isn’t in good standing.
• No Security deposit: With strong credit, you may also avoid paying exorbitant security deposits when opening new accounts. You most likely won’t be required to pay a security deposit for your utilities if you have good credit. This is because utility providers perceive you as more responsible and have more trust in your ability to pay your payments on time and in full.
• Better job opportunities: Unbelievable as it may seem, having a decent credit score might affect your ability to get work. Employers want to be sure they are selecting the best individuals. They carry out thorough background checks—which, for certain businesses, may also involve a credit check—to do that. Your credit history demonstrates to potential employers how careful you are with money.

A top-up loan is a loan that is taken on top of another debt that already exists. The current loan might be a personal loan, a mortgage, or any other kind of debt. Your chances of receiving a top-up loan are improved by making on-time payments on the current loan. It is an auxiliary service provided by lenders to their current clients.

A pledge is a particular type of bailment in which items are bailed by one party to another as security for the payment of a debt or the fulfilment of a promise. The person who places the goods into the bail is the bailor, also known as the pawnor, and the bailee, also known as the pawnee, is the party who accepts custody of the goods or the party to whom the goods are placed into the bail.

Mortgages are loans obtained from banks or other financial institutions to assist borrowers in purchasing homes. The house itself serves as the mortgage’s collateral. That means the lender can sell the house and collect its money if the borrower stops making monthly loan payments and fails. You’ll make recurring payments toward the mortgage, often in the form of a monthly payment that includes both principal and interest costs.