PSB loan - IT return details in Section 44AD

How do we get a PSB loan when the IT does not insist for the balance sheet and hence we submit without any provision of them in the IT filing but the PSB loan does not accept them and rejects. Any solution?

I have posted the querry to the PSB department. However asking anyone has an easier solution. more  

ITR can't be filed only after balance sheet, statement of income, assets and liabilities etc. have been prepared and the bank must be asking for copy of these documents along with ITR. If ITR is filed without these documents, it is incorrect. Bank can't process your loan application without these documents. Kindly follow this procedure now onwards. more  
Please talk to your Bank as some banks can consider turnover mentioned in GST returns. more  
You can try with your IT return for the past and for the current year you can have a balance sheet more  
Sec 44AD or 44ADA requires you to disclose actual income or 8 or 6% of Turnover whichever is higher. It never said you declare only 6%. So you can prepare your Final Accounts and accordingly file returns under sec 44 AD. The form requires break up Balance sheet andif you wish you can file total Balance Sheet. So prepare Accounts as per profit declared and minimum four items disclosed in Balance Sheet and submit it to the Bank. more  
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