Can I check loan eligibility from GSTR-3B returns?

Yes. GST Surrogate analyses your GSTR-3B filings and instantly calculates loan eligibility based on your GST turnover, filing consistency and tax payments.

Is the GST loan eligibility tool free?

Yes, completely free. No sign-up or payment needed. The tool is supported by Google Ads.

How does GST Surrogate calculate loan eligibility?

The tool extracts turnover, tax values, ARN and filing dates from your GSTR-3B PDFs and applies standard lending parameters to estimate loan eligibility.

GST Surrogate – Free GSTR-3B Loan Eligibility & Filing Analyser for India

Upload PDFs

Drag & drop or browse to select up to 30 GSTR-3B PDF files at once.

Server Extracts

Our server reads each PDF, identifies periods, tax values, ARN and filing dates.

Get Your Report

View a colour-coded summary, check loan eligibility and export the report.

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Upload Your GSTR-3B PDFs

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Drop PDFs here or click to browse

GSTR-3B PDFs only · Max 30 files · Max 10 MB each

🔒 Your PDFs are securely stored to support ongoing product enhancement

❓ FAQ

Are my PDFs stored anywhere?

We do not share your data with anyone. Your PDF files may be used internally to improve our product.

Which GSTR forms are supported?

GSTR-3B only. The server auto-detects the form type and skips non-3B files with a warning.

Can I upload multiple GSTINs?

Yes, but the report is generated for the dominant GSTIN. Files from other GSTINs are shown as warnings and excluded.

Is this really free?

Yes, completely free. The tool is supported by Google Ads shown on the page — no sign-up or payment needed.

How does loan eligibility get calculated?

The tool extracts your GST turnover, filing consistency, ARN and tax payment data from GSTR-3B PDFs and applies standard lending parameters to estimate your eligible loan amount.

Who can use GST Surrogate?

Any Indian GST-registered business, Chartered Accountant, tax consultant, bank or NBFC looking to quickly assess loan eligibility from GSTR-3B filing history.

Check Loan Eligibilityfrom GSTR-3B Returns

Upload PDFs

Server Extracts

Get Your Report

Check Loan Eligibility
from GSTR-3B Returns