Will cash income and lack of ITR filing by my family affect my visa or loan application?

Yes, cash income and not filing Income Tax Returns (ITRs) can affect both your student visa and education loan applications.

Visa authorities and lenders usually require proof of financial stability, and ITRs are a key document for this. Without ITRs, it may be harder to prove your family's income, which can create complications or delays for your visa or loan approval.

You may be asked for alternative documents, such as:
- Bank statements showing regular income deposits
- Salary slips or Form 16 for salaried family members
- Business registration documents for self-employed individuals
- Notarized affidavits explaining income sources

These alternatives might help, but they may not fully replace ITRs.