Need loan for self employed - freelancer (graphics designer)

RISHI RAI (PROPRIETOR) (53 Points)

07 May 2017  

INTRODUCTION - 

Hi there, I am a Graphics designer working as a Freelance online. I have a steady income which is growing day by day. Started freelancing in 2014, i provide services like web design and brand identity etc. My income as per ITR 2015-2016 is Rs. 231880, and as per ITR 2016- 2017 ir is Rs. 267404.

SITUATION -

I need to get a loan for a new workstation (computer). The loan amount is Rs. 200000 (rupees two lakhs). I have an account with SBI and went to the manager for a loan and the manager refused to even entertain me as i cannot provide a certificate prooving my income source proof or salary even when my transaction account is with the same bank.

HELP-

I would like to know if there are any government schemes for self employeds to get a personal or business or any private banks offering collateral free loans. I have seen some private lenders lending at a whopping 33% interest rates which is not affordable at all. 

Thanks for your help in advance. I hope to hear from you soon.