procedure for personal loan

Regarding the procedure for personal loan, you should approach the banker itself as they are the best guiders. There are certain differences in the procedure adopted by different banks (mostly documentation)

Regarding the link between the income and personal loan:

The banks do not give away money as such. They assess the earning capacity by various modes of which one is the IT return filed previously. They analyse the income earned & the trend of income whether increasing, decreasing, luctuating... After making such analysis they decide whether to sanction loan to that person or not.

I hope this clarifies your doubt.

thanks chintan vasa