UDIN Generation 44ADA

If bank ask for any official datasheet for any loan sanctions etc., you need to provide them as per their requirement. In general, not mandatory.

UDIN IS REQUIRED FOR CERTIFICATION AND AUDIT PURPOSE,

BUT SOMETIMES BANKS DEMANDS FOR  UNAUDITED FINANCIALS

If a person has submitted their online income tax return under Section 44ADA (presumptive taxation), a UDIN is generally not required for banking purposes unless the bank specifically demands a certificate or report issued by a Chartered Accountant (CA). For professionals seeking to efficiently prepare or present CA-related reports, Gen Balance Sheet Software provides a streamlined solution for balance sheet preparation and tax audit reports. The software helps ensure accurate and timely submission of financial data to banks whenever required.

A udiin is not customary.

It is only required for audit and taxation purposes.

UDIN is NOT required for ITR-4 filed under Section 44ADA itself. The return is self-certified when filed online.

The confusion usually comes from what the BANK is actually asking for, which is different from the ITR filing with the tax department.

If the bank wants income proof for a loan, the ITR-V acknowledgement and Form 26AS are usually sufficient for most banks for amounts up to Rs 50 lakh.

If the bank specifically asks for a CA-certified income or net worth certificate (separate from the ITR), then that certificate needs a UDIN because a CA is issuing it. The UDIN goes on the certificate, not on the ITR itself.

Summary of what needs UDIN and what does not:
- Filing ITR-4 under 44ADA: No UDIN needed
- Submitting ITR-V as income proof to bank: No UDIN needed on ITR-V
- Bank asks for a separate CA-issued income or net worth certificate: UDIN required on that certificate

If the bank has a specific form or certificate format they need, ask them to share it. Check whether it requires CA certification. If it does, a CA can prepare and certify it with a UDIN separately from the ITR.

For what to look for when choosing an online CA service for loan documentation or ITR filing: [online CA services in India](https://taxgarden.in/blog/online-ca-services-india-what-to-look-for-2026)