Income Tax Return

Being a Financial Services provider company , we observe since last 10 year , that every person needs take a loan but they are getting loans at high rate of interest due to lack of financial and income documents , while Indian Government fixed an limits that no one tax will be applicable .so i think all the nbfc and financial institutions should be aware clients and public to file income tax return at their actual income what ever , same its should be file every year . after its they can show actual fix income which can be validated their business or source of income .