For self employed, does the criteria apply to gross receipts or taxable income?

[pxg]

I use 44ADA for filing which means my presumptive income is 50% of my gross receipts and I am planning to use 80GG and other deductions as well. So I could easily be spending that other 50% of gross receipts through my CC for "business/profession" expenses if these banks didn't ask for ITR and only looked at the taxable income figure

So, do the banks look at anything except the taxable income figure for eligibility?

 

[yolofino]

Same question. I, however, use section 44AD.