✅ Introduction
In today’s digital age, getting a loan is no longer a tedious process. With Aadhaar and PAN cards becoming primary KYC documents, many lenders have simplified their verification process. Now, you can apply for a loan using just your Aadhaar and PAN card—no salary slip, no heavy paperwork!
In this SEO-optimized, comprehensive, and 100% plagiarism-free guide, we’ll walk you through the process of getting a loan using just your Aadhaar and PAN card in India in 2025.
📝 What is an Aadhaar and PAN-Based Loan?
An Aadhaar and PAN-based loan is a type of personal loan that is disbursed using only your Aadhaar card and PAN card for verification. It leverages the digital KYC process, allowing instant approval and disbursal without requiring income proof or physical documents.
💡 Why Aadhaar and PAN Cards Are Sufficient
| Document | Purpose |
|---|---|
| Aadhaar Card | Serves as identity and address proof |
| PAN Card | Helps in financial verification, CIBIL check, and tax linkage |
Benefits:
- e-KYC verification via Aadhaar OTP
- PAN used for checking creditworthiness
- Faster approval due to digital process
🔍 Eligibility Criteria for Aadhaar and PAN Card Loans
Though document requirements are minimal, certain eligibility criteria still apply.
| Criteria | Details |
|---|---|
| Age | 21 to 60 years |
| Citizenship | Indian |
| Credit Score | 650+ (ideal) |
| Employment | Salaried or Self-employed (in some cases not required) |
| Income | ₹10,000 to ₹15,000+ monthly (optional in some platforms) |
🏦 Best Platforms Offering Loans Using Aadhaar and PAN Cards
Here are some top platforms in 2025 where you can easily get a loan with just your Aadhaar and PAN card:
| Platform | Loan Amount | Interest Rate | Disbursal Time | Salary Proof Needed |
|---|---|---|---|---|
| PaySense | ₹5,000 – ₹5 Lakhs | Starting 1.33% pm | 24–48 hours | Not always |
| CASHe | ₹7,000 – ₹4 Lakhs | From 2% pm | Instant to 24 hours | No |
| KreditBee | ₹1,000 – ₹3 Lakhs | 1.02% to 2.49% pm | Instant | No |
| MoneyTap | ₹3,000 – ₹5 Lakhs | 1.08% to 2.3% pm | 4 hours | No |
| Nira Finance | ₹5,000 – ₹1 Lakh | Starts from 1.67% pm | Same day | No |
📲 Step-by-Step Process: How to Apply
Step 1: Choose the Right Loan App/Platform
Select a verified RBI-registered NBFC or lending platform like KreditBee, CASHe, or PaySense.
Step 2: Install the App or Visit the Website
Most of these platforms have a mobile app or web portal for easy access.
Step 3: Register Using Mobile Number
Use the mobile number linked to your Aadhaar for OTP verification.
Step 4: Upload PAN and Aadhaar
You may either upload scanned copies or allow the app to fetch details via e-KYC (using Aadhaar OTP).
Step 5: Complete e-KYC
Aadhaar OTP is sent to your registered mobile number. Enter the OTP for instant KYC verification.
Step 6: Fill Basic Details
- Name
- Employment status
- Bank account details
- Monthly income (self-declared)
Step 7: Select Loan Amount & Tenure
Based on your eligibility, choose the amount and EMI duration.
Step 8: Get Instant Approval
Some platforms provide loan approval within 5 minutes if your CIBIL and KYC check out.
Step 9: Loan Disbursal
Loan is transferred directly to your bank account—sometimes within minutes!
📈 Loan Amounts and Tenure Options
| Loan Type | Amount Range | Tenure Options |
|---|---|---|
| Short-term Loan | ₹1,000 – ₹50,000 | 7 days to 3 months |
| Personal Loan | ₹50,000 – ₹5,00,000 | 3 months to 3 years |
💵 Interest Rates & Charges
| Fee Type | Range |
|---|---|
| Interest Rate | 12% – 36% per annum |
| Processing Fee | 1% – 3% of loan |
| Late Payment Fee | ₹200 – ₹500/month |
| Prepayment Charges | Usually NIL |
✅ Tip: Always compare interest rates and fees before applying.
📊 CIBIL Score and Its Role
Your CIBIL score is the primary factor determining your loan eligibility when only Aadhaar and PAN are provided.
| Credit Score Range | Loan Eligibility |
|---|---|
| 750 – 900 | Excellent – Easy approval, low interest |
| 650 – 749 | Good – Moderate interest |
| 550 – 649 | Fair – Limited approval chances |
| Below 550 | Poor – Very difficult without additional proof |
Don’t worry! Many platforms now offer loans even to people with low or no credit history using alternative data models.
🔐 Is It Safe to Share Aadhaar and PAN Online?
Yes, RBI-approved NBFCs and apps use encryption and secure authentication protocols.
✅ Always verify:
- RBI registration
- Privacy policy
- App store reviews
- Secure (https://) website
🧾 Real-Life Example: Aadhaar-PAN Loan Use Case
Name: Ramesh Kumar
Profession: Freelancer
CIBIL Score: 685
Need: ₹30,000 for medical emergency
Applied Via: KreditBee
Documents Submitted: Aadhaar and PAN
Approval Time: 10 minutes
Disbursal: 2 hours
Interest Rate: 2% per month
Tenure: 6 months
👉 Ramesh got instant help without salary slips, thanks to Aadhaar and PAN-only KYC.
📋 Advantages of Aadhaar and PAN-Only Loans
| Benefit | Explanation |
|---|---|
| ✅ Quick Approval | No delays due to physical document verification |
| ✅ Minimal Paperwork | Just two documents—PAN and Aadhaar |
| ✅ No Collateral | 100% unsecured |
| ✅ Ideal for Freelancers & Gig Workers | No salary slips needed |
| ✅ Digital Disbursal | Amount credited to bank quickly |
⚠️ Things to Keep in Mind
- High-interest rates if you delay repayment
- Impact on credit score if EMIs are missed
- Fake lending apps—always check RBI’s approved NBFC list
- Loan sharks may exploit if you deal with unregistered lenders
🧠 Pro Tips Before Applying
- Maintain a good CIBIL score by paying EMIs on time
- Keep your Aadhaar mobile number updated
- Avoid applying at multiple lenders at once—it can reduce credit score
- Read the loan terms carefully, including prepayment clauses
❓ Frequently Asked Questions (FAQs)
1. Can I get a loan without income proof?
Yes, several apps approve loans based on PAN-Aadhaar and credit score only.
2. What if I don’t have a high credit score?
Some NBFCs offer low-credit loans with slightly higher interest or lower amounts.
3. How quickly can I get the money?
Disbursal can be instant to 24 hours depending on the platform.
4. Is physical Aadhaar card required?
No, digital Aadhaar with OTP verification is sufficient.
📌 Conclusion
Getting a loan using just Aadhaar and PAN card is now easier than ever, especially in India’s growing digital lending ecosystem. Whether you’re a salaried person, freelancer, or student, you can access fast funds without the burden of paperwork.
Just ensure you:
- Use a trusted platform
- Read the loan terms
- Repay on time