e-Aadhaar Card: Fix Download and Password Problems

e-Aadhaar Card: Fix Download and Password Problems

Most e-Aadhaar problems stem from four issues: an incorrect PDF password, an OTP that does not arrive, a missing Aadhaar number or outdated details.
FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 75 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Check offer | No branch visit needed

 
 

In summary


e-Aadhaar is a password-protected PDF of your Aadhaar that you can download from the official myAadhaar portal. Downloading it requires the relevant identification details and an OTP sent to your Aadhaar-linked mobile number. 


  • The PDF password uses the first four characters of your name in upper case, followed by your birth year.
  • An OTP problem can occur when your Aadhaar-linked mobile number is outdated or unavailable.
  • You can download e-Aadhaar after your Aadhaar has been generated; first-time applicants must enrol.

Once your identity documents are ready, you can assess whether borrowing fits your financial needs. Check your Bajaj Finance Personal Loan offer using your mobile number and a one-time password (OTP). Apply online and, subject to approval and verification, receive funds within 24 hours* of approval.

Why does the e-Aadhaar download fail?

A failed download does not necessarily mean your Aadhaar record is incorrect. Identify the step causing the problem before changing your details or retrying the download.


ProblemLikely causeFix
PDF password rejectedIncorrect password format or a name that differs from the Aadhaar recordEnter the first four characters of the name in upper case, followed by the birth year
OTP does not arriveMobile number is not linked or the linked number is outdatedUpdate the mobile number at an Aadhaar Enrolment Centre
Download page asks for a number you do not haveYou have an enrolment slip but your Aadhaar number has not been generated or is unavailableUse the Enrolment ID on the slip to check the status and follow the portal's instructions
Details on the PDF are outdatedYour address or name has changed since the record was updatedRequest the relevant Aadhaar update, then download the updated PDF

Last reviewed: 22nd October, 2026.


Start by checking whether the OTP reaches your linked mobile number. If the number is outdated, correct that issue first. Once you can complete verification, troubleshoot the password or record details according to the error you see.

Show More Show Less

What is the e-Aadhaar PDF password?

The e-Aadhaar PDF password uses the first four characters of the name printed on Aadhaar, in upper case, followed by the four-digit birth year. The format is explained in Jupiter's e-Aadhaar password guide, dated July 2026.


Name on AadhaarBirth yearPassword
ANIL KUMAR1990ANIL1990
S.KUMARAN2000S.KU2000
DIA2000DIA2000

Last reviewed: 22nd October, 2026.


Match the name format shown on your Aadhaar record. Punctuation can count as a character, so S.KUMARAN produces S.KU2000. If your name contains fewer than four characters, use the full name followed by the birth year, as in DIA2000.


If the PDF still rejects the password, check each character and the birth year before trying again. Do not substitute your Aadhaar number for the password.

Show More Show Less

What if you have only an enrolment slip?

An enrolment slip confirms that you submitted an Aadhaar enrolment request; it does not mean your Aadhaar has already been generated. The Enrolment ID on the slip can help you check the status and follow the appropriate next step.


Use the Enrolment ID and the details requested on the official portal to check the enrolment status. Once Aadhaar has been generated, follow the portal's instructions to download e-Aadhaar and complete the required OTP verification.


If you are applying for Aadhaar for the first time, you must enrol at an Aadhaar Enrolment Centre. You cannot create a new Aadhaar number by downloading a PDF online.

Show More Show Less

What else do you need besides Aadhaar?

Aadhaar addresses one part of KYC, but a personal loan application also involves eligibility checks and supporting documents. For a Bajaj Finance Personal Loan, the supplied criteria include nationality, age, employment and CIBIL Score.


CriterionRequirement
NationalityIndian
Age21 years to 80 years.
Employed withPublic, private, or MNC.
CIBIL Score650 or higher.
Customer profileSelf-employed or Salaried

*You should be 80 years or younger at the end of the loan tenure.


Last reviewed: 22nd October, 2026.


Meeting these criteria does not guarantee approval. The application remains subject to eligibility, verification and credit assessment. No collateral or guarantor is required.


Depending on your profile and application, you may need the following documents, including know your customer (KYC) documents and a Permanent Account Number (PAN) card:


  • KYC documents: Aadhaar/ passport/ voter's ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements of the previous 3 months
  • Piped gas bill
  • Pension order
  • Letter of Allotment of Accommodation Issued by Employer
  • Property / Municipal tax receipt
  • Utility bill
  • Phone bill
  • Real-time image / photograph

Not every applicant needs every document. Confirm the final list during your application and ensure your details match the supporting records.

Show More Show Less

What will the loan cost?

Having e-Aadhaar ready does not determine the interest rate or guarantee approval. Before accepting a Bajaj Finance Personal Loan, check the rate, processing fee and other applicable charges against the amount you need and the tenure you can afford.


ChargeAmount
Interest rate10% to 30.5% per annum, subject to applicable terms and customer eligibility
Processing feeUp to 4.13% of the loan amount, inclusive of applicable taxes
Bounce chargesRs. 700 to Rs. 1,200 per bounce
Penal chargeUp to 36% per annum on the overdue instalment
Part-prepayment (Term Loan)Up to 4.72% of the principal prepaid, inclusive of applicable taxes
Foreclosure (Term Loan)Up to 4.72% of the outstanding principal, inclusive of applicable taxes
Part-prepayment (Flexi Dropline and Flexi Hybrid Loans)No charge
Flexi facility chargeRs. 11, inclusive of applicable taxes

Last reviewed: 22nd October, 2026.


Charges are detailed in the applicable product information and loan documents. Read the Key Facts Statement (KFS), including the Annual Percentage Rate (APR), applicable charges and repayment schedule, before accepting an offer.


Include the processing fee when comparing borrowing options. For the detailed breakdown, refer to Bajaj Finance Personal Loan interest rates and charges.

Show More Show Less

What if e-Aadhaar is not accepted somewhere?

An organisation that does not accept the PDF in its current form might require a printed copy or another identity document. Confirm what it accepts before submitting a replacement document.


SituationFallbackNote
Office wants a physical copyPrint the PDF on A4 paperKeep the QR code clear
Aadhaar details are outdatedPassport, voter ID or driving licenceUpdate Aadhaar separately
You prefer not to share the full numberMasked AadhaarShows only the last four digits

Last reviewed: 22nd October, 2026.


For a Bajaj Finance Personal Loan, Aadhaar is one of the listed KYC document options, not the only one. Confirm which documents are accepted for your application and make sure the details are consistent across them.

Show More Show Less

How do you apply for a Bajaj Finance Personal Loan with e-Aadhaar as KYC?

Before starting a Bajaj Finance Personal Loan application, decide how much you need to borrow and check that the proposed EMI fits your budget. Keep your personal, employment and financial details ready, and make sure you can access the mobile number required for verification.


  1. Check loan eligibility: Enter the required loan amount and repayment period, then select CHECK LOAN OFFER.
  2. Enter personal details: Provide the requested personal, financial and employment information to receive a personalised offer.
  3. Review the loan offer: Check the amount, interest rate, charges and tenure. Adjust the amount or tenure if needed.
  4. Complete KYC verification: Complete KYC and verify your bank details.
  5. Talk to a loan specialist: Submit the application and follow the instructions provided by the executive about the next steps.

The process can differ for new and existing customers, and additional documents may be requested. At the KYC stage, keep your Aadhaar-linked mobile available for the OTP and check that your submitted details match your documents.


Check your Bajaj Finance Personal Loan offer to review the options available to you. Compare the final amount, charges and repayment schedule before accepting an offer.

Show More Show Less

Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

Not your nearest branch?

Banner_NEW_Storelocator_XAOP_App_27072026.png

Frequently asked questions

Overview

Verification

How many numbers are there in an e-Aadhaar card?

An e-Aadhaar card contains a 12-digit unique identification number issued by the Unique Identification Authority of India (UIDAI).

Yes, an e-Aadhaar is legally and equally valid as a physical Aadhaar card under the Aadhaar Act, 2016, as it is digitally signed and password-protected by the Unique Identification Authority of India (UIDAI).

Check the password format: the first four characters of your name as printed on Aadhaar, in upper case, followed by your birth year. Punctuation can count as a character, so S.KUMARAN becomes S.KU2000 when the birth year is 2000. Retype the password carefully and use the spelling shown on your Aadhaar record rather than a preferred spelling.

The OTP for downloading e-Aadhaar is sent to the mobile number linked to your Aadhaar. If that number is outdated or unavailable, visit an Aadhaar Enrolment Centre to request an update. Once the update has been processed, retry the download through the official portal. Keep the update acknowledgement until you can complete verification and access the PDF.

To get your e-Aadhaar card online, visit the official myAadhaar Portal, click on "Download Aadhaar", and log in using your 12-digit Aadhaar number, Enrolment ID (EID), or Virtual ID (VID) along with the captcha code. Verify your details by entering the One-Time Password (OTP) sent to your registered mobile number, then download and save the password-protected PDF file

An e-Aadhaar can typically be downloaded online almost immediately once your Aadhaar number is generated, which generally takes anywhere from 1 to 30 days (and often within 1 to 2 weeks) after completing your enrollment at a center, though UIDAI officially states the complete process can take up to 90 days.

Show More Show Less

Related articles

how-to-link-your-aadhaar-card-with-your-pan-mobile-number 1

How to Link Aadhaar card with PAN card Online

Oct 07, 2023

Read More

 how-to-apply-for-e-aadhar-card--a-step-by-step-guide 2

How to Apply for e-Aadhaar Card

Read More

 Article 3

Facts About mAadhaar App

Oct 28, 2026

Read More

 Article 4

How to Download E Aadhaar Card Online

Oct 03, 2026

Read More

You are here

Related Links

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000