Features and benefits of personal loan on Aadhaar card
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Loan up to Rs. 55 lakh
Obtain personal loan funds with your Aadhaar Card and other basic documents for personal and commercial needs.
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Reduced documentation
Authorise Aadhaar e-KYC and submit income documents to get a loan without delay.
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Instant approval
Apply online and get instant loan approval thanks to our simple eligibility criteria.
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Fast disbursal
Receive money quickly with our streamlined document verification process.
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No security needed
Get a loan without offering any asset as security.
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Up to 8 years of repayment tenure
You can choose a split repayment over a period of up to 96 months for increased convenience.
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100% transparency
You can look forward to zero hidden charges when you avail of a personal loan with us.
Importance of Aadhaar card in applying for an instant personal loan
The Aadhaar card plays a vital role in securing an instant personal loan by simplifying identity verification. It enables seamless eKYC, helping applicants fast-track the process and access funds more conveniently. With Aadhaar, financial access becomes faster, more secure, and less dependent on paperwork.
Key Benefits of Applying for a Personal Loan on Aadhaar Card Only
- Instant identity verification – Aadhaar-based eKYC ensures a seamless and paperless verification process.
- Minimal documentation – No need for extensive paperwork; just provide income proof.
- High loan amount – Get up to Rs. 55 lakh with Bajaj Finserv’s Aadhaar-based loan facility.
- Easy repayment – Choose flexible EMI options that suit your monthly budget.
- Affordable interest rate – Enjoy competitive rates designed to keep your repayments manageable.
- Quick approval – Enjoy a hassle-free application process with Aadhaar eKYC and swift loan approval.
*Terms and conditions apply
What is an Aadhaar Card loan?
An Aadhaar card loan is a type of personal loan where the Aadhaar card serves as primary proof of identity and address during the loan application process. It simplifies the documentation requirements, as it is linked to the applicant’s biometric and demographic details. Financial institutions use the Aadhaar card to verify the borrower's eligibility quickly. These loans are generally unsecured and can be availed for various purposes, such as medical emergencies, education, or travel. Aadhaar card loans ensure a faster, hassle-free application and approval process for borrowers.
Tips to get a small cash loan on Aadhaar Card
If you need an instant personal loan on Aadhaar card, follow these steps to improve your chances of quick approval. Learn more about applying for a personal loan for a hassle-free process
- Ensure Aadhaar and bank account linking – Your Aadhaar card should be linked to your bank account for easy KYC verification.
- Maintain a good credit score – A higher credit score improves approval chances and helps you secure better interest rates.
- Complete documentation promptly – Submit necessary details like Aadhaar, PAN, and income proof for faster processing.
- Select a suitable repayment plan – Choose a tenure that aligns with your financial capacity to avoid defaults.
Eligibility criteria for instant loan on Aadhaar card
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Indian
Nationality
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Age
21 years to 80 years*
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Employment
Salaried, employed with an MNC, public or private company
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CIBIL score
685 or higher
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Salary
Rs. 25,001 at minimum, city-specific
You should also have an Aadhaar card and authorise e-KYC authentication.
*Conditions apply
Document requirement for personal loan with Aadhaar Card
Although Aadhaar Card serves as the identity proof, you may be required to submit other paperwork for your loan approval. Here is a list of documents required for personal loan:
- 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
- Real-time image / photograph
Interest rates and charges for personal loan with Aadhaar card
It is important to make a note of the personal loan interest rate and associated charges to ensure you are fully aware of the total cost of the loan. Once you have the loan amount, tenure, and interest rate, you can calculate interest and a breakdown of your EMI payments using our interest calculator.
How to apply for a personal loan with Aadhar card
Applying for a personal loan using your Aadhar card is a quick and hassle-free process. With minimal documentation and instant verification, you can get approval faster. Learn the step-by-step process to secure a loan effortlessly.
- 1 Select the ‘Apply Online’ button above
- 2 Fill in the online application form with your personal, professional, and employment details
- 3 Submit your Aadhaar number and permit Aadhaar-based authentication
- 4 Await contact from a Bajaj Finserv representative for background verification
- 5 Submit your income documents to complete the application process
Existing customers can avail their pre-approved personal loan offers to bypass these steps and get a personal loan in a few clicks.
Additional read
Frequently asked questions
Go to the lender’s website, complete the application, submit your Aadhaar card, and provide necessary documents such as income proof and bank statements.
Borrowers can take a personal loan with an Aadhaar Card. Since personal loans are unsecured credit instruments, one does not have to provide collateral. However, it is necessary to submit KYC documents to take personal loan on aadhaar card only.
You can apply for various personal loans, including travel, wedding, medical, education, and debt consolidation loans, using your Aadhaar card. It acts as a key document for identity and address verification.
Aadhaar is used for identity authentication and KYC verification in the personal loan process. It helps verify essential details, enabling faster approvals with minimal paperwork and seamless digital verification.
You can apply for a Bajaj Finance Personal Loan of up to Rs. 55 lakh.
You need a CIBIL Score of 685 or higher to apply for our personal loan.
No, a co-applicant is generally not required for personal loans based on an Aadhaar card. However, the necessity of a co-applicant depends on the lender’s policies and your financial profile, such as credit score and income stability.
You can calculate your EMIs using our personal loan EMI calculator and get accurate results instantly. Simply enter your desired loan amount, interest rate, and loan tenure into the calculator to estimate your monthly EMI based on your preferences.
Individuals looking to apply for a small amount personal loan have to fill up the loan application form and then submit a copy of the Aadhaar Card. Since it has both address proof and photo identity proof, lenders will use the document to verify and complete the KYC process. However, applicants might also have to submit other documents if the lender asks.
You need a CIBIL Score of 685 or higher to get our personal loan.
With a Bajaj Finance Personal Loan, the minimum amount you can apply for is Rs. 40,000.
To avail of a Rs. 10,000 loan on an Aadhaar card, an applicant has to upload or submit a copy of an Aadhaar card along with the application form. Aadhaar acts as a KYC document that helps lenders quickly verify all relevant details about an applicant. Depending on the lender policies, you may need additional documents to complete the application. Once the verification of Aadhaar and other income-related documents are done, the loan amount will be credited.
To obtain a Rs. 50,000 loan on Aadhaar Card, go to the lender’s website, complete the application, submit your Aadhaar Card, and provide necessary documents such as income proof and bank statements, as well as any other paperwork required by the lender. Ensure a good credit score and meet eligibility criteria to get a personal loan.
Candidates who wish to take a personal loan without salary slip on Aadhaar card will mandatorily have to provide the bank statement of the past 6 months. They need to upload or submit the bank statement and the loan application form.
