Features and benefits

  • Loan up to %$$PL-Loan-Amount$$%
    Loan up to Rs. 25 lakh

    Obtain ample finance with your Aadhaar card for personal and commercial needs.

  • Reduced documentation
    Reduced documentation

    Authorise Aadhaar e-KYC and submit income documents to get a loan without delay.

  • Instant approval
    Instant approval

    Apply online and get approval in 5 minutes* owing to simple eligibility criteria.

  • 24-hour disbursal
    24-hour disbursal

    Receive money in the bank within 24 hours* with streamlined document verification.

  • No security needed
    No security needed

    Get a loan with Aadhaar card without offering an asset as security.

  • 5-year repayment
    5-year repayment

    Split repayment over a maximum of 60 months for increased convenience.

  • 100% transparency
    100% transparency

    Look forward to zero hidden charges when you avail of a personal loan with us.

To obtain a personal loan it is necessary to provide KYC-related documents. However, Bajaj Finserv also provides the Aadhaar-based eKYC facility, reducing the documentation requirement and allowing for paperless user verification. As such, you only need to provide income proofs to get a personal loan of up to Rs. 25 lakh.

By applying online, you can get instant approval within 5 minutes* as the eligibility criteria for personal loan are easy to meet. After document verification, the money is disbursed to your bank account within 24 hours*.

We offer collateral-free personal loans on Aadhaar card, which carry zero hidden charges. You can choose from the flexible repayment terms of up to 5 years to adjust your EMI to your budget. For ease of planning, you can use the Personal Loan EMI Calculator.

A personal loan on Aadhaar card can be used for any legal purpose, personal or commercial. Some reasons to take a personal loan are:

  • Business expansion
  • House renovation
  • International travel
  • Higher education
  • Child’s marriage

How to take a personal loan on Aadhaar card?

To avail of a personal loan on Aadhaar card follow the simple personal loan application process, provide your 12-digit Aadhaar card number and authorise UIDAI to disclose your KYC information for verification purposes.

Why avail of an instant loan on Aadhaar card?

Aadhaar contains information such as your name, address, gender, date of birth, photograph, email ID, phone number, and biometric data. Hence, by allowing for eKYC, you reduce the documentation requirement. If your Aadhaar card is linked to your PAN, you do not need to provide PAN card copy either.

Also, since a single governing body is to be contacted verification can take place quickly.

Moreover, as you do not need to physically submit these documents, you do not have to worry about carrying too few copies or missing some.

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Eligibility criteria

  • Nationality
    Nationality
    Indian
  • Age
    Age

    21 years and 67 years*

  • Employment
    Employment

    Salaried, employed with an MNC, public or private company

  • CIBIL score
    CIBIL score

    750 or higher

  • Salary
    Salary

    Rs. 25,000 at minimum, city-specific

You should also have an Aadhaar card and authorise e-KYC authentication.

*Conditions apply

Application process for a personal loan on Aadhaar card?

  1. 1 Select the ‘Apply Online’ button above
  2. 2 Fill in the online application form with your personal, professional, and employment details
  3. 3 Submit your Aadhaar number and permit Aadhaar-based authentication
  4. 4 Await contact from a Bajaj Finserv representative for background verification
  5. 5 Submit your income documents to complete the application process

Existing customers can avail of their pre-approved offers to bypass these steps and get a personal loan in a few clicks.

Frequently asked questions

Can I take a personal loan on an Aadhaar Card?

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.

How do I get a small cash loan on an Aadhaar Card?

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.

How to avail of a personal loan of Rs. 10,000 on an Aadhaar Card?

To avail of a personal loan of upto 10,000 with an Aadhaar card, an applicant has to upload or submit a copy of the Aadhaar Card along with the application form. Aadhaar acts as a KYC document that helps lenders quickly verify all relevant details about an applicant. Once the verification of Aadhaar and other income-related documents are done, the loan amount will be credited.

How to apply for a personal loan on an Aadhaar Card without a salary slip?

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.

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