Features and benefits of personal loan on Aadhaar card

  • Loan up to Rs. 40 lakh

    Loan up to Rs. 40 lakh

    Obtain personal loan funds with your Aadhaar Card and other basic documents 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.

  • Disbursal in 24 hours*

    Disbursal in 24 hours*

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

  • No security needed

    No security needed

    Get a loan without offering any asset as security.

  • 8 years repayment

    8 years repayment

    You can choose a split repayment over a maximum of 96 months for increased convenience.

  • 100% transparency

    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

Aadhaar card is crucial for instant personal loan applications due to its role in identity verification. Lenders use Aadhaar details to establish the borrower's identity quickly and securely, expediting the loan approval process. This ensures a smooth and efficient loan application experience, enhancing financial inclusion and access to credit.

It is necessary to provide KYC-related documents to obtain a personal loan. 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 proof to get a personal loan of up to Rs. 40 lakh.

By applying online, you can get instant approval within 5 minutes as the eligibility criteria for a 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, which carry zero hidden charges. You can choose from the flexible repayment terms of up to 8 years to adjust your EMI to your budget. For ease of planning, you can use the Personal Loan EMI Calculator.

You can use a personal loan for any legal purpose, personal, or commercial. Some reasons to take a personal loan are:

  • Medical expenses
  • House renovation
  • Higher education
  • Dream wedding

How to take a personal loan on an Aadhaar Card?

  • To avail of a personal loan, 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.

*Terms and conditions apply

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Tips to get a small cash loan on Aadhaar Card

To obtain a small cash loan using your Aadhaar card, ensure your Aadhaar and bank account are linked. Apply online through authorised lenders, providing necessary details. Maintain a good credit score and have a stable income. Complete the required documentation promptly and choose a repayment plan that suits your financial capacity.

Eligibility criteria for instant loan on Aadhaar card

  • Nationality


  • Age


    21 years to 80 years*

  • Employment


    Salaried, employed with an MNC, public or private company

  • CIBIL score

    CIBIL score

    685 or higher

  • Salary


    Rs. 25,001 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 Aadhar 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 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 get a Rs. 10000 loan on an Aadhar card?

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. 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.

How to get Rs. 50000 personal loans with Aadhaar card?

To obtain a Rs. 50,000 personal loan with an 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. Ensure a good credit score and meet eligibility criteria to get a personal loan.

How much loan can I get on an Aadhaar card?

You can apply for a Bajaj Finance Personal Loan of up to Rs. 40 lakh.

How can I get a Rs. 2,000 loan immediately on my Aadhaar card?

With a Bajaj Finance Personal Loan, the minimum amount you can apply for is Rs. 20,000.

How much CIBIL Score is required to avail of a personal loan on Aadhaar card?

You need a CIBIL Score of 685 or higher to apply for our personal loan.

How to get a personal loan on an 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.

Can I apply for a small cash loan on my Aadhaar card if I have a low credit score?

You need a CIBIL Score of 685 or higher to get our personal loan.

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