Instant personal loan on Aadhaar card

Instant personal loan on Aadhaar card

Instant personal loan on Aadhaar card is available through a simple digital process using Aadhaar-based e-KYC and OTP verification. Apply online with minimal documentation, quick approval, and no need to visit a branch.
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Loan Types

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FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

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

 
 

Key takeaways


An instant personal loan on Aadhaar card can make the application process simpler by using Aadhaar for identity and address verification. Eligible applicants can apply online, complete e-KYC and submit the required details digitally.


  • Aadhaar supports quick e-KYC and faster verification
  • Loan amounts range from Rs. 40,000 to Rs. 55 lakh
  • Repayment tenure ranges from 12 months to 108 months
  • Interest rates range from 10% and 30.5% p.a.
  • No collateral is required, and disbursal can happen within 24 hours*

Aadhaar can simplify the KYC process, but having an Aadhaar card does not by itself guarantee loan approval. The final loan offer depends on eligibility, credit profile, income and other applicable checks.

Can you get a personal loan with only an Aadhaar card?

A personal loan on Aadhaar card is a loan where Aadhaar can be used as a KYC document to verify the applicant's identity and address. This can help make the verification process simpler, especially when applying online.


Applicants can submit their personal and financial details digitally and complete e-KYC, where applicable. The lender may also ask for PAN, income, employment and other details to assess the application.


A personal loan can be used for various needs, such as medical expenses, education, wedding costs, travel or home renovation. The loan amount, interest rate and approval depend on the applicant's eligibility and the applicable terms. Check your eligibility using your mobile number and OTP — no documents needed at this stage.

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Why is Aadhaar useful for a personal loan?

Aadhaar can make the KYC stage of a personal loan application more convenient. It can help verify identity and address details digitally through e-KYC, where applicable.


This may reduce the need for physical paperwork and support a smoother online application. However, other checks may still be required before the lender makes a final lending decision.

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Features and benefits of personal loan on Aadhaar card

A personal loan using Aadhaar-based verification can make the borrowing process more convenient by simplifying identity verification and reducing paperwork. It can help eligible applicants access funds for various personal needs, subject to the lender’s eligibility criteria and terms.


  • High loan amount

    Access substantial funds ranging from Rs. 40,000 to Rs. 55 lakh for both personal and commercial requirements—all with your Aadhaar card as primary ID.


  • Reduced documentation

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


  • Instant approval

    Apply online and get instant loan approval thanks to our simple eligibility criteria and streamlined verification.


  • Fast disbursal

    Receive money quickly with our streamlined document verification process—often within 24 hours*.


  • No security needed

    Get a loan without offering any asset as security—completely unsecured financing for maximum flexibility.


  • Convenient repayment options

    Manage your loan easily with flexible repayment options ranging from 12 months to 108 months, allowing you to choose EMIs that fit your income cycle and budget.


  • 100% transparency

    You can look forward to zero hidden charges when you avail of a personal loan with us—complete clarity on costs.


  • Affordable interest rates

    Enjoy competitive rates designed to keep your repayments manageable and aligned with your budget.


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What can a personal loan be used for?

A personal loan can help manage several planned or unexpected expenses. The funds can be used for permitted purposes based on the applicable loan terms.

PurposeHow the loan can help
Medical expensesHelp manage treatment, hospitalisation and other healthcare costs.
Education expensesHelp cover tuition fees, courses, study materials and other education-related costs.
Wedding expensesHelp meet costs related to the venue, catering, decoration and other arrangements.
Home renovationHelp fund repairs, painting, furniture, upgrades and other home improvement work.
Travel expensesHelp manage the cost of planned trips and related travel arrangements.

Before borrowing, applicants should consider whether the loan amount and EMI fit their monthly budget.

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Eligibility criteria for instant loan on Aadhaar card

Eligibility for a personal loan depends on factors such as age, employment, income and credit profile. Meeting the basic criteria does not guarantee approval, as the final decision is subject to verification and the applicable terms and conditions.

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. Aadhaar and e-KYC authentication may also be required as part of the verification process.


Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

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Document requirement for personal loan with Aadhaar Card

Aadhaar can help with identity and address verification, but additional documents may be required depending on the applicant's profile. Applicants should provide clear and valid documents to avoid delays during verification.


Here is a list of documents required for personal loan:

Document CategoryAccepted Options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receip
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Understanding your personal loan cost

The total cost of a personal loan depends on the amount borrowed, applicable interest rate, repayment tenure and other charges. A longer tenure can reduce the monthly EMI but may increase the total interest paid over the loan period.


The applicable interest rate may depend on factors such as:

  • CIBIL Score: Your credit history and score can influence the loan offer.
  • Income and employment: Your income and employment profile help assess repayment capacity.
  • Loan amount: The amount requested may affect the applicable loan terms.
  • Repayment tenure: The selected tenure affects both the EMI and total interest payable.
  • Existing relationship: Your previous relationship with the lender may be considered where applicable.

Use a personal loan EMI calculator before applying to estimate the monthly instalment. This can help compare different loan amounts and tenures and choose an EMI that fits your budget.

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Interest rate and fees of personal loan on Aadhar card


Bajaj Finance Personal Loan offers interest rates from 10% to 30.5% p.a., with loan amounts from Rs. 40,000 to Rs. 55 lakh and tenures of 12 months to 108 months, subject to eligibility. Applicable charges may include processing fees and foreclosure charges. For details, check the personal loan interest rate and applicable charges before applying.

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How to apply for a personal loan with Aadhaar card

Applying online can make the personal loan process more convenient. The general steps are:

  1. Check loan eligibility – Visit our personal loan page, enter the loan amount you need, select the repayment period, and click on "CHECK LOAN OFFER" to check your loan eligibility.
  2. Enter personal details – Provide your personal, financial, and employment details to receive a personalised loan offer.
  3. Review your loan offer – Check your offer details and adjust the loan amount or repayment tenure, if required.
  4. Complete KYC verification – Verify your identity and bank details to proceed with your application.
  5. Speak to a loan specialist – Once your application is submitted, an executive will contact you with the next steps.
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Tips before applying for a personal loan

A few simple checks can help applicants make a more informed borrowing decision:


  • Check your CIBIL Score: Review your credit profile before applying.
  • Keep your details accurate: Make sure your personal, employment and income information is correct.
  • Prepare the required documents: Keep PAN, Aadhaar and applicable income or employment documents ready.
  • Borrow according to your repayment capacity: Choose a loan amount that you can repay comfortably.
  • Select a suitable tenure: Consider the EMI and total interest payable before choosing the repayment period.

  • Review all charges: Check the interest rate, processing fee and other applicable charges before accepting the loan offer.


 

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How to stay safe from Aadhaar loan scams?

Aadhaar details and OTPs should be handled carefully when applying for a personal loan. Use only the lender's official website or verified channels to submit an application.


  • Never share your Aadhaar OTP, banking password or PIN with anyone.
  • Do not pay unknown individuals who promise guaranteed loan approval.
  • Avoid clicking suspicious loan links received through SMS, email or social media.
  • Check the interest rate, fees and repayment terms before accepting a loan.
  • Verify the lender and use official customer support channels if you have concerns.

Being careful with personal and financial information can help reduce the risk of Aadhaar-related loan scams.


Additional read

How To Prevent Misuse Of Your Aadhar Card20000 Personal Loan On Aadhar CardInstant Loan On Aadhar Card Without Salary
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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.

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Frequently asked questions

Overview

Application

Loan Amount & Eligibility

Loan Options

EMI and Tracking

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.

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.

Yes, many lenders allow personal loan verification online using Aadhaar through e-KYC and digital authentication. Additional checks, such as income and bank verification, may also be required.

To apply for a personal loan on Aadhaar card without salary slip, some lenders may take your Aadhaar for KYC and require you to sub,it your past 6 months’ bank statements. This helps verify your income in place of a salary slip.

Getting an Aadhaar card loan without PAN card may be possible in select cases, but most lenders require PAN for verification and to meet KYC and income tax compliance.

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.

Income documents for an Aadhaar-based loan usually include salary slips, bank statements, and Form 16. Requirements may vary depending on the lender, loan amount, and the applicant’s employment profile.

Yes, salaried employees can get a personal loan using Aadhaar as an identity and address proof document, subject to the lender’s eligibility criteria, income requirements, and verification process.

You need a CIBIL Score of 650 or higher to get our personal loan. Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

The loan amount depends on income, monthly expenses, existing obligations, and credit history. With a Rs. 20,000 salary, lenders assess repayment capacity before deciding the eligible loan amount and terms. With a Bajaj Finance Personal Loan, you can get the funds within 24 hours* of approval. Check your offer in just 2 steps and apply online to get our loan.

You need a CIBIL Score of 650 or higher to apply for our personal loan. Check your eligibility in just 2 steps and plan your expenses comfortably.

With Bajaj Finance, you can get a personal loan ranging from Rs. 40,000 to Rs. 55 lakh. Check your loan offer in just 2 steps and apply online to get our loan.

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.

With Bajaj Finance, the minimum personal loan amount starts at Rs. 40,000 and goes up to Rs. 55 lakh. You can apply using your Aadhaar card for identity verification, ensuring a quick and hassle-free application process.

To get a Rs. 10,000 loan on Aadhaar card, submit your Aadhaar as KYC proof along with the application. Once your identity and income documents are verified, the Rs. 10,000 loan on Aadhaar card is credited quickly.

Aadhaar card may be accepted as a KYC document for a personal loan, but additional documents such as PAN or income proof may also be required.

To apply for a Rs. 50,000 loan on Aadhaar card, visit the official loan provider’s website and fill in the online form. Submit your Aadhaar as identity proof along with income documents and bank statements. Meeting the eligibility criteria and maintaining a good credit score can improve your chances of approval for a Rs. 50,000 loan on Aadhar card.

An emergency loan on Aadhaar card allows quick access to funds, such as an emergency loan of Rs. 20,000, using Aadhaar for instant identity verification and minimal paperwork.

A CIBIL Score of 650 or higher may be required to qualify for a personal loan, including an instant personal loan on Aadhaar card, subject to the lender’s eligibility criteria. Your income, employment profile, existing liabilities and repayment capacity may also influence loan approval and terms.

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.

You can check loan options using your Aadhaar card as identity and address proof. Visit the website, enter basic details, complete verification, and review available offers based on eligibility.

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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