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.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 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

Key takeaways

An instant personal loan on Aadhaar card simplifies the borrowing process by using Aadhaar for identity and address verification. Eligible applicants can apply digitally, complete e-KYC, and access funds quickly with minimal paperwork and flexible repayment options.


  • 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% p.a.
  • No collateral is required, and disbursal can happen within 24 hours*

An instant personal loan on Aadhaar card offers a convenient way to meet planned or emergency financial needs while keeping the application process simple.

What is a personal loan on Aadhaar card?

A personal loan on Aadhaar card is a borrowing option where your Aadhaar card acts as valid proof of identity and address during the application process. This helps simplify documentation and supports a smoother verification process. You can apply online by submitting basic personal and financial details. 


A personal loan on Aadhaar card may be used for expenses such as medical needs, education, travel, or home-related costs. Approval, loan amount, and disbursal timelines depend on eligibility checks and the lender’s terms and conditions. Know your loan amount in minutes. Check your eligibility using your mobile number and OTP — no documents needed at this stage.

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Features and benefits of personal loan on Aadhaar card

A personal loan on Aadhaar card allows you to apply by using your Aadhaar as valid proof of identity and address, which helps simplify documentation. This option supports a smooth application process with flexible repayment tenures and convenient access to funds, subject to eligibility and lender terms.
 

✅ Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.


 

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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Importance of Aadhaar card in applying for an instant personal loan

The Aadhaar card plays a crucial role in applying for an instant loan on Aadhaar card, streamlining the identity verification process with eKYC. Understanding how to apply for an Aadhaar card loan ensures quick access to funds with minimal documentation.

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 and few other documents.
  • High loan amount – Get funds ranging from Rs. 40,000 to Rs. 55 lakh with Bajaj Finance Personal Loan.
  • 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.
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Eligibility criteria for instant loan on Aadhaar card

You can easily get the funds you need with the below criteria:

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.


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


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

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:

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 loan cost

Your total loan cost depends on a combination of factors — the amount you borrow, your chosen repayment tenure, the personal loan interest rate applicable to your profile, and any processing fees or charges. Here are some factors that influence your interest rate:


  • Credit score — A higher score generally improves your chances of getting a better rate.
  • Loan amount — Larger amounts may carry different rate structures.
  • Repayment tenure — Longer tenures spread the EMI over a longer period but increase the total interest outgo.
  • Employment and income profile — Stable income and employment with a reputed organisation can positively influence your offer.
  • Existing relationship with the lender — Prior loan or account history may result in a more favourable rate.

Use a Personal Loan EMI Calculator before applying. Enter your loan amount, expected interest rate, and preferred tenure to instantly see your monthly instalment. This helps you:


  • Choose a tenure that keeps EMIs within your budget
  • Compare how different loan amounts affect your monthly outgo
  • Avoid over-borrowing by seeing the total repayment cost upfront
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Interest rate and fees of personal loan on Aadhar card


A personal loan on Aadhaar card typically comes with interest rates based on the applicant's credit profile, income, and lender policies. Apart from interest, borrowers may also need to pay processing fees, bounce charges, and other applicable charges. It is important to review all costs before applying to understand the total borrowing expense. 

ChargesDetails
Interest rateUsually ranges from 10% to 30% per annum, depending on eligibility and lender policies
Processing feeUp to 3.93% of the loan amount (inclusive of applicable taxes). 
Loan tenureTypically ranges from 12 months to 108 months
Bounce chargesRs. 700 to Rs. 1,200/- per bounce
Prepayment/foreclosure chargesUp to 4.72% (Inclusive of applicable taxes) 
Stamp duty (as per respective state) Payable as per state laws and deducted upfront from loan amount

Always check the lender's schedule of charges and the loan agreement carefully. Understanding the interest rate and fees in advance helps borrowers compare offers and choose a loan that suits their repayment capacity. 

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How to apply for a personal loan with Aadhaar 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. Click on ‘CHECK ELIGIBILITY’ on this page.
  2. Enter your 10-digit mobile number and the OTP sent to your phone.
  3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
  4. Now, click on ‘PROCEED’ to visit the loan selection page.
  5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
  6. Choose the repayment tenure and click on ‘PROCEED’.
  7. Complete your KYC and submit your application.

Our representative will contact you for further steps.

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How to stay safe from Aadhaar loan scams?

To stay safe from Aadhaar loan scams, always verify the lender, avoid sharing sensitive details with unknown sources, and apply only through trusted financial institutions or official websites.


  • Check whether the lender is registered and has a verified website, customer support, and clear loan terms.
  • Never share Aadhaar OTPs, PINs, or banking passwords with anyone claiming to offer instant loan approval.
  • Avoid clicking on suspicious links received through SMS, emails, or social media messages.
  • Read the loan agreement carefully and confirm all charges, interest rates, and repayment terms before proceeding.
  • Be cautious of lenders that ask for upfront fees or guarantee loan approval without eligibility checks.
  • Monitor Aadhaar-linked transactions regularly and report any suspicious activity immediately.

Staying alert and using only trusted lenders can help protect personal information and reduce the risk of Aadhaar loan scams.

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Tips to improve your chances of approval

If you need an instant personal loan on Aadhaar card, follow these steps to improve your chances of quick approval. Learn more about how to apply for a personal loan hassle-free.


  • 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.
     

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 Term Loan
  • Flexi Term (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% p.a.

Processing fees

Up to 3.93% 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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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