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Get Rs. 10,000 Loan On Aadhar Card In India: Documents Required, Eligibility Criteria & Steps To Apply

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An Aadhaar card plays a major role in today’s world as it acts as an important document that identifies you as a resident of India. It is issued by the Government of India and allots you a unique identification number along with your demographic and biometric data. Hence, if there is a circumstance for you to provide a proof of identity, address or age, you can submit your Aadhaar card. 

Do you know that you can also avail of a personal loan with an Aadhaar card? The following has all the details on how it is done. 

What Is An Aadhaar Card Loan?

An Aadhaar card personal loan can be availed simply by providing a copy of your Aadhaar card or by entering and verifying your Aadhaar details with the lender.

How To Apply For An Aadhaar Card Loan?

You can apply for an Aadhaar card personal loan online. All you need to do is to visit the website of the financial institution or the loan aggregator and look for an “instant loan on Aadhaar card” option Aadhaar to fill in the necessary details. The Aadhaar card loan application process would be completed online and you would be able to avail funds within the shortest possible time. 

Alternatively, you can avail the Aadhaar loan through dedicated mobile applications of financial institutions which allow instant as well as small cash loans on Aadhaar card.

Navi offers Aadhaar card loans based on your Aadhaar and PAN number. The steps are so simple and easy that your personal loan can be dispersed in less than 20 minutes.  

Follow The Steps Below To Apply For Aadhaar Card Loan

Step 1: Log in to your lender’s website or app

Step 2: Go to the personal loan section

Step 3: Check your loan eligibility

Step 4: Click on the “Apply Now” tab 

Step 5: Fill in the online application form providing your personal, employment and professional details on the website or app.

Step 6: You will be asked to complete your KYC verification.

Step 7: Provide your PAN and Aadhaar Card details.

Step 8: Upon verification, your loan will be disbursed into your account.

How to Apply For Aadhar Card Loan Through Navi

Step 1: Download the Navi app on your smartphone and register yourself.

Step 2: Enter your personal details, your Aadhaar number and PAN. 

Step 3: Click a selfie of yourself and submit your application on the mobile app. 

Now, you would be able to avail of a personal loan on Aadhaar card ranging from Rs.10,000 to up to Rs. 20 lakh within minutes.

Important Eligibility Parameters For Aadhaar Card Loan

Generally, loans are offered by lenders to borrowers who meet their eligibility parameters. These parameters help lenders minimize their risk of repayment default. So, if you want to avail a small cash loan on Aadhaar card, you would have to qualify on the eligibility parameters.

Some of the common parameters include the following –

  1. You should be aged at least 18 years or above to apply for the loan as it can be availed by individuals who have attained maturity. Many lenders require a minimum age of 21-25 years. There is also a maximum age up to which you can avail the loan that ranges from 65 years to 70 years across lenders.
  2. You should be a salaried employee or a self-employed individual having a source of income.
  3. Your income should match the minimum income criteria prescribed by the lender.
  4. You should have a credit score of 750 and above to qualify for the loan. 

Documents Required For Aadhaar Card Loan

To avail an Aadhaar personal loan, besides meeting the eligibility parameters you would also have to submit your documents. These documents generally include the following –

  • Your recent coloured photograph
  • Identity proof
  • Address proof 
  • Age proof
  • Income proof
  • Bank statement of the last 6 months
  • PAN Card

In case of Aadhaar card loans, your Aadhaar card acts as the identity proof, address proof and age proof. So, all you need to give is a photograph of yourself, proof of income, PAN Card and bank statement to avail a small cash loan on Aadhaar card.

In case of Navi, such a long list of documents is not required, and you can avail a loan simply by entering your PAN and Aadhaar numbers on the application.

Benefits Of Availing Personal Loan On Aadhaar Card

Availing a personal loan on Aadhaar card has the following benefits –

  • You can avail a loan instantly just by furnishing your Aadhaar card. There is no lengthy paperwork involved in the application and sanction of the Aadhaar card personal loan.
  • Since the Aadhaar card is easily available with most individuals, availing the personal loan on Aadhaar card becomes easier.
  • In case of an emergency when you need funds immediately, an Aadhaar card loan can prove to be the ideal solution.
  • You are allowed flexible tenures for repayment.
  • If you use the Navi app you can avail Rs.10000 loan on Aadhaar card up to Rs. 20 lakh within minutes only with your Aadhaar card.

So, if you need funds for your personal or business use, apply for an Aadhaar card loan and fulfil your financial obligations with ease.

The Following Banks and Non-Banking Financial Companies (NBFCs) use Aadhaar Card as Main Proof of Identity:

 

Navi offers instant personal loans on the app in a completely paperless and automated process. Navi offers loans of up to Rs. 20 lakh at 12% to 36% interest with flexible tenures.

HDFC

Provides a personal loan up to Rs. 40 lakh with a fixed interest rate of 10.75%-21.5% p.a.   

SBI

You can avail of a personal loan up to Rs. 20 lakh with an interest rate ranging from 9.6% p.a. and above for a tenure up to 6 years. 

Tata Capital

Personal loans up to Rs. 20 lakh with an interest rate of 11.25%-14.49% p.a. and flexible tenure of 1-6 years. 

IDFC

Instant personal loan of Rs. 5 lakh with an interest rate of 12.5%-18% p.a. and a tenure of 1-5 years. 

Frequently Asked Questions

Are there any charges involved when I apply for a small cash loan on Aadhaar card??

Yes, a processing fee would be charged by the lender for processing and sanctioning your loan. This fee would have to be paid when you apply for the Aadhaar personal loan.

What is the repayment tenure allowed for Aadhaar card loans?

The repayment tenure depends on the lenders lending the loan. However, usually, a tenure ranging from 12 months to up to 60 months is allowed for repayment of the Aadhaar card loan.

I have just joined as an employee with a company. Can I avail an Aadhaar personal loan?

Yes, Aadhaar card loans are allowed for newly joined employees also. You just have to fulfil the age and income criteria of the loan and then you can apply for the loan online or offline as per your suitability.

Will I need a co-applicant for a personal loan on an Aadhaar card?

Usually, you don’t require a co-applicant to apply for a personal loan on an Aadhaar card. But, having a co-applicant will increase your chances of getting a personal loan. 

Do I need to submit collateral when I apply for a personal loan using my Aadhaar card?

Personal loans are usually unsecured loans that don’t require any collateral or guarantor. Such instant loans can be availed easily if you have a good credit score and meet all the parameters set by your lender.

What is a small cash loan on an Aadhaar card?

A small amount of personal loans starting from Rs. 5,000 or above is known as a small cash loan. Such loans are also unsecured loans and don’t require any collateral or guarantor as such.

How long does it take to get money in my account for Aadhaar Card loans?

Usually, such loans are provided online. The entire application process usually takes somewhere between 5-15 minutes and the amount is disbursed almost instantaneously.

What are the benefits of Aadhar Card Loan?

There are many benefits of applying for a loan with your Aadhaar Card. They are:

  • No income proof required
  • Instant disbursal
  • Minimal documentation
  • Easy application process

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