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Aadhaar Card Loan

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Valid till 31st July '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time0 - 1 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

Can You Get Loan on Aadhaar Card Only?

Most top lenders require a complete set of documents during personal loan application. However, pre-approved customers need not submit any documents to the lender, and if they do, only Aadhaar and PAN works. Also, a few NBFCs and fintech lenders offer personal loans on Aadhaar card only, but, most lenders require a PAN card in addition to the Aadhaar card during loan application.

Best Apps Offering Loan on Aadhaar Card in 2026

As of 2026, Paisabazaar is the best loan app offering personal loans on Aadhaar card as one of the main documents. Prospective borrowers should apply through Paisabazaar for the following reasons:

  • Completely digital process.
  • Compares multiple lenders in a single platform based on your credit profile.
  • Pre-approved offers available.
  • Free credit score and eligibility check.
  • Minimal documentation required.
  • Quick approval and instant disbursal.

Aadhaar Card Loan - Amount, Rate & Tenure

Individuals having their Aadhaar card during personal loan application are considered creditworthy. Such applicants may avail better rates and terms for personal loans.

Loan Amount

Lenders usually assess the loan eligibility of the applicant based on their repayment capacity. The repayment capacity is assessed depending on the EMI/NMI ratio of the applicant. The EMIs of the applicant should be within 50 - 55% of their net monthly income, including their existing EMIs and EMI of the proposed personal loan.

Interest Rate

The personal loan interest rates are usually evaluated after factoring in the job profile, credit score, monthly income, EMI/NMI ratio, and type of loan schemes offered to the applicant. The personal loan interest rates usually start from 9.98% p.a.

Loan Tenure

Lenders usually offer a loan tenure of up to 5 years to its personal loan applicants. However, a few PSU banks or NBFCs might offer even higher tenure depending on the loan amount availed.

Aadhaar-Based KYC Loan - How It Works?

Aadhaar card is one of the important KYC documents required by the lenders for instant e-KYC verification. It works in the following manner:

  • The applicant provides the Aadhaar number to the lender.
  • It retrieves the applicant’s demographic details directly from UIDAI for quick and seamless authentication.
  • An OTP is sent to the mobile number linked to your Aadhaar card to confirm the applicant’s identity.

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Eligibility for Aadhaar Card Loan

Below-mentioned is the eligibility for Aadhaar card loan:

  • The mobile number of the applicant should be linked to the Aadhaar card.
  • The lender still checks the credit score, employment status and minimum income while assessing the eligibility.
  • Individuals should be between 21 to 65 years of age.

Documents Required Alongside Aadhaar

Along with Aadhaar card, lender may also ask for a few other documents that include:

  • PAN card
  • Passport
  • Voter ID
  • Driving license
  • Income proof
  • Banks statements for last 6 months
  • ITR for past 2 years

How to Apply for Aadhaar Card Loan - Step by Step

You can apply for a personal loan on your Aadhaar card by logging into Paisabazaar and following the below-mentioned steps:

  • Login to Paisabazaar app.
  • Click on “personal loan”
  • The app fetches your credit profile.
  • Customized offers based on your credit profile are displayed on the screen.
  • Opt for the best suited offer and apply.

Aadhaar Loan Fraud - Red Flags to Avoid

Below mentioned are the red flags to avoid:

  • Fake emails, SMSes or calls asking for Aadhaar card details.
  • Fraudulent lenders do not check your employment details or credit score.
  • Beware of fake bank websites asking for excessive permission.
  • Scammers pressurize you to act quickly over their request.

How can I apply for a Rs. 50,000 Aadhaar card loan online?

Borrowers can visit the official website of their selected lender, fill out the application form by providing details, completing Aadhaar-based KYC, uploading necessary documents, and submitting the application in order to apply online for a Rs. 50,000 Aadhaar card loan.

Can I get an emergency loan using my Aadhaar card?

Yes, a lot of banks and NBFCs accept Aadhaar cards as a required KYC proof when offering personal loans for emergencies.

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FAQs

Can I get loan using only Aadhaar card?

Yes, you can get a loan using only Aadhaar card. However, for most major lender, PAN card is mandatory.

Which app gives loan on Aadhaar card in 5 minutes?

Most fintech apps might offer loans on Aadhaar card in a few minutes.

What is the maximum loan I can get on Aadhaar card?

The maximum loan amount that you can avail depends on your repayment capacity which is assessed by your FOIR.

Is Aadhaar card loan safe?

Yes Aadhaar card loan is safe if applied through credible lenders.

What is Aadhaar-based e-KYC for loan?

Aadhaar-based e-KYC is a digital, electronic process of identity verification using Aadhaar card.

What additional documents are needed along with Aadhaar for loan?

The additional documents required alongwith Aadhaar card for loan include, PAN card, income proof, bank statements, ITR, etc.

Can I get Rs. 1 lakh loan on Aadhaar card?

Yes, you can get a loan of Rs. 1 lakh on Aadhar card.

Is MUDRA loan linked to Aadhaar card?

Yes, a MUDRA loan requires Aadhaar card as the main document for identity verification.

What are the interest rates for Aadhaar card loan?

The interest rates for Aadhaar card loan depend on the credit score, monthly income, job profile, EMI/NMI ratio, employer’s profile and the type of loan schemes availed by the applicant

Can I get Aadhaar card loan without PAN card?

A few NBFCs and fintech lenders might offer loans on Aadhaar card only for smaller loan amounts. However, for larger loan amounts, a PAN card is mandatory.

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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026
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Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

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