Loan on Aadhar Card: Rs 10,000 to Rs 1 lakh

In today’s digital era, getting an instant loan using an Aadhar Card without collateral and minimal documentation has become easier than ever. You can avail a loan ranging from ₹10,000 to ₹10 lakhs for personal, business, or emergency needs. Below is a detailed guide on Aadhar Card Loan Apply Online Process, interest rates, eligibility, and EMI calculation.

Key Features of Aadhar Card Loan

  • Loan Amount: ₹10,000 to ₹10,00,000
  • Interest Rate: 9% to 24% per annum (varies by bank/NBFC)
  • Loan Tenure: 6 months to 60 months
  • Processing Fee: 1% to 2% of the loan amount
  • No guarantor or collateral required
  • Flexible EMI repayment options
  • Approval within 24 hours & direct bank transfer

Who Can Apply for an Aadhar Card Loan? (Eligibility Criteria)

  • Age Limit: 21 to 60 years
  • Must be an Indian citizen
  • Minimum Monthly Income: ₹12,000 to ₹20,000
  • Credit Score: 650 or above
  • Must have a bank account in any Indian bank
  • Salaried, self-employed, or business owners can apply

Documents Required for Aadhar Card Loan

  • Aadhar Card – Proof of identity and address
  • PAN Card – Financial identity proof
  • Bank Statement – Last 3 to 6 months
  • Salary Slip – If salaried
  • Income Tax Return (ITR) – If self-employed
  • Passport Size Photograph

How to Apply for Aadhar Card Loan? (Online & Offline Process)

  • Online Application Process
  • Visit the official website or mobile app of a bank/NBFC
  • Click on the “Personal Loan” or “Instant Loan” option
  • Enter your name, mobile number, PAN, and Aadhar details
  • Select your loan amount and tenure
  • Upload KYC documents (Aadhar, PAN, Bank Statement)
  • Submit the application – the bank/NBFC will contact you
  • After approval, the loan amount is directly credited to your bank account

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