How to Apply for Instant Personal Loan with your Aadhaar

Loan up to Rs. 55 lakh

Obtain personal loan funds with your Aadhaar Card and other basic documents for personal and commercial needs.
Reduced documentation

Authorise Aadhaar e-KYC and submit income documents to get a loan without delay.
Instant approval

Apply online and get approval in 5 minutes owing to simple eligibility criteria.
Disbursal in 24 hours*

Receive money in the bank within 24 hours* with streamlined document verification.
No security needed

Get a loan without offering any asset as security.
8 years repayment

You can choose a split repayment over a maximum of 96 months for increased convenience.
100% transparency

You can look forward to zero hidden charges when you avail of a personal loan with us.

Importance of Aadhaar card in applying for an instant personal loan

Aadhaar card is crucial for instant personal loan applications due to its role in identity verification. Lenders use Aadhaar details to establish the borrower's identity quickly and securely, expediting the loan approval process. This ensures a smooth and efficient loan application experience, enhancing financial inclusion and access to credit.

It is necessary to provide KYC-related documents to obtain a personal loan. However, Bajaj Finserv also provides the Aadhaar-based eKYC facility, reducing the documentation requirement and allowing for paperless user verification. As such, you only need to provide income proof to get a personal loan of up to Rs. 55 lakh.

By applying online, you can get instant approval within 5 minutes as the eligibility criteria for a personal loan are easy to meet. After document verification, the money is disbursed to your bank account within 24 hours*.

We offer collateral-free personal loans, which carry zero hidden charges. You can choose from the flexible repayment terms of up to 8 years to adjust your EMI to your budget. For ease of planning, you can use the Personal Loan EMI Calculator.

You can use a personal loan for any legal purpose, personal, or commercial. Some reasons to take a personal loan are:

Medical expenses
House renovation
Higher education
Dream wedding

How to take a personal loan on an Aadhaar Card?

To avail of a personal loan, follow the simple personal loan application process, provide your 12-digit Aadhaar card number and authorise UIDAI to disclose your KYC information for verification purposes.

*Terms and conditions apply

What is an Aadhaar Card loan?

An Aadhaar card loan is a type of personal loan where the Aadhaar card serves as primary proof of identity and address during the loan application process. It simplifies the documentation requirements, as it is linked to the applicant’s biometric and demographic details. Financial institutions use the Aadhaar card to verify the borrower's eligibility quickly. These loans are generally unsecured and can be availed for various purposes, such as medical emergencies, education, or travel. Aadhaar card loans ensure a faster, hassle-free application and approval process for borrowers.

Tips to get a small cash loan on Aadhaar Card

To obtain a small cash loan using your Aadhaar card, ensure your Aadhaar and bank account are linked. Apply online through authorised lenders, providing necessary details. Maintain a good credit score and have a stable income. Complete the required documentation promptly and choose a repayment plan that suits your financial capacity when applying for personal loan.

Nationality

Indian
Age

21 years to 80 years*
Employment

Salaried, employed with an MNC, public or private company
CIBIL score

685 or higher
Salary

Rs. 25,001 at minimum, city-specific

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

*Conditions apply

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:

KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
PAN card
Employee ID card
Salary slips of the last 3 months
Bank account statements of the previous 3 months
Piped gas bill
Pension order
Letter of Allotment of Accommodation Issued by Employer
Property / Municipal tax receipt
Utility bill
Real-time image / photograph

Interest rates and charges for personal loan with Aadhaar card

It is important to make a note of the personal loan interest rate and associated charges to ensure you are fully aware of the total cost of the loan. Once you have the loan amount, tenure, and interest rate, you can calculate interest and a breakdown of your EMI payments using our interest calculator.

1 Select the ‘Apply Online’ button above
2 Fill in the online application form with your personal, professional, and employment details
3 Submit your Aadhaar number and permit Aadhaar-based authentication
4 Await contact from a Bajaj Finserv representative for background verification
5 Submit your income documents to complete the application process

Existing customers can avail their pre-approved personal loan offers to bypass these steps and get a personal loan in a few clicks.

Frequently asked questions

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.

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.

To avail of a Rs. 10,000 loan on an Aadhaar card, an applicant has to upload or submit a copy of an Aadhaar card along with the application form. Aadhaar acts as a KYC document that helps lenders quickly verify all relevant details about an applicant. Depending on the lender policies, you may need additional documents to complete the application. Once the verification of Aadhaar and other income-related documents are done, the loan amount will be credited.

Candidates who wish to take a personal loan without salary slip on Aadhaar card will mandatorily have to provide the bank statement of the past 6 months. They need to upload or submit the bank statement and the loan application form.

To obtain a Rs. 50,000 loan on 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, as well as any other paperwork required by the lender. Ensure a good credit score and meet eligibility criteria to get a personal loan.

You can apply for a Bajaj Finance Personal Loan of up to Rs. 55 lakh.

With a Bajaj Finance Personal Loan, the minimum amount you can apply for is Rs. 20,000.

You need a CIBIL Score of 685 or higher to apply for our personal loan.

Go to the lender’s website, complete the application, submit your Aadhaar card, and provide necessary documents such as income proof and bank statements.

You need a CIBIL Score of 685 or higher to get our personal loan.

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.

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.