Get quick personal loan using Aadhar card

How to get personal loan using Aadhar card

The answer is yes. Many people are unaware of the fact that individuals can acquire a personal loan by using their Aadhar card.

In this article, we will discuss how to take a loan with an Aadhar card, what are the eligibility criteria and what are the steps to apply for a loan using an Aadhar card

The Aadhaar Card which serves as the unique identification for all the residents of India also helps to get many loans and financial services. Thus obtaining a personal loan using an Aadhar card as the primary document is called as an Aadhar card loan. It helps you to access credits without having to provide any other form of proof for the identification or the required financial documents, as these are already linked to the Aadhar card making the process more simplified. 

Using an Aadhar card also improves the various processes that are involved in loan requests and verifications. Since the loan you acquire solely depends on the salary and the creditworthiness, it gives their consumers flexible loan amounts. Many banks offer lenders Aadhar card loans some of them include ICICI Bank, SBI, HDFC, and Axis Bank.

Why do you get a loan using your Aadhar card?

    By using your Aadhar card the application and paperwork process becomes easy for borrowers and financial institutions by taking less time. Second, because different lenders charge different interest rates, applying for a personal loan using an Aadhar card provides consumers with options that make borrowing more reasonable.

It rejects the traditional method of documentation of going to banks, waiting for days, and submitting hard copies of the documents; instead, the Aadhaar linkage allows consumers to apply for loans in online apps like Zap Money from the comfort of their own homes, making the process more convenient and cost-effective. You can apply for loans without guarantors or collateral, therefore personal loans obtained through an Aadhar card are collateral-free loan

However, digital authentication improves data security and lowers the danger of using illegal loan apps. Even if the consumer has no credit history, they can benefit from improving their credit score and future financial chances by obtaining a personal loan using the Aadhar card. Finally, this increases your personal loan’s chances of approval.

What is the eligibility for personal loan?

Age21-60 years
SalaryThe minimum requirement depends on the lender and location
Work ExperienceAt least 2 years of combined work experience
Monthly IncomeRequired (specific amount not mentioned)
Credit Score750 or above for an Aadhaar card personal loan
Loan AmountDepends on loan type, lender’s policies, and circumstances

How to apply and what are the steps that are involved?

1. Check EligibilityReview the eligibility criteria offered by banks and NBFCs for Aadhaar card personal loans.
2. Compare LoansAnalyze and compare different loan offerings from lenders, including processing fees, repayment terms, and interest rates.
3. Research LendersInvestigate lenders, their loan terms, and customer reviews to find the best fit for your needs.
4. Gather DocumentsCollect required documents like Aadhaar card, PAN card, bank statements, and income proof.
5. Apply for LoanVisit the lender’s website or app, and fill out the loan application form with the necessary documentation.
6. Loan DisbursalOnce the lender verifies and approves your application, the loan amount will be disbursed to your bank account within 24 hours or a few days.
7. RepaymentMake timely repayments to avoid late fees and charges.

This table highlights the procedures clearly and allows customers to quickly understand the process and consider applying for an Aadhaar card personal loan.


What is the eligible age to get the Aadhar card Loan?

All individuals who are below the age of 21 and 60 will not be able to avail of the Aadhar card Loan.

Which are some of the banks that provide the Aadhar card loan?

ICICI Bank, SBI, HDFC, Axis Bank, IndusInd Bank Kotak, Mahindra Bank, Bajaj Finserv, DBS Bank, Tata Capital etc.

What is the minimum income for a person to avail of the Aadhar card loan?

Zap Money provides instant personal loans with a minimum salary requirement of Rs.15,000 for Aadhar card loans.

Is Aadhar loan safe?

Providing data for your loan is completely safe. Financial institutions like Zap Money deliver data protection and transparency throughout the loan process.

What is the limit for an Aadhar card loan?

The loan amount can be determined by an individual’s credit score and monthly income. You apply for a personal loan using your Aadhar card as the primary KYC document.

Also Read:

How to Get ₹10000 Loan on Aadhaar Card Quickly

Hariharan Ravichandran

Understanding the ever-changing environment of money may be a difficult experience.I'm Hariharan, a seasoned finance explorer and blogger. I am right there with you, beginning on this journey of financial enlightenment as a fellow traveler.


The ZapMoney app makes personal finance easy, accessible, and affordable. The App is available on Google Play Store and App Store for download, allowing you to sign up and access easy personal loans. ZapMoney is powered by Monexo Fintech Private Limited which is a registered NBFC-P2P.
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