How to Get Instant Loan with Aadhar Card: Application, Bank List & Step-by-Step Process
If you need quick access to funds, using your Aadhar Card to get an instant loan is a simple and effective option. Many banks and digital lenders offer loans using Aadhar-based eKYC, requiring minimal paperwork. Here’s a complete guide to help you through the process.
Benefits of Using Aadhar for Instant Loan
- Paperless process: No need for physical documents.
- Quick approval: Most approvals happen within minutes to a few hours.
- This Secure verification: Your identity is authenticated through UIDAI.
- Anywhere access: Apply online using mobile or computer.
Eligibility Criteria
To get an instant loan using your Aadhar card, you generally need:
- Age: 21 to 60 years
- Indian citizenship
- Valid Aadhar number linked to your mobile
- Steady income (for salaried/self-employed)
- This A basic credit score may vary by lender
Documents Required
- Aadhar Card (linked to mobile number)
- PAN Card
- Bank account details
- Income proof (payslip, ITR, bank statement – varies by lender)
Top Banks & Apps Offering Aadhar-Based Instant Loans
Bank/App Name Loan Amount Processing Time Notes
SBI (YONO App) ₹20,000 – ₹2 Lakhs Instant to 24 hrs Requires SBI account
HDFC Bank ₹50,000+ Within 24 hrs NetBanking required
ICICI Bank ₹25,000+ Within minutes Pre-approved customers
Navi App ₹10,000 – ₹5 Lakhs Instant Paperless process
KreditBee ₹1,000 – ₹2 Lakhs Instant approval For salaried individuals
PaySense ₹5,000 – ₹5 Lakhs 24 hours For salaried & self-employed
LazyPay ₹10,000 – ₹1 Lakh Within 5 minutes Good for short-term needs
Step-by-Step Process to Apply for Instant Loan Using Aadhar
Step 1: Choose the Lender
Pick a trusted app or bank based on your eligibility, loan amount, and interest rates.
Step 2: Download the App or Visit Website
Register using your mobile number (linked with Aadhar).
Step 3: Complete eKYC with Aadhar
Use Aadhar OTP authentication for instant identity verification.
Step 4: Upload Additional Details
This Enter PAN and income details and bank account for this disbursal.
Step 5: Select Loan Amount & Tenure
Choose EMI plans based on your repayment ability.
Step 6: Get Instant Approval & Disbursal
After verification, money is credited to your bank account—usually within minutes to 24 hours.
Tips to Improve Approval Chances
- This Ensure your Aadhar is linked to your this active mobile number.
- Maintain a healthy credit score (above 650 is preferred).
- Avoid applying with multiple lenders at once.
- Provide accurate income and bank details.
Important Notes
- Interest rates can vary between 12% – 36% annually depending on the lender and your credit profile.
- Late EMI payments can affect your credit score.
- Read all loan terms before accepting the offer.
Important Link
Loan Page Links Of Authorized Banks:
1. SBI Personal Loan Click Here
2. HDFC Bank Personal Loan Click Here
3. Axis Bank Personal Loan Click Here
4. Kotak Mahinra Bank Personal Loan Click Here
Disclaimer:
આ લેખ અને વેબસાઇટ ફક્ત માહિતી પૂરી પાડવાનો પ્રયાસ કરે છે. અમે કોઈપણ લોન કે ફાઇનાન્સ કંપની સાથે જોડાયેલા નથી. તમે કઈ એપ કે બેંકમાંથી લોન લેવા માંગો છો તે સંપૂર્ણપણે તમારો વ્યક્તિગત નિર્ણય છે. લોન લેતા પહેલા નિયમો અને શરતોને સારી રીતે વાંચો, વ્યવહારની વિગતો તપાસો અને ફક્ત વિશ્વસનીય પ્લેટફોર્મ પસંદ કરો.
Need Help?
You can visit your bank’s official website or customer care number for more clarity on loan eligibility using Aadhar.
