Aadhar Card Loan Apply Online

Aadhar Card Loan: How To Get Loan On Aadhar Card

Every Individual in their life needs a loan for some or day depending on many reasons. From taking loans for marriage expenditures to availing loans for personal expenses made life was easy for any person.

But the easy it sounds in actual it is not because right after listening to the word loan, documents thought would pop up in your mind.

As there are many documents required while you avail for any personal loans, Aadhar Card makes it easy for every person to save their time and avail personal loans from the bank.

What Is An Aadhar Card Loan?

Aadhar Card is a type of financing option which is provided by banks to their customers. It is a paperless e-KYC document that fills your eligibility criteria for biometric verification.

How To Get Loan On Aadhar Card?

Many people go for availing loans from Aadhar Cards but they don’t know the types of methods, eligibility criteria, and steps to avail their loans. Don’t worry. In this article, I’ll let you know about all of these in every single detail.

Firstly, It requires you to compulsory submit your “Know Your Customer” (KYC) documents for any person as it is made compulsory by the government to avoid any fraud. As the Aadhar card contains biometric information the verification process has been so easy and simple. Both private and public sector banks demand many documents and the time of approval is also very long compared to the Adhar card system. Also, the time taken for the approval of loans has also been deducted to a great extent.

How To Apply For Aadhar Card Loan Online?

Well, different banks have their own set of different interest rates and different loan offers. Before availing of any loan for yourself, make sure you visit every detail about the loan offers of different banks online and compare them. You can go to any bank’s official website and check their offers.

  • Once you’ve decided from which bank to get a loan from, fill your personal details with reading their terms and conditions.
  • Once you fill in your details their bank representative will call you for verification purposes.
  • You submit your  Aadhar Card online by scanning it.
  • After all your details are verified, the sanctioned amount will be credited into your account.

After submitting your all details, no physical documents except they might ask for income proof certificates should be submitted.

Once you get done with submitting all the required details, have a look at the process on how to apply it…

Application Process For Availing Loan From Aadhar Card

Step-1: Open your internet browser

Step-2: Go to the official bank website you want a loan from

Step-3: Check the Loans option and click on “Apply now”

Step-4: Fill the form with appropriate and valid details they ask for

Step-5: Once you fill in the details, check if anything you’ve entered incorrectly

Step-6: Wait for the representative to call you

Step-7: Attach your scanned Adhar card and other documents to sanction the credits into your account.

Let’s check the various Eligibility criteria now.

Eligibility Criteria

  1. Your age should be between 23-55 years
  2. You must hold an Indian Citizenship
  3. Your credit balance should be at least 750 or more than it
  4. You should be employed with the private or public sector or an MNC.

The requirements for availing of loans are the same as personal loans. Indeed, you must fulfill the criteria to credit the amount in your account.

Now let’s check the list of various documents which you need to keep scanned ready before applying for a Personal Loan From Aadhar Card.

  • Aadhar card
  • Voter ID
  • PAN Card
  • Driver’s License
  • Valid Indian Passport

You can select any one of them to upload as identity proof.

  • Income Proof certificate
  • Bank account statements of last 3 months

Before submitting your documents check carefully if they are appropriate or valid to avoid any inconvenience in the future.

What Are The Benefits Of Applying Loan From an Aadhar Card?

  1. Instead of many documents, Aadhar card loans just ask you to submit your KYC (Know Your Customer) for biometric verification.
  2. Aadhar Card is a secure method to avail numerous loans.
  3. A single Adhar Card helps individuals for many things such as photo, address, identity and age.
  4. Saves your time


  • How to avail loan immediately?

The faster you fill appropriate valid details in the form the faster you can get approved. Make sure your credit balance is approximately 750 or above before applying for a loan. Check the details again after filling them in the form.

  • Is an Aadhar Card a safe mode of getting a loan?

Yes, although you’re applying online, the bank you’ve chosen makes it a secure and safe method to apply for loans.

  • Can I get a loan from an Aadhar card online?

Yes, visit your official bank website and fill all the details correctly to get your loan amount credited in your account. You’ll be asked to attach your Aadhar card and PAN card by scanning them.

  • Can an 18 Year old apply for a loan online?

No, for the person who is applying for the loan online he/she should be between 23-55 in age.


Now that you’ve come to know the whole process of how and why to apply for loans using an Aadhar card, I hope you must be clear with it. Read and follow each and every step listed above to fill in the details correctly. Don’t panic if the bank representative doesn’t call you at the moment, wait for sometime or check the details you’ve filled again to avoid inconvenience.


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