How to Get an Instant Loan Using Aadhaar Card: Getting an instant personal loan is now easier than ever, thanks to Aadhaar-based e-KYC. With minimal documentation and a completely digital process, many banks and NBFCs now offer fast and secure personal loans using just your Aadhaar Card.
In this guide, we’ll cover how to apply for an Aadhaar-based loan, required documents, a list of trusted banks and apps, and important tips to avoid scams.
💡 What Is an Aadhaar-Based Instant Loan?
An Aadhaar-based loan is a type of personal loan where your Aadhaar card is used for e-KYC verification. Many banks and NBFCs (Non-Banking Financial Companies) now accept Aadhaar for paperless verification, which speeds up the loan approval and disbursal process.
If you have a good CIBIL score and a regular source of income, your chances of getting approved are high.
📄 Documents Required for Aadhaar-Based Loan
- Aadhaar Card (Original or Copy)
- PAN Card
- Bank Statement (Last 3–6 months)
- Salary Slip (If applicable)
- Passport-size Photograph
🏦 Top Banks Offering Personal Loans via Aadhaar Card
1. State Bank of India (SBI)
- Aadhaar-based e-KYC process
- Highly secure and trusted
- Interest Rate: Starts from 10%
2. HDFC Bank
- Aadhaar and PAN card are sufficient
- Fully digital approval
- Interest Rate: From 10.5%
3. ICICI Bank
- 100% digital loan process
- Instant approval for pre-approved users
- Interest Rate: From 10.25%
4. Axis Bank
- Accepts Aadhaar-based loan applications
- EMI calculator and instant approval available
- Interest Rate: From 10.49%
5. Kotak Mahindra Bank
- Instant loan with Aadhaar and PAN
- Safe and fast option
- Interest Rate: From 10.99%
📱 Trusted Aadhaar-Based Loan App
1. Paysense
- Loan range: ₹5,000 to ₹5,00,000
- Only Aadhaar and PAN required
- Partnered with NBFCs like Fullerton India
2. Navi App
- 100% digital process
- Aadhaar-only approval
- Low interest and flexible EMIs
3. CASHe
- Quick approval using Aadhaar and PAN
- Known for short-term loans
- Backed by a credible financial history
4. MoneyTap
- Offers line of credit
- Trusted app partnered with ICICI, LIC, etc.
5. KreditBee
- Quick loans for young professionals
- Aadhaar + PAN-based approval
- Backed by NBFC: KrazyBee Services Pvt Ltd
✅ Benefits of Getting a Loan via Aadhaar Card
- Instant loan approval
- Minimal documentation
- Completely online application
- No need for collateral or guarantor
- Ideal for emergency cash needs
⚠️ Important Tips Before Applying
- Choose RBI-Registered Lenders
Always verify that the app or bank is regulated by the Reserve Bank of India (RBI). - Read App Reviews
Check user reviews and ratings on the Play Store or App Store. - Compare Interest Rates and Fees
Some apps charge hidden fees. Always read the full terms and conditions. - Check Your CIBIL Score
A good score improves approval chances and lowers interest rates. - Borrow Responsibly
Only take a loan that fits your repayment capacity. - Avoid Fraudulent Apps
Never share OTPs or sensitive data on suspicious platforms.
📝 How to Apply – Step-by-Step Process
1. Choose a Trusted Bank or App
Select a known bank like SBI, HDFC, ICICI or a reputed app such as Navi, KreditBee, or Paysense.
2. Download the App or Visit Website
Get the app from Google Play Store / Apple App Store or visit the bank’s official site.
3. Complete the Application
Enter your name, mobile number, Aadhaar number, loan amount, and repayment term.
4. Complete KYC
Upload Aadhaar and PAN. Do OTP-based e-KYC verification. Some apps may also request a payslip or bank statement.
5. Get Approval & Disbursement
Once verified, the loan is disbursed to your bank account—often within a few hours.
🔗 Useful Links – Official Bank Loan Pages
- SBI Personal Loan – Click Here
- HDFC Bank Loan – Click Here
- ICICI Bank Loan – Click Here
- Axis Bank Loan – Click Here
- Kotak Mahindra Loan – Click Here
📲 Trusted Loan App Links
- Paysense – Click Here
- Navi App – Click Here
- CASHe – Click Here
- KreditBee – Click Here
- MoneyTap – Click Here
🏁 Final Thoughts
How to Get an Instant Loan Using Aadhaar Card: Getting a personal loan using your Aadhaar card is now fast, safe, and simple. Whether you’re facing an emergency or need quick cash for personal needs, Aadhaar-based digital loans can be a great solution. Just make sure to choose verified apps or banks, borrow responsibly, and stay informed.
Thank you for reading! Need help comparing loan apps or choosing the right bank? Just ask below.
