An Aadhar Card loan is like any other personal loan offered to salaried and self-employed individuals and pensioners. Here, the documentation process is simple, and applicants can provide their Aadhar Card as a KYC document to avail of the loan.

Features & Benefits of Loan on Aadhar Card

Collateral Free

At Piramal Finance, we understand your need for a personal loan and, therefore, do not ask for any collateral during the process. You can now avail of a loan on an Aadhar Card without offering any collateral as security.

High-Value Loan

At Piramal Finance, we offer applicants a personal loan on an Aadhar Card of up to INR 40 lakhs for personal and commercial needs.

Minimum Documentation

With our minimum documentation process, applying for a loan on Aadhar Card is now easy. We aim to give our customers a 100% digital experience, where they can fulfill their financial needs anywhere and everywhere. To get a loan on an Aadhar Card, you must authorize the Aadhar e-KYC and submit other income documents.

Instant Approval & Disbursal

We understand your need for quick funds. Therefore, once you complete the application process, we begin verification. If all is well, we don’t wait to approve your loan. Once the loan is approved, the amount will be disbursed to your account within 24 hours.

Easy Repayment

You can repay the loan amount anywhere between 12 to 60 months, making payments easier.

Documents Required for Availing of a Loan on an Aadhar Card

Are you applying for a loan on Aadhar Card? Here are some documents you must submit for the loan application process.

ID Proof:

To get a loan on Aadhar Card, you must authorize the Aadhar e-KYC and submit other documents such as a PAN card, passport, driving license, voter’s ID, etc.

Address Proof:

For proof of address, you can submit your Aadhar card, driving license, passport, voter’s ID, etc.

Income Proof:

If you’re a salaried individual, you must provide the bank with certain documents such as the bank statement for the last 6 months of your salary account, Form 16, income tax, and a salary certificate or your salary slips for the last 3 months. However, if you’re self-employed, you must submit financial statements such as your balance sheet, P/L statement, income tax returns, GST registration certificate, and trade license.

Interest Rates & Charges

Piramal Finance offers a personal loan on an Aadhar Card with competitive interest rates that start at 12.99% p.a. These interest rates are based on certain factors such as age, employment status, and credit score. Let’s look at each of them in detail.


To apply for a personal loan on an Aadhar Card, you must be between 21 to 60 years of age. Banks or financial institutions often consider younger applicants more creditworthy to repay the loan and are offered lower interest rates. However, on the other hand, older adults between 50 to 60 years of age may be offered a higher interest rate due to the risk of defaulting on a payment.

Employment Status

You must have a steady income to apply for an instant loan on Aadhar Card. This will help you get the loan faster and at a lower interest rate.

Credit Score

Your credit score helps decide your interest rate. Having a higher credit score means that you’re more creditworthy, which could result in you being offered a lower interest rate. However, Piramal Finance offers applicants loans with competitive interest rates even if they have low credit scores.

Frequently asked questions

Can an individual take a personal loan on an Aadhar Card?
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How can an individual get a small cash loan on an Aadhar Card?
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Can an individual avail of an INR 10000 loan on Aadhar Card?
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How much loan can an individual get from an Aadhar Card?
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