How to take loan with Aadhaar Card?

Many people in India who are unable to fulfill their hobbies and needs. We all know that there are about 65 percent middle class in India who depend on loans for most of their needs. Apart from this, interest is also paid on taking loans from private banks. Very few people know that online loans are easily available through Aadhaar Card. If you are looking for a loan, then read this article till the end, here we will tell you how to get a loan through Aadhar card. How can you apply, what documents are required, etc. In this article, you will get each and every information about taking a loan with Aadhaar card.

You all know that the government has made the Aadhar card is so important. Aadhaar card is a document that is used everywhere. To avail all government schemes, you need an Aadhaar card.

How to take loan with Aadhaar Card?

Taking a loan with Aadhaar card is very easy. The Government of India has given the facility to take loans under many schemes, but you can take a loan of up to 25 lakh through the Aadhaar card.

Such people who want to build their own house, if they want to start a business, can easily take a loan. In the government’s Aadhaar card loan scheme, farmers are also exempted. Home loan can also be availed through this. Apart from this, the Aadhaar Card Loan Scheme gives you the opportunity to give many types of loans.

People who are citizens of India, who do not have any old loan outstanding. Also, people who are able to repay the loan can take a loan. Since this is a government scheme, you also need some documents. Such as PAN card, Aadhaar card, bank pass book will be required. You can also apply online if you want.

Apply online for Aadhaar loan?

To take advantage of this scheme, you have to visit the official website of Aadhaar Loan. Where you will get more and more information and can also apply for a loan. The toll free number is given on the official website.

Website link –

You can submit the application for Aadhaar loan by following the steps.

  • When you click on this link and go to the website, a home page will open.
  • You have to tap on Select any option on it.
  • By going here, you will select a category.
  • After which a form will open on your screen.
  • Some details will be asked from you in the form, which you will have to fill.
  • Tick ​​an empty box below and submit the form.

In this way you will be submitted the application for Aadhaar loan. After this you will have to wait for your application to be approved.

You will be contacted as soon as your application is approved. After which you will get a loan.

Documents required for Aadhaar loan

Let us tell you that this loan will not be transferred to you directly in the bank account but in cash. For which you will have to submit some documents.

Those who are salaried,

  • Proof of identity: Aadhaar card / PAN card / Passport / Voter ID card / Driving license
  • Residence proof: Passport / Ration Card / Driving License / Utility Bill / Rental Agreement
  • Income proof: last 3 months bank statement or 6 month bank passbook, last 3 months salary slip
  • Latest form 16
  • Photo

For a self employed or businessman

  • PAN card of the applicant or his company / firm
  • Proof of identity: Aadhaar card / PAN card / Passport / Voter ID card / Driving license
  • Residence proof: Passport / Ration Card / Driving License / Utility Bill / Rental Agreement
  • Income proof: latest 6 month bank statement
    Latest ITR with income calculation, balance sheet, profit and loss statements – Certified by a CAB continuity proof
  • Photo.

Eligibility for Aadhaar loan

If you want to take a loan with Aadhaar card, then for that you will have to follow some terms and conditions. Apart from this, you will be able to take a loan only after the qualifications mentioned below.

  • If you want to take a loan, it is important that you should be able to make a return.
  • Those applying for loans with Aadhaar card should have a mobile number and email-id.
  • The loan applicant must be above 18 years of age.
    You must be an Indian citizen.
  • You have not taken an Aadhaar card loan from any other bank.
  • Bank account and PAN card is mandatory.

Which loans can be availed with Aadhaar Card?

Like we told you above, both personal loan and home loan can be taken from Aadhaar card. Documents required for personal loans, we have told you above.

When you apply for a personal loan, income proof and salary slip are most important for you. Similarly, when you take other types of loans, documents also have to be submitted a little differently.

Now we will tell you which loans you can take apart from personal. And what documents will be required for them.

Property loan

  • Residential proof – Ration card, telephone bill, electricity bill, voter card (you have to give one of these documents)
  • Identification proof- Voter card, Aadhar card, driving license, card given by the company (you have to provide one of these documents)
  • Bank statement / passbook (containing last six months salary)
  • Last two years form 16 with salary slip of last six months
  • Copy of all documents related to Property

Documents required for personal loan

  • Identification proof – (Passport copy / Voter ID card / Driving license / Aadhaar)
  • Identification proof- (Passport copy / Voter ID card / Driving license / Aadhaar)
  • Current date salary certificate with new salary slip / form 16

Loan for self-employed

  • Last two years certified financial statement
  • Proof of address – Ration card, Telephone bill, Electricity bill, Voter card (any one of them)
  • Proof of identity – Voter card, Aadhaar card, Driving license bank statement / passbook (in which salary / income of last six months has been deposited)
  • Copy of all documents related to Property

Documents required for Business Loan

  • Pan card – company / firm / person’s
  • Copy of any one of the following documents (Aadhar card, Passport, Voter id card, Pan card, Driving license)
  • Bank statement for the last six months
    Recent income tax return, as well as computation of income.
  • The balance sheet and profit and loss account of the last two years,
  • Proof of contention (ITR / Trade License / Establishment / Sales Tax Certificate) after being certified / audited from CA.
  • Other documents (sole declaration of property or certified copy of partnership deed,
  • Certified copy of memorandum and articles of association (certified from director) and board resolution (original)


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