In times of financial emergencies, obtaining a personal loan using your Aadhaar card without a PAN card can be challenging. Typically, lenders such as banks and NBFCs require specific documentation for short-term personal loans. This raises the question: Is it possible to get a personal loan without a PAN card?

While a PAN card is deemed essential for loan applications, some online loan providers like Navi and Moneyview offer small cash loans using an Aadhaar card without needing a PAN card, accepting documents like Voter ID or Passport instead. This article details applying for a personal loan without a PAN card, covering eligibility and required documents.

Understanding Small Cash Loans

Small cash loans are unsecured personal loans aimed at short-term financial needs. These instant loans can fund travel, medical emergencies, home repairs, gadgets, or weddings.

Key Features and Benefits of Small Cash Loans

• Quick Disbursal: Loans are disbursed quickly after verification, often directly to the borrower's account.
• Minimal Documentation: Requires few documents such as Aadhaar card, selfie, bank statements, and salary slips.
• Paperless Online Process: Available through apps and websites with digital application, e-KYC, approval, and disbursal.
• Collateral-Free: No security needed to secure the loan.
• Competitive Interest Rates: Based on credit score, income, and other factors.
• Flexible EMIs: Offers flexible repayment tenures with EMIs from 6 to 50 months.

Providers Offering Small Cash Loans on Aadhaar Cards without PAN Cards

• Navi
• Moneyview
• MoneyTap
• FlexSalary
• Dhani
• KreditBee
• mPokket
• Rupeelend
• Stashfin
• CASHe
• Pocketly
• IndiaLends

How to Apply for a Small Cash Loan without a PAN Card?

1. Visit the lender's official site or app.
2. Enter personal details, including Aadhaar number.
3. Verify eligibility by selecting loan amount and tenure.
4. Complete online e-KYC using Aadhaar card.
5. Provide bank info and enable auto-debit.
6. Upon approval, funds are transferred to your account.

Documents Required for a Small Cash Loan on an Aadhaar Card

You only need your Aadhaar card for e-KYC. Some lenders may request salary slips or bank statements.

Eligibility Criteria for a Small Cash Loan

• Age: 21 to 65 years old.
• Nationality: Must be an Indian resident.
• Employment: Open to both salaried and self-employed individuals.
• Bank Credit: Income must be credited to a bank account.
• Income: Minimum monthly income of Rs. 15,000.
• CIBIL Score: Minimum score of 600.

For urgent financial needs, consider applying for an instant loan on an Aadhaar card for a quick, convenient solution anywhere, anytime.