Loan on Aadhar Card- Instant Access to Loans with Just Your Aadhaar!
Quick Approval & Disbursal
No Collateral Needed, just apply with Aadhar
Use Funds for Travel, Emergency, Business & More
Why Choose Kreditbazar for a Loan on Aadhar Card?
We partner with top lenders and NBFCs to provide fast, flexible, and customised loans.
Instant Loans with Just Aadhaar-Based KYC
Gone are the days of paperwork and endless waiting. With us, you can apply for a personal loan using just your Aadhaar Card. Our partnered NBFCs and banks offer loans with minimum documentation, making the process smooth and stress-free.
Trusted Partners. Exclusive Offers
We’ve tied up with India’s top lenders to bring you exclusive personal loan offers tailored for Aadhaar cardholders. Get access to low-interest rates, flexible EMIs, and customised plans—all from trusted sources.
Super-Fast Approval in 24-48 Hours
Need money in a hurry? No problem! Our partners process loan applications quickly, with approvals and disbursals often within 24 to 48 hours. Whether it’s for a wedding, emergency, education, or business, get funds when you need them most.
No Credit Card or Collateral Required
Don’t have a credit card? No worries. Kreditbazar helps you secure a loan on an Aadhaar card only, without needing to pledge assets or provide a guarantor.
Loans Based on Your Income & Profile
Whether you’re salaried or self-employed, you can get a loan amount suited to your income profile. Our partners evaluate your Aadhaar-linked financial details to offer you a customised loan that fits your needs.
100% Transparent Process
We hate hidden charges as much as you do. With us, you’ll know exactly what you’re signing up for—no hidden fees, no fine print—just honest, clear, and reliable service.
Are There Any Fees Involved in a loan on an Aadhar card?
Understand all the charges before you apply for your Loan. We keep things transparent, no hidden fees, just simple terms.
| Fee Type | Amount |
|---|---|
| Rate Of Interest | Starting from 16% p.a. on a reduced balance basis |
| Processing Fee | Starting from 2% of the loan amount plus GST |
| Tenure | 3 to 36 months |
| APR | Starting from 18% |
| Bounce Charge | ₹500 plus GST |
| Late Payment Charges | ₹500 plus GST or 3% of the total loan amount, whichever is higher as per the overdue amount |
| Stamp Duty | 0.1% of the loan amount |
| Mandate Rejection Charges | ₹250 plus GST |
| Pre-Clouser Charges | Nil |
Know Loan Criteria, Apply Confidently!
Quick and Simple Requirements to Avail a Personal Loan through Kreditbazar
NBFC Loan Criteria for Salaried
Eligibility Criteria -
Age Range: 21 to 55 years
Monthly Income: ₹15,000 & above (Reflected in bank statement)
Job Duration: Min. 1 year
Nationality: Indian
Documents Required -
Identity Proof : Passport / Aadhaar card / PAN card / Driver's license
Selfie : A clear picture of yours with proper lighting
Address Proof : Passport / Rent agreement / Utility bills / Voter’s ID
Proof of Income : Bank statements / Salary slips (3 months) / Form 16
NBFC Loan Criteria for Self-Employed
Eligibility Criteria -
Age Range: 21 to 55 years
Monthly Income: ₹15,000 & above (Reflected in bank statement)
Business Duration: Min. 1 year
Nationality: Indian
Documents Required -
Identity Proof : Passport / Aadhaar card / PAN card / Driver's license
Selfie : A clear picture of yours with proper lighting
Address Proof : Passport / Rent agreement / Utility bills / Voter’s ID
Proof of Income : Bank statements / Minimum 3 Year IT Return
Choose a Loan As Per Your Needs
Looking for the right plan? Find the best Loan option based on your budget and needs. Apply easily using an Aadhaar Card and pay in flexible EMIs.
Travel
Education
Emergency
Shopping
Wedding
Low Salary
Maternity
Gifting
Home Renovation
FAQs about a Loan on an Aadhaar card
Find answers to common queries about loans on Aadhar Card, including eligibility, application process, fees, and more.
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Can I get a loan with just my Aadhaar card?
Yes! Aadhaar e-KYC makes it possible to apply without heavy documentation.
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How fast will I get the money?
Most loans are approved and disbursed within 24-48 hours.
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Is my CIBIL score required?
While it helps, some lenders offer Aadhaar loans based on income proof or bank statements.
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Is this available PAN India?
Yes, Aadhaar-based loans are available across India.
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What is the minimum income required to get a loan on an Aadhaar card?
Most lenders require a minimum monthly income of ₹15,000 to ₹25,000, depending on your location and employment type.
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Can I get a personal loan only with an Aadhaar card, without a PAN card?
While Aadhaar is the primary KYC document, most lenders also ask for a PAN card to complete the verification process. It’s best to keep both handy.
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Is Aadhaar loan available for students?
Yes, students can apply with a co-applicant (like a parent or guardian) who meets the income and eligibility criteria.
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What if my Aadhaar card has an old address?
Lenders may ask for additional address proof (like a utility bill or rental agreement) if your Aadhaar address is outdated.
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Will my credit score affect the approval?
Yes, if the lender checks your credit score. But some NBFCs offer low amount loans without heavy emphasis on your CIBIL score, especially if your bank statement or income proof is strong.
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s an Aadhaar-based loan safe to apply for online?
Absolutely! When you apply through Kreditbazar, your information is encrypted and shared only with trusted, RBI-registered lenders.
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What is the interest rate for Aadhaar loans?
Interest rates vary based on the lender, income profile, and loan amount. Typically, rates range between 10.5% to 24% per annum.
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How much loan can I get with my Aadhaar card?
You can get anywhere between ₹10,000 to ₹5 lakhs, depending on your eligibility and repayment capacity.
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Can homemakers apply for a loan using Aadhaar?
Yes, homemakers can apply with a co-applicant who has a regular income and valid KYC documents.
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Is there any prepayment or foreclosure charge?
Some lenders charge a small prepayment fee, while others allow free foreclosure after a specific period. Always check the terms before signing.
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Can I apply for a second loan on Aadhaar if I already have one?
Yes, if your repayment history is clean and you meet the income criteria, you can apply for a top-up or a second loan.
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What if my Aadhaar card is not linked to my mobile number?
Linking your mobile number to Aadhaar is necessary for OTP-based eKYC. Visit your nearest Aadhaar centre to update your number before applying.
