Now Get Personal Loan on Aadhaar Card Without Salary Slip

personal loan on aadhar card without salary slip

personal loan on aadhar card without salary slip

In today’s fast-paced world, financial stability is a cornerstone ofsecure and comfortable life. Personal loans have become a necessary tool in achieving goals like higher education or home renovation.

But what if we told you that there’s a way to access a personal loan with no salary slip?

Personal loan on Aadhaar card without salary slip is just the right tool for it. This innovative financial solution provides quick and hassle-free access to funds, ensuring that your dreams and needs are within reach.

In this blog, we will demystify the concept of obtaining a personal loan using only your Aadhaar card, without the hassle of presenting a salary slip.

So, if you’ve ever wondered about securing a personal loan without the conventional salary slip, keep reading to unlock the doors to financial empowerment. Your dreams are closer than you think!

What Is Aadhaar Card Loan?

An Aadhaar Card Loan is a modern financial lifeline that allows individuals to secure a personal loan, even if they don’t possess salary slips or are currently unemployed.

This lending solution is accessible and convenient, largely thanks to the digitised nature of the Aadhaar card and online application process.

When you opt for an Aadhaar Card Loan, you’re tapping into a hassle-free borrowing experience.

In a nutshell, Aadhaar Card Loan is a contemporary financial solution that makes use your Aadhaar card to grant you a personal loan, even without salary slips.

Also Read: Instant Personal Loan Through Aadhaar Card

How to Get An Aadhaar Card Loan Without Salary Slip?

When you’re looking to secure a loan, the process can sometimes feel like a maze of paperwork and waiting. But with Aadhaar Card Loans, things have become remarkably simpler, especially for those who may be unemployed or lack traditional income proof like salary slips.

Go through the steps given below to understand how to apply for a personal loan Aadhaar card:


1: Provide your primary information like name, contact details, age, and     employment type.

2: The next step requires PAN details and an Aadhaar number. Feed your Aadhaar details here.

3: Let banks get your information from the UIDAI database and complete your KYC process.

4: Once you click on the option “Accept”, the system will start processing your application.

5: Your approved loan amount, interest rate, repayment tenure, and monthly EMI will appear on your screen.

6: You can expect a callback from the Bank or loan aggregator to verify your details.

After the final verification of your documents, the sanctioned amount will be credited to your bank account.

Check if you are eligible for a loan before applying with your Aadhaar card. Some lenders may approve loans quickly based on your credit score and how well you have kept your documents in order.

Know your credit score and choose better offers with Buddy Loan.

Note: Banks and financial institutions must collect KYC information from their customers to prevent money laundering

Also Read: Get a Personal Loan of 50,000 on Aadhaar Card with Buddy Loan

Eligibility Criteria To Get Personal Loan On Aadhaar Card

Eligibility Criteria To Get Personal Loan On Aadhaar Card

Given below are the eligibility criteria for salaried and self employed applicants for an Aadhaar card loan. You can go through the table to understand the criteria more precisely:

Criteria          Salaried        Self-employed
Age 18-60 years 21-65 years
Minimum Income Permanent job with a monthly salary of Rs. 15,000 or more Own business or profession with a minimum annual income of Rs. 2 lakh
Minimum Work Ex./Business Continuity Stable job for at least 6 months Steady Income for at least 2 years
CIBIL Score 685 or higher 650 or higher

Here are some additional factors that affect your eligibility for a personal loan on Aadhaar card:

  • Your debt-to-income ratio (DTI)– This is the percentage of your monthly income that goes towards debt repayment. A lower DTI is considered better.
  • Your employment history- Lenders want to see that you have a stable job and an excellent track record of employment.
  • Your credit history- A good credit history will make you a more attractive borrower to lenders.

Note: Eligibility criteria may vary from lender to lender. It is always advisable to check with the lender before applying for a personal loan.

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List Of Banks and NBFCs Using Aadhaar Card as Primary Identity Proof

The interest rates and tenure period for personal loans using Aadhaar card will vary depending on the lender and your credit profile. However, you mayget a loan at  lower interest rate if you have a good credit score.

Here is a list of banks and NBFCs that offer personal loans using Aadhaar card as primary identity proof:

Bank/NBFC Interest Rates Tenure
Bajaj Finserv 11.00% Up to 5 years
HDFC Bank 10.50% Up to 5 years
ICICI Bank 10.75% Up to 5 years
IndusInd Bank 10.49% 1 to 5 years
Kotak Mahindra Bank 10.99% 1 to 5 years
Lendingkart 12.49% Up to 5 years
Money Tap 13.99% Up to 3 years
OneCard 12.99% Up to 5 years
Prosper 14.99% Up to 3 years
Tata Capital 11.25% Up to 5 years

Note:The interest rates and tenure period may vary depending on the lender and the borrower’s credit profile. It is always advisable to check with the lender before applying for a personal loan.

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Documents Required to apply for Personal Loan on Aadhaar Card:

Documents Required to apply for Personal Loan on Aadhaar card

Aadhaar Card Loan is the most convenient form of personal loan, with only minimal documentation, like KYC, it has become more and more popular. Still, the applicant should keep at least one more KYC form, but in maximum cases, only Aadhaar can get you a personal loan.

  • Filled Application – Duly filled personal loan application form with passport-sized photographs.
  • KYC-related documents- PAN, Aadhaar, Voter Id card, or Driving License
  • Identity proof- Passport, Aadhaar card
  • Address Proof- Utility Bills, passport, Aadhaar card
  • Income Proof- Salary slips of minimum 2 months and ITR returns
  • Other Documents: Office address proof, residence proof or office ownership for self-employed.

With Buddy Loan, you can apply for a personal loan online with an Aadhaar card with minimal documentation. This e-KYC document approves your loan by increasing your chances of eligibility at a faster rate.

Also Read: Get Low-Interest Personal Loans With Aadhaar Card

Benefits of Aadhaar Card Loan

Aadhaar has a person’s biometric data, so it becomes easy for lenders to verify your identity quickly. Go through the points given below to know the  perks of availing a personal loan on Aadhaar card:

  • Accessibility: It gives you access to many services and loans.
  • Quick Approval:You can avail of a personal loan and get quick approval based on e-KYC.
  • Multi-purpose: This document proves multiple things like an individual’s citizenship, age, photo, address, and identity.Aadhaar suffices to confirm an applicant’s citizenship, age, address, and photo.
  • Faster Disbursal:It facilitates faster disbursal of loans.Sometimes submitting a copy of Aadhaar is enough.
  • Time Saving: Since its arrival Aadhaar has proved to be a timesaving tool. Documentation has become quite easy for consumers and financial institutions.

Aadhaar card acts as a permanent identity of your address and credit score, helping lenders to honour your loan approval instantly. Indeed, the best Aadhaar or PAN card might not get your loan, but it allows you to verify your identity and make loan availability easier and quicker.

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Key Points To Remember Before Applying For Personal Loan Through Aadhaar Card

Applying for a personal loan using your Aadhaar card can be a quick and easy way to get the money you need.

However, there are a few key points to keep in mind before you apply:

  1. Check your eligibility: Before you apply for a personal loan, it is important to check your eligibility. This includes factors such as your income, employment status, and credit score. You can find out more about your eligibility by checking with the lender or by using an online eligibility calculator.
  2. Compare interest rates and fees: Once you know you are eligible for a personal loan, you need to compare interest rates and fees from different lenders. This will help you find the best deal for your needs.
  3. Read the terms and conditions carefully: Before you sign any paperwork, be sure to read the terms and conditions carefully. This will help you understand the repayment terms, interest rates, and any other fees associated with the loan.
  4. Be aware of the risks: Personal loans can be a convenient way to borrow money, but they also come with risks. Be sure to understand the risks before you apply for a loan.

Also Read: Loan on PAN Card Complete Guide To The Best Offer!


A personal loan on Aadhaar card without salary slip can be a great option for borrowers who do not have a regular income or who do not want to provide their salary slip. However, there are a few things to keep in mind before you apply for this type of loan.

If you are considering applying for a personal loan on Aadhaar card without salary slip, it is important to do your research and compare offers from different lenders. You should also make sure that you understand the terms and conditions of the loan before you sign any paperwork.

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Q.Can I get a personal loan only with an Aadhaar card?
Yes, you can get a personal loan only with an Aadhaar card.

Q.Can I get a personal loan without a salary slip?
Yes, you can get a personal loan without a salary slip.

Q.How can I get a 30000 loan without a salary slip?
There are a few lenders that offer personal loans without salary slips, but the interest rates and terms may be higher than if you could provide a salary slip.

Q.Can I get a 50000 loan without salary slip and bank statement?
It is unlikely that you will get a 50,000 loan without a salary slip and bank statement.