Aadhar Loan App: How to get Aadhar Loan (2024) 

Thanks to cutting-edge technologies, financial solutions are becoming more easily accessible and convenient in today’s hectic world. The Aadhar Loan App is one such innovation that makes it easier to get loans using your Aadhar card. You can learn the fundamentals of the Aadhar Loan App from this easy-to-use guide.

Aadhar Loan App Overview

Name f ArticleHow to take a loan from Aadhar Card 2024
Type of ArticleOthers 
Apply ModeOnline
Who Can Apply?Every All Pay User Apply
Type of LoanPersonal Loan
Mode of LoanInstant
Loan Amount₹500 Up to ₹50,000 Thousand

Features of the Aadhaar Card Loan App

  • Loan amount: The lowest and maximum loans that can be obtained with an Aadhar card range from Rs. 10,000 to Rs. 50 Lakhs, depending on the lender.
  • Rate of interest: For private lenders, the interest rates on your loan begin at 10.50% annually, while public sector banks charge 8.35% annually. The interest rates, however, differ based on the lenders.
  • Tenure: Repayment terms for personal loans typically range from 12 to 60 months. However, a tenure of up to 72 months might be offered by certain banks.
  • Processing fee: For an Aadhar Card Loan, up to 2% of the authorized loan amount.
  • Prepayment charges: A fee of up to 4% of the total amount owed on the loan will be assessed.
  • Quick Disbursal: After your loan is approved, you’ll get the money back in a few hours.
  • Transparent Process: Since there are no unstated fees, the loan application procedure is entirely clear.

Eligibility Criteria for Aadhar Card Loan

  • Age: When applying for an Aadhar loan, the applicant must be at least 21 years old, and the maximum age for eligibility is 60 years.
  • Credit score: An Aadhar Card Personal Loan requires a credit score of at least 750.
  • Salary: The applicant must have a monthly income of at least Rs 25,000.
  • Work experience: The applicant should have at least two years of work experience and have worked for the current organization for at least one year.
  • Years in current residence:  You must have lived in your current location for at least the past year.

Documents for Aadhar Card Loan App

  • Aadhar Card
  • Passport size photo
  • Bank Statements and Salary Slips for the last 3 months

How to Get a Loan by Adhaar Card Loan App?

  1. User Registration 
  • To apply for a loan using only your Aadhar card, you must first open the Google Play Store on your smartphone. 
  • Next, select the Google Play Store search option and enter Instant Loan in the search bar.
  • Next, on your smartphone, Install the instant loan application.
  • Following the Install, enter your 10-digit mobile number and select Send OTP. An OTP will now be sent to your phone. After entering your OTP, select Verify.
  1. Apply for an Online Personal Loan
  • Next, select the “Start Your Loan Application” option.
  • Enter all of your information now.
  • After that, snap a picture of your Aadhar card’s front and back and upload it.
  • Once the image has been uploaded, snap a live passport-size photo and select the submit option.
  • The loan approval amount will then be displayed.
  • Click the Continue option now.
  • Now provide the bank account information where you wish to receive the loan amount.
  • Click the submit button once the bank information has been entered.
  • You will successfully submit your online loan application as soon as you select the submit option.
  • The loan amount will be credited to your account following your online application.


Personal loans can be obtained quickly and easily using the Aadhar Loan App. This innovative platform makes financial aid more accessible due to its quick disbursement and minimal eligibility requirements. Using digital solutions like these speeds up the loan application process and allows for quick access to funds when needed.

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