Aadhaar Card Loan Online: Get Fast Approval & Easy EMIs

Getting a personal loan on Aadhaar card has become extremely easy today, thanks to digital lending. Most lenders now allow you to apply for an instant loan on Aadhaar card with minimal paperwork, making credit more accessible than ever. Since an Aadhaar is a 12-digit government-issued ID containing your demographic and biometric information, it acts as a verified document for identity, age and address proof. 

This means you can quickly get a loan on Aadhaar card whether you’re looking for a bigger amount or even a small cash loan on Aadhaar card. Platforms like Fibe simplify this experience by enabling you to apply for an instant loan on Aadhaar card along with a few supporting documents, helping you get money in minutes. 

What is an Aadhaar Card Loan? 

An Aadhaar card loan is simply a personal loan where your Aadhaar is used as the primary KYC document. Because Aadhaar contains verified personal details and is linked to your biometric data, lenders can complete your verification faster, making the entire process digital and quick. However, you still need to meet the lender’s eligibility norms and provide income proof as required. 

Eligibility Requirements for a Personal Loan Using an Aadhaar Card 

To qualify for a loan on Aadhaar card, you must meet the lender’s basic criteria. At Fibe, you are eligible if: 

• You are an Indian resident 

• Your age is between 21 and 55 years 

• You are a salaried employee 

• Your monthly income meets the minimum requirement (₹15,000–₹18,000 depending on the city) 

• You submit your Aadhaar for KYC to get a personal loan on Aadhaar card only 

• You meet the lender’s creditworthiness and risk evaluation norms 

Steps to Apply for a Personal Loan Online with an Aadhaar Card 

Here are the steps to apply for an online personal loan at Fibe: 

Step 1: Visit the official Fibe website or download the Fibe Personal Loan App and sign up 

Step 2: Click on the ‘Personal Loans’ tab at the top of the screen 

Step 3: Start your process by selecting the ‘Apply for a personal loan now’ option 

Step 4: Fill in details like your name, date of birth, email address and mobile number 

Step 5: Enter your loan requirement 

Step 6: Upload your Aadhaar card as ID and address proof 

Step 7: Upload all additional documents required and submit your application 

Step 8: Wait for verification. Once approved, the loan amount is transferred directly to your bank account within minutes 

Fees and Charges for a Loan on Aadhaar Card 

Below are the commonly applicable fees when applying for a personal loan on Aadhaar card: 
 

Type of Fee	Details
Processing Fee	A small percentage of the loan amount; varies by lender
Interest Rate	Based on income, profile and lender policies
Late Payment Fee	Charged if EMI is delayed
Prepayment / Foreclosure Charges	Some lenders permit early closure with minimal charges
Stamp Duty	Applicable as per state laws

Security & Privacy Assurance: 

Fibe uses bank-grade encryption, secure server systems, and Aadhaar-based eKYC authentication to protect your personal data. Your information is stored safely and used only for verification as per RBI guidelines. 

Documents Required for Availing a Loan on Aadhaar Card 

While you may apply for a personal loan on Aadhaar card only, lenders may request additional documents for verification: 

• Aadhaar Card – ID, age and address proof 

• PAN Card (if required) 

• Latest salary slips (for salaried employees) 

• Bank statements (last 3–6 months) 

• ITR / income proof (for self-employed applicants, if applicable) 

Benefits of Availing an Aadhaar Card Loan 

Your Aadhaar card includes details like: 

• Name 

• Address 

• Gender 

• Date of birth 

• Photograph 

• Phone number 

• Email ID 

• Biometric data 

Because it combines all this information into a single ID, Aadhaar serves as a one-point KYC document, speeding up loan approval. If your PAN is already linked to your Aadhaar, you may not need to upload it separately. 

Digital lenders like Fibe have made borrowing quick, secure and paperless. You can complete the entire process online and get funds at pocket-friendly interest rates and flexible repayment tenures. 

Simply download the Fibe Personal Loan App or visit the website to apply instantly. 

FAQs on Aadhaar Card Loans 

Can I avail of a personal loan with my Aadhaar Card? 

Yes. You can apply for a personal loan on Aadhaar card by using it as your ID, age and address proof. 

Can I apply online for a personal loan with my Aadhaar Card? 

Absolutely, you only need to upload your Aadhaar card copy as part of your KYC. 

What is the process of an Aadhaar card loan? 

Visit the lender’s website, check eligibility, fill out the application form, upload your Aadhaar and other documents and wait for approval. 

Is the Aadhaar cash loan genuine? 

Yes, as long as you apply through a recognised and RBI-compliant lender. 

How long does approval take when applying with Aadhaar? 

 At Fibe, you can get approval in just 2 minutes. 

Can I get a personal loan without a PAN card? 

Yes, if the lender accepts your Aadhaar as the primary KYC. 

Will I need a co-applicant? 

No, a co-applicant is not required for an Aadhaar-based personal loan. 

Who is eligible for a loan against Aadhaar? 

Any employed Indian resident aged between 21 and 55 years. 

How much loan can I get on Aadhaar? 

At Fibe, you can get between ₹5,000 to ₹5 lakhs, subject to eligibility.