Premium Metal
0% Forex & Travel
Lifetime Free
10X Rewards
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
More

Notifications

  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

Personal Loan

How to get a personal loan without PAN card?

Key Takeaways

  • A PAN card is a critical document for securing personal loans easily and quickly.
  • While some lenders accept alternate KYC documents, the process can be lengthy and complicated.
  • IDFC FIRST Bank’s FIRSTmoney requires only your PAN card for an instant loan of up to ₹10 lakhs.
  • FIRSTmoney ensures a hassle-free, 100% digital loan application experience.
21 Mar 2025 by Team FinFIRST

When you need urgent funds, a personal loan can be your go-to solution. However, most lenders require specific documents to process your loan application. A PAN card is one of the most requested documents because it helps verify your identity and maintain financial transparency. While some lenders accept alternate KYC documents like Aadhaar or voter ID, the process can be cumbersome and time-consuming.

IDFC FIRST Bank’s FIRSTmoney makes personal loan applications simpler and faster. By requiring only your PAN card, FIRSTmoney offers loans of up to ₹10 lakhs. The entirely digital process ensures a seamless borrowing experience, making it an ideal choice for those seeking quick cash.

Eligibility for a loan without a PAN card
 

Although some lenders allow personal loans without a PAN card, you may need to submit alternate documents such as:

  • Aadhaar card for identity verification.
  • Voter ID or passport as additional ID proof.
  • Income proof such as salary slips or bank statements, to establish financial stability.

The absence of a PAN card can result in longer processing times and stricter eligibility checks. This is because PAN cards are critical for verifying financial history and monitoring creditworthiness.

With IDFC FIRST Bank’s FIRSTmoney, the process is far more straightforward. You only need your PAN card as proof, eliminating the need for additional paperwork. Whether you need funds for an emergency, travel plan, or home renovation, FIRSTmoney offers instant approval and swift disbursal with minimal hassle.

IDFC FIRST Bank’s FIRSTmoney empowers you to secure quick, hassle-free personal loans with just your PAN card—your gateway to financial freedom.

Benefits of applying for a FIRSTmoney smart loan with a PAN card
 

Choosing IDFC FIRST Bank’s FIRSTmoney for your personal loan needs comes with several benefits, including:

1. Swift disbursal
 

FIRSTmoney ensures that once your loan is approved, the funds are credited to your account instantly, saving valuable time during emergencies.

2. Loan amount and tenure flexibility
 

Borrow any amounts up to ₹10 lakhs as per your needs to meet your urgent fund requirement. Enjoy extended tenures of up to 60 months to conveniently repay your loan.

3. 100% Digital Process – Zero Documentation
 

Say goodbye to complex paperwork. With FIRSTmoney, your PAN card is the only document required for loan processing.

4. Zero-foreclosure charge
 

FIRSTmoney offers a zero-foreclosure charge on closing your loan before maturity. This means that you can close your loan by paying the outstanding amount in full without any penalty and save more on interest.  

5. 100% digital application
 

Apply for a loan from the comfort of your home. The entire process, from application to disbursal, is conducted online without the need for branch visits.

6. Greater flexibility
 

Already availed a loan and need additional cash? FIRSTmoney allows you to obtain additional loans with just a few clicks.

Tips to apply for a loan without a PAN card
 

If you need to apply for a loan but do not have a PAN card, consider the following tips:

1. Research lenders
 

Look for lenders who accept alternate KYC documents like Aadhaar or voter ID to process your loan application.

2. Provide comprehensive documentation
 

Ensure you submit valid identity proof, address proof, and income proof for verification.

3. Build a good credit score
 

A strong credit score enhances your loan eligibility, even without a PAN card. Maintain timely repayments to improve your creditworthiness.

4. Maintain financial stability
 

Stable income and a low debt-to-income ratio can positively influence your application. Keep salary slips and bank statements ready as proof.

5. Choose trusted platforms

Apply with reputed lenders, known for their transparent policies and efficient processes.


While these tips may help, using your PAN card with FIRSTmoney simplifies the entire process significantly, allowing you to avoid unnecessary delays.

Conclusion
 

Getting a personal loan without a PAN card is possible, but it often involves additional documentation and longer approval times. A PAN card simplifies the process and ensures smoother and quicker access to funds. IDFC FIRST Bank’s FIRSTmoney takes this convenience to the next level by offering personal loans of up to ₹10 lakhs with just a PAN card, required at time of [DN1] the online Video KYC process.

With a 100% digital application process, flexible loan amounts, quick disbursal, and the ability to secure additional funds in emergencies, FIRSTmoney is the perfect solution for your financial needs.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.

Tags

Contents