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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.
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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 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.
Frequently Asked Questions
It is possible in limited cases. Some lenders accept alternate KYC with Form 60 when PAN is unavailable, subject to risk policy and your income profile. Expect being asked for extra documents, in person verification, and slower timelines. Approval is not guaranteed and many lenders still prefer PAN for credit checks and tax reporting. If you do not have PAN, please call the lender first and confirm whether they currently allow such applications.
You can use an Officially Valid Document such as Aadhaar, passport, voter ID, driving licence, or NREGA job card, along with recent bank statements, payslips or income tax acknowledgements. A utility bill can sometimes help. Lenders may also ask for employment proof, photographs, and a signed application. Requirements vary by lender and profile. Keep originals ready for in person verification since paper-based journeys usually involve manual checks and attestation.
Yes, to get a FIRSTmoney personal loan by IDFC FIRST Bank, you need your PAN number for the application and your physical PAN card to be displayed during the video KYC.
Often yes. Without PAN, lenders may rely on Form 60 and additional KYC, then run more manual verifications, which extends processing time. Field visits, phone checks, and bank statement analysis are common in such cases. Digital pre-approvals are less likely. Prepare all documents in advance and respond promptly to information requests. Timely, complete paperwork reduces back and forth and can shorten the process even when PAN is not available.
Aadhaar is an Officially Valid Document and proves identity and address. Many lenders still need PAN or Form 60 for bureau pulls, underwriting, and tax compliance on interest reporting. If you lack PAN, ask if Form 60 is acceptable and whether any limits apply. Carry Aadhaar along with other OVDs, payslips, and bank statements. In practice, Aadhaar alone rarely replaces PAN for personal loans, especially in digital onboarding journeys today.
Start by confirming the lender policy. If they permit loans without PAN, complete Form 60 truthfully. Provide OVDs like Aadhaar, passport, voter ID, driving licence, or NREGA job card, plus payslips, bank statements, and employment details. Be ready for in person KYC and manual checks. Visit a branch with originals and copies so the file can move smoothly. Keep communication clear and respond to any queries.
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.