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Personal Loan

Can I a get Personal on Aadhaar Card?

Summary: A Personal Loan application process can become quite time-consuming, with various documentation requirements. But now, you can apply for a Personal Loan with just your Aadhaar Card. Read on for more.

19 Sep 2025 by IDFC FIRST Bank
Personal Loan on Aadhar Card
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What is a Personal Loan on Aadhaar Card?

When you apply for a personal loan  using an Aadhaar card,  your Aadhaar card acts as the primary document for verification. It’s a hassle-free way to apply for an instant personal loan. While Aadhaar alone isn’t sufficient to secure a loan, it enables IDFC FIRST Bank to verify your details electronically through the e-KYC process. This digital-first approach ensures faster approvals and a seamless borrowing experience.

With IDFC FIRST Bank, you can leverage your Aadhaar card to apply for a personal loan online, saving time and effort while enjoying competitive interest rates and flexible repayment options.

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FIRSTmoney smart loans: Who can apply for it?

A FIRSTmoney smart Personal Loan is an innovative loan solution for meeting various financial requirements. The smart loan is designed for salaried and self employed individuals with a credit score of 710 and above who are aged between 21 to 60 years The loan amount that is approved is based on your credit profile and CIBIL score.

Upon satisfying all of the above-mentioned criteria and based on your creditworthiness, you can get a FIRSTmoney smart personal loan of up to₹10 lakhs with the flexibility to repay your loan anytime without any foreclosure charges. 

How to apply for FIRSTmoney smart loans online?


Applying for FIRSTmoney smart loan is a breeze and all you need is to follow these steps:

  • Start by scanning the QR code or clicking loan from your smartphone.
  • Register using your mobile number and confirm basic/personal details to check your eligibility.
  • Select the loan amount of your choice and choose flexible repayment terms.
  • Link your bank account where you wish the funds to be disbursed.
  • Complete the video KYC verification process with your physical PAN card.

Why choose FIRSTmoney smart loans over others?
 

  • ZERO foreclosure charges


    • FIRSTmoney loans have a zero-foreclosure charge policy, which means you can foreclose the loan before your repayment period ends without incurring any charges. You can end your financial liabilities anytime by paying off the outstanding amount.

  • Easy on demand loan


    • FIRSTmoney gives you the flexibility to opt for additional loan with just a few clicks to you’re your extra fund requirements.

  • One-time setup of the loan with no maintenance charges

    • With FIRSTmoney, IDFC FIRST Bank will offer you a loan offer based on your creditworthiness. There are no maintenance charges that you have to incur on yourloan. All you need is to pay a one time processing fee while applying for the loan.

  • Instant approval and swift disbursal


    • The completely digital application journey makes it convenient for you apply for a FIRSTmoney smart loan. The approval and disbursal processes are quick and convenient, and once the documents are verified, you can obtain a single loan or multiple on-demand loans based on your requirments.

  • Making a suitable choice


    • While Personal Loans are a preferred way to meet urgent fund requirements, lengthy paperwork is not something you would want to get stuck with. A FIRSTmoney smart Personal Loan not just offers better loan terms but is also much easier to apply for as compared to traditional Personal Loans, making it the smarter financial choice to take care of your expenses.

    You can get an instant cash loan easily with no documentation using your PAN and Aadhaar number and physical PAN card for video KYC.

    Explore our options for ₹50000 personal loan, and ₹60000 personal loan.

    Frequently Asked Questions

    Will I need other documents apart from Aadhaar for a personal loan?

    For FIRSTmoney personal loan, all you need is your PAN and Aadhaar number for application and your physical PAN card for the video KYC. For other lenders, you may require more documents such as your recent bank statements and salary slips or income proofs. Address proof may be required if your Aadhaar address is outdated. A cancelled cheque or passbook page can help verify bank details. Requirements vary by lender and profile, so review the checklist and carry originals for quick verification when applying.

    How fast is Aadhaar based personal loan approval?

    You can get FIRSTmoney personal loan disbursed in as little as 30 minutes. In general, the speed of personal loan approval depends on accuracy of your documents and verification. In fully digital journeys, many eligible customers see funds soon after video KYC, sometimes in a few minutes, while others take longer due to extra checks, holidays, or network issues. Keeping PAN, Aadhaar, statements, and correct bank details ready helps reduce back and forth. Enter accurate information, respond to alerts promptly, and ensure connectivity to support a smoother process overall today.

    Is Aadhaar personal loan application fully digital?

    Yes, many lenders offer a fully digital application process. You start in the app or website, enter basic details, and consent for checks. Complete video KYC using Aadhaar and PAN, verify bank account, register eNACH, and eSign the agreement. Some applicatnts may be asked for income proof or bank statements. If video KYC fails due to network or lighting, a branch visit or a fresh appointment can complete the journey successfully.

    With FIRSTmoney, you can apply for a personal loan in 100% digital manner using your Aadhaar and PAN number and physical PAN card for video KYC.

    What is the maximum personal loan I can get on Aadhaar?

    Maximum personal loan amount depends on your eligibility, income stability, existing EMIs, credit score, employer profile, and the lender’s policy. With FIRSTmoney, you can get a personal loan amount up to ₹10 lakh.

    Pre-approved customers see offers displayed in the app, while others go through regular assessment. Improve chances by keeping statements clean, reducing unsecured balances, and updating KYC. Check the dashboard periodically, since offers and limits can refresh as your profile changes gradually.

    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.

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