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Personal Loan

How to Get a Personal Loan Using Only Your PAN Card

Key Takeaways

  • Key Takeaway ImageYour PAN card is essential for any personal loan application. It acts as your primary proof of identity and is linked to your financial history, which lenders use to assess your creditworthiness.
  • Key Takeaway ImageFIRSTmoney by IDFC FIRST Bank revolutionises the loan application process with a 100% digital and paperless experience. You can apply online with just your PAN card and complete a quick video KYC for verification.
  • Key Takeaway ImageWith FIRSTmoney, you get instant approvals, zero foreclosure charges, flexible repayment tenures from 9 to 60 months, and competitive interest rates starting from 9.99% p.a.
16 Jul 2025 by Team FinFIRST
How to Get a Personal Loan Using Only Your PAN Card
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When you need a personal loan, the thought of gathering endless paperwork can be daunting. It’s no wonder so many people ask, "Can I get a loan with just my PAN card?"

While the idea of a "PAN card loan" is popular, it's important to understand the reality. Let's bust some myths and show you how personal loans like FIRSTmoney have simplified the journey, making it possible to get a loan online with minimal hassle.

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The role of your PAN card in a personal loan application
 

Your PAN (Permanent Account Number) card is the cornerstone of any personal loan application in India. Think of it as your financial passport. It serves as a primary identity document and is uniquely linked to all your financial and tax-related data.

Lenders use your PAN to instantly access your CIBIL score and credit history. This helps them verify your financial health and determine your loan eligibility, which is a key part of responsible lending. For digital personal loans like FIRSTmoney, the PAN card is critical for instant and secure Know Your Customer (KYC) compliance.

Standard documents usually needed for a personal loan
 

Here’s where things get interesting. While your PAN card is mandatory everywhere, the amount of additional paperwork required can vary dramatically.

Traditional Lenders:

Most traditional banks and NBFCs require a whole checklist of documents in addition to your PAN card:

-  Identity Proof: An Aadhaar Card, Passport, or Voter ID.

-  Address Proof: Utility bills or a rental agreement.

-   Income Proof: Recent salary slips, bank statements, or ITR filings for self-employed individuals.

This process often involves scanning, uploading, and waiting for manual verification, which can be slow and cumbersome.

Your PAN card opens the door, but responsible lending needs a little more—FIRSTmoney makes it easy, fast, and hassle-free.

FIRSTmoney advantage: Minimal personal loan documentation
 

At FIRSTmoney, the loan process is quick, paperless, and borrower-friendly without compromising safety.

  • FIRSTmoney borrowers can apply online using their PAN Card as the key document.
  • The paperwork is minimal, completely paperless, and is digitised and uploaded within minutes.
  • Borrowers need to do a video KYC with their PAN card for verification.
  • After verification, FIRSTmoney offers zero foreclosure fees, flexible repayment tenures ranging from 9 to 60 months, competitive personal loan interest rates beginning from 9.99% p.a. and instant approvals, making it a convenient experience.
  • The amount is quickly disbursed into the borrower's account, helping them fulfil their urgent needs.

Steps to apply for a personal loan with just your PAN card
 

It is simple and entirely digital to apply for a personal loan through FIRSTmoney.

  • Download the IDFC FIRST Bank app or scan the QR code on the IDFC FIRST Bank website to start the loan application process
  • Enter your personal details for instant eligibility checks.
  • Display your physical PAN card for verification during the video KYC process.
  • Funds are disbursed directly into your bank account almost instantly upon approval, helping you meet your urgent needs without delay.

Conclusion

Though getting a loan via PAN card only may sound alluring, FIRSTmoney and other lenders need to ask for some supporting documents so they can lend responsibly and offer an easy borrowing process.

But with the innovative, secure, and paperless approach by FIRSTmoney, you can apply from the comfort of your home, get fast approvals, and have loans based on totally transparent terms.

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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