Short-Term Loan on Aadhaar Card – Apply Online Instantly

Are you aware of the feature of obtaining a short-term loan through an Aadhaar card ID online?  

Today’s more than 1.3 billion people have Aadhaar cards, making it the most popular ID. Lenders can instantly verify your details via Aadhaar-based eKYC, thereby eliminating the need for heavy documentation and lengthy procedures. This instant access to money is needed in situations of timely requirement, whether it be related to an emergency medical treatment, a bill that needs immediate payment, or any short-term monetary requirement. You may just apply for these loans online, and the… 

What Is a Short-Term Loan On Aadhaar Card?  

A short-term loan on an Aadhaar card is a tiny loan by banks and NBFCs using an Aadhaar card as proof of identity and address. Linking your mobile number and biometrics, Aadhaar enables lenders to instantly verify details, which is why these loans have made the process speedy, easy, and paperless.  

Key Features  

• Loan Amount: Generally from ₹5,000 to ₹2,00,000 (depending on the lender)  

• Tenure: Repayment period of 3 to 24 months  

• Eligibility: Verified instantly using Aadhaar

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Eligibility Criteria  

In applying for a short-term loan with Aadhaar, you mostly need to satisfy the following criteria: 

• Minimum Age: 21 years and maximum, 58 years (can be a variation).  

• Minimum Monthly Income: ₹12,000–₹20,000.  

• Proof of employment or business for the past months.  

• Aadhaar card linked to the mobile number for an OTP-based verification.  

Documents Required  

In the majority of cases, the Aadhaar card is enough to prove your identity and address. The lender may sometimes ask for:  

• PAN card to check credit history.  

• Bank statements of the last 3 to 6 months.  

• Salary slips for salaried applicants.  

Benefits of Aadhaar-Based Short-Term Loan   

•  Paperless Process: Aadhaar reduces the requirement of multiple documents.  

• Faster Approval: eKYC expedites the verification process.  

• Accessibility: It is available for both salaried and self-employed individuals.  

• Flexibility: Tenure and loan amount can be chosen according to your requirements.  

• Improves Credit Score: Timely repayment helps in the construction or enhancement of one’s credit history.  

How to Apply Online  

• Go to the bank or NBFC website or mobile app.  

• Fill out the application and enter your Aadhaar number.  

• Finish the eKYC process through OTP verification.  

• Upload any additional documents that may be required.  

• Get loan approval and disbursal directly in your bank account.   

Things to Keep in Mind 

• Interest rates at different financial institutions should be cross-checked before application.  

• Check for hidden charges and processing fees.  

• Borrow only so much money as you can easily repay.  

• Make sure your Aadhaar is linked with your mobile number and bank account. 

Conclusion 

A short-term loan on an Aadhaar card is one of the fastest options for obtaining credit in emergencies. Gentle on paperwork, it leverages technology for instantaneous verification and fast disbursal. If used prudently for satisfying immediate financial needs, it can mitigate a lot of hassle and inconvenience. Responsible borrowing and timely repayment aid in maintaining financial wellness.