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  • Pancard Loan

Personal Loan For Pancard Loan

PAN cards (Permanent Account Number) have become one of the most used identification proof used by both government and non-government agencies. It is a ten-digit alphanumeric number (having both alphabets and numbers) that links an individual's financial transactions with their tax liabilities.

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Features & Benifits

Instant Loan offer in 3 mins
24-hour disbursal
No collateral required
Loan upto 10 Lakhs
Paperless process
Attractive interest rates

PAN Card Loan

Getting a personal loan with a PAN card is a very easy process, as most lenders now prefer PAN cards as identification proof for personal loans. A PAN Card can give them a detailed account of your financial status and repayment capacity. This makes personal loan application with a PAN card much simpler than using other proofs.

Benefits of PAN Card Personal Loan

  • Your PAN card is linked to all of your bank accounts, loans, and credit cards, which makes it easier for lenders to check your credit profile.
  • PAN cards enable lenders to access credit scores (like CIBIL) and credit information reports to assess your creditworthiness and personal loan eligibility.
  • It also helps them assess if you are financially disciplined with a good repayment history and have the capacity to repay the loan every month on time. This will increase your chances of loan approval.

Features of a PAN Card Personal Loan

Impressive personal loan funding

With a PAN Card, you can apply and get personal loans from Rs. 5,000 to Rs. 20 lakhs.

Attractive interest rates

You can avail of personal loans for an interest rate as low as 12%.

Note: Your interest rate depends on your credit score. The higher your credit score, the lower your interest rate.

Instant approval and loan disbursal within 24 hours

Once you have completed your application process, you can get your application verified and approved in just under 3 minutes. Your loan amount will also be disbursed to your bank account within 24 hours of approval.

No collateral required

Personal loans are unsecured. You do not need to submit any collateral like shares, property, gold, etc. You can get loan approval if you fit the eligibility criteria and submit the required documents.

Easy repayment with flexible tenure

You get a flexible tenure of 9 to 42 months for a personal loan. You can choose the tenure that suits your financial needs and repay the amount in monthly installments.

No restrictions on how you use the loan amount

There are no restrictions on what you can use the loan amount for. You can use it to pay for a wedding, a medical emergency, education, travel, etc.

Entirely digital process

The entire process, starting from application to cash disbursal, is digital, so you don’t need to travel between your home and the bank to apply for a personal loan. You can apply online for a PAN Card loan.

Eligibility Criteria

The eligibility criteria for a personal loan application vary from lender to lender. At, we have a set of eligibility requirements that an applicant should meet for us to approve their loan. Below are those eligibility requirements.

  • Your age should be between 21 to 60 years.
  • You should have a stable income source with a monthly income of a minimum of Rs. 15,000/-
  • You should either be a salaried or self-employed applicant.
  • You should have a minimum credit score of 700
  • You should be an Indian citizen
  • You should also meet the minimum income requirement of your city of residence.

Documents Required

In addition to your PAN card, you will also be required to submit the following documents while applying for your personal loan.

Proof Document required (any one in each category)

Photo Identity Proof

1. Aadhar Card

2. Driving License

3. Voter’s ID

4. Passport

Address Proof

1. Aadhar Card

2. Ration Card

3. Utility Bill(electricity, telephone, gas, water, etc.) - the bill must be within 2 months

4. Passport

5. Driving License

Income Proof

1. Salary slips with Form 16 (from the last 3 months)

2. Bank statements with salary credit (within 3–6 months)


Colored passport-size photo

Proof of investment (if any)

1. Fixed assets

2. Fixed deposit

3. Shares, etc.

Proof of existing loans (if any)

Payment track record & sanction letter


PL Tips & Guide

Things to consider before using a personal loan for home loan down paymentThings to consider before using a personal loan for home loan down payment
Banks issue only up to 90% of the property value as home loan and the remaining 10%, plus additional expenses, has to be borne by the buyer. Will a personal loan help to bridge this gap?
Sunita Mishra13 Mar '23
Using a personal loan to clear overdue payments: All you need to knowUsing a personal loan to clear overdue payments: All you need to know
If you are applying for a personal loan, it is important to understand overdue payments and how a personal loan can be used to clear overdue payments.
Housing News Desk07 Jun '22
Home loan vs personal loan: Which one should you choose?Home loan vs personal loan: Which one should you choose?
Consumers are shifting to personal loans increasingly, because banks are becoming more generous with them. What works best for you in the long run? Let us find out
Housing News Desk18 Oct '21


What is the minimum CIBIL score required for personal loan?What is the minimum CIBIL score required for personal loan?
A good CIBIL score allows the borrower to get advantages in terms of interest rates and other benefits.
Geethapriya Srinivasan26 Mar '24
How to get a loan for pensioners?How to get a loan for pensioners?
Loans for pensioners act as a safety net for people on pension.
Geethapriya Srinivasan23 Mar '24
How to read personal loan statement of account?How to read personal loan statement of account?
SOA for borrowers helps them manage their repayments effectively.
Geethapriya Srinivasan20 Mar '24
How to get a personal loan without bank statements?How to get a personal loan without bank statements?
One may be subjected to certain extra conditions to receive a personal loan without bank statements.
Geethapriya Srinivasan17 Mar '24
What is the maximum personal loan amount I can get on my salary?What is the maximum personal loan amount I can get on my salary?
Understanding eligibility for personal loans helps borrowers to increase the amount to be borrowed.
Geethapriya Srinivasan13 Mar '24
What is the meaning of payday loans?What is the meaning of payday loans?
Payday loans allow easy access to funds.
Geethapriya Srinivasan10 Mar '24


Down Payment

I had been saving up for years to buy my dream home, but I fell short on the down payment.'s personal loan was a lifesaver, providing the extra cash I needed to close the deal and move into my forever home.

Amit S

from Hyderabad

Home Renovation

I needed to make some major updates to my rental property.'s personal loan gave me the funds I needed to make the necessary repairs and increase the value of my property.

Kavita M

from New Delhi

Medical Loan

I needed a personal loan to cover unexpected medical expenses, and came through with competitive rates and fast approval. I'm so grateful for their support during a tough time.

Vaibhav N

from Gurgaon

Wedding Loan

My wedding was just around the corner, and I needed some extra cash to cover the expenses. gave me the flexibility I needed to make my dream wedding a reality.

Rohit S

from Bangalore

Help & Support

Still have questions? Reach us now.

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