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Last Updated:July 17, 2025, 14:35 is
Now if you suddenly need money, then you can take an instant loan of ₹ 5,000 in a few minutes with the help of Aadhaar card. But take it responsibly and do not forget to repay on time.
Aadhaar Card Loan: If you suddenly need money, now a loan of up to ₹ 5,000 can be easily available in minutes with Aadhaar card and without more formalities. Fintech and NBFC companies have made the loan process so simple that with the help of just a digital application, base and PAN, this amount can be transferred directly to your account.
Who can take this loan? : For this, the age of the applicant should be generally more than 21 years, as well as the source of regular income and a mobile number linked to Aadhaar. The loan process is completely online and easy – registration, OTP verification and minimum documents, that’s all.
How to apply? : Apply through mobile app or website. Enter your name, PAN, Aadhaar number and mobile number. E-KYC of Aadhaar and PAN, verify from OTP. Accept T&C on receiving loan amount offer. When approved, the money will be transferred directly to your bank account within a few minutes. Many apps like Kreditbee, MoneyView, Mpokket offer this type of instant loans.
What are the interest rates and conditions? : The annual interest rate on such small loans can range from 15% to 36%. The duration is usually 3 to 6 months. Not paying EMI on time can spoil your credit score, so timely payment is very important. Facilities like auto-debit or NACH form are also available to repay the loan, which will automatically cut the installments.
Advantages and precautions: This feature is especially good for those who do not have a credit card or do not get a loan immediately from the bank. Instead of taking loans with a non -registered moneylender or high interest rate, taking Aadhaar card loan is safe and fast. Use it only in emergency or temporary needs. The habit of taking loans repeatedly can pose financial risk.
Chance to create credit history: By repaying the EMI time of this small loan, your credit report improves, which can make it easier to take a big loan in the future.
Is there a credit check on a loan of ₹ 5,000?: Yes, credit check is done before the loan approval.
Which apps provide this facility? : This facility is available on apps like Kreditbee, MoneyView, MPOKTE, POCKETLY etc. But before taking a loan from anywhere, please check RBI registration.
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