Can You Really Get a Loan Without a PAN Card in India?
A PAN (Permanent Account Number) card is one of the most important documents required for loan applications in India. But if you don’t have a PAN card, can you still get a loan?
✅ The short answer: It’s very difficult, but not entirely impossible, especially for small-ticket loans or through alternate verification methods.
Why Is PAN Card Important for Loans?
A PAN card is crucial because:
It helps lenders verify your identity and track creditworthiness
It’s mandatory for loans above ₹50,000 under RBI guidelines
It links your CIBIL score and financial history
Loan Without PAN – What Are the Limitations?
| Loan Type | PAN Required? | Alternative Options |
|---|---|---|
| Personal Loan | ✅ Mandatory | Not allowed without PAN |
| Business Loan | ✅ Yes | Some informal lenders may relax it |
| Payday Loan | ⚠️ Maybe | Aadhaar-based verification possible |
| Gold Loan | ✅ Yes | PAN required if above ₹50,000 |
| Microfinance Loan | ❌ Not Always | Aadhaar + Ration card accepted |
📝 Vizzve Finance follows strict KYC compliance, and PAN is mandatory for most loan types we offer.
Is There Any Alternative to PAN?
If you don’t have a PAN card, you can try:
Applying for a PAN online (easy & free)
Using Aadhaar only for micro-loans (below ₹50,000)
Getting a joint loan with someone who has a PAN
But remember — no PAN means no CIBIL, and lenders need credit history to assess your loan eligibility.
💡 What Vizzve Finance Recommends
At Vizzve Finance, we recommend:
✅ Applying for a PAN card before loan application
📲 Using our easy pre-check tool to know eligibility
💬 Reaching out to our support for document queries
We offer loans only with complete KYC, ensuring safety for both lender and borrower.
📌 Final Verdict
If you're planning to borrow more than ₹50,000, having a PAN card is non-negotiable. Even for smaller loans, lenders increasingly require PAN to stay compliant with KYC and credit norms. So if you don’t have one — apply for it first.
❓ Frequently Asked Questions (FAQs)
Q1. Can I apply for a loan online without a PAN card?
For loans under ₹50,000, some lenders may allow it using Aadhaar, but most require PAN.
Q2. Is PAN card mandatory for personal loans at Vizzve Finance?
Yes, at Vizzve, PAN is mandatory for all personal loan products.
Q3. Can students or housewives get loans without PAN?
Only if they apply with a co-applicant who has a valid PAN.
Q4. Will I get a CIBIL score without a PAN card?
No, PAN is required to generate and track your CIBIL credit score.
Q5. What if my PAN is under process?
Wait until you receive your PAN or contact our support team to know your options.
Published on : 22nd July
Published by : SMITA
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