💳 Can You Get a Loan Without PAN Card? Here’s What the RBI Allows in 2025
Want a loan without a PAN card? Learn the 2025 RBI KYC guidelines and explore trusted platforms like Vizzve Financial offering loans with alternate documents.
🔍 What the RBI Says About KYC in 2025
The Reserve Bank of India (RBI) requires lenders to perform Know Your Customer (KYC) verification before approving a loan. While PAN is a commonly accepted document, it is not always mandatory—especially for small-value loans.
According to RBI’s Master KYC Guidelines (2025):
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PAN is required only if the loan amount exceeds ₹50,000
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If below ₹50,000, lenders can accept alternative documents like Aadhaar or Voter ID
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RBI-approved NBFCs and fintech lenders may provide relaxation for low-ticket loans through OTP-based eKYC
✅ Can You Get a Loan Without PAN Card in India?
Yes, you can get a loan below ₹50,000 without a PAN card if:
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You provide Aadhaar Card linked to a mobile number
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You are applying for a microloan or short-term personal loan
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The lender uses AI-driven eKYC or RBI-registered alternate verification
⭐ Vizzve Financial – Loan Without PAN Made Simple
Vizzve Financial is a trusted NBFC partner offering instant personal loans starting from ₹5,000 to ₹2,00,000. For smaller loan amounts (₹5,000–₹50,000), Vizzve allows:
🔹 Loan Without PAN Card (below ₹50,000)
🔹 Aadhaar-Based eKYC with OTP
🔹 Same-day disbursal within 1 hour
🔹 No CIBIL Required
🔹 No Salary Slip Needed
🔹 Available for students, homemakers, and freelancers
📋 Documents Accepted for No-PAN Loan via Vizzve
| Document Type | Examples Accepted |
|---|---|
| Identity Proof | Aadhaar Card, Voter ID, Driving License |
| Address Proof | Utility Bill, Aadhaar, Rent Agreement |
| Optional | Bank Statement, Self-declaration |