PAN and Aadhaar are essential KYC documents in India. But what if you don’t have one or both?
Whether due to delay, privacy concerns, or living abroad — this is a common challenge faced by many loan applicants.
Here’s the truth: You can still get a personal loan, but there are a few things to keep in mind.
Let Vizzve Finance guide you through it.
Is It Legally Possible to Get a Loan Without PAN or Aadhaar?
Technically:
PAN is mandatory for loans above ₹50,000 due to income tracking.
Aadhaar is not mandatory by law, but often used for e-KYC and faster approval.
So yes, loans without Aadhaar are possible, but without PAN, the options become limited.
Alternative Documents That Can Be Used:
| Purpose | PAN or Aadhaar Alternatives |
|---|---|
| Identity Proof | Passport, Voter ID, Driving License |
| Address Proof | Utility bills, Ration Card, Rental Agreement |
| Income Proof | Salary Slips, Bank Statements, ITRs |
⚠️ Most digital apps may not accept you without PAN/Aadhaar. But offline or semi-digital NBFCs and lenders partnered with Vizzve may offer alternatives.
How Vizzve Finance Helps
Alternate KYC process available through trusted lenders
Manual application assistance for users without Aadhaar
PAN-less loan assistance for amounts under ₹50,000
Guided documentation process for rural and underserved users
Challenges You May Face Without PAN/Aadhaar
❌ Limited approval chances with banks
⚠️ Higher interest rates in risk-based pricing
⌛ Longer processing times (manual verification)
🔒 No access to full digital loan services
Smart Tips if You Don’t Have PAN or Aadhaar
Apply for ePAN — issued instantly via Aadhaar
Use passport or voter ID if allowed
Approach NBFCs with manual KYC flow
Use co-applicant with valid KYC if possible
Avoid shady apps promising “No KYC loans” — most are scams
FAQs
Q1: Can I get a loan on just a passport?
Some NBFCs and co-operative lenders may accept it, especially for smaller amounts.
Q2: I live abroad. Can I apply for a loan in India without Aadhaar?
Yes, if you have a valid NRI account, passport, and income documents.
Q3: What’s the safest way to apply if I don’t have both PAN and Aadhaar?
Apply through a trusted fintech like Vizzve Finance — we’ll guide you to verified partners who offer manual KYC options.
Published on : 22nd July
Published by : SMITA
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