PAN Submitted, But Loan Still Stuck?
You did everything right — filled the form, uploaded your PAN card, hit submit — and yet your loan status is stuck on “pending” or worse, rejected.
Let’s break the myth: PAN is essential, but not enough.
At Vizzve Finance, we explain why just a PAN card won’t unlock your loan — and what you can do next.
Why PAN Is Necessary (But Not Sufficient)
Yes, your Permanent Account Number (PAN) helps verify:
Your identity
Your income tax profile
Whether you’ve defaulted in the past
But loan approvals rely on more than just ID. Here’s what’s missing:
5 Reasons Your Loan Is Still Stuck After PAN Submission
1. No Proof of Income
PAN doesn’t prove your current earning.
✅ What lenders need:
Salary slips
Bank statements
UPI transaction logs (for gig workers)
Vizzve Fix: Get loans using bank/UPI income proofs — even if you don’t have a salary slip.
2. Low or No Credit History
PAN links to your credit score, but if your score is below 650 or missing, you’ll likely get stuck.
✅ What lenders prefer:
Repayment history
On-time EMI records
Vizzve Fix: Start with a small loan to build credit. We have options even for first-time borrowers.
3. Unstable Employment or Gaps
PAN doesn’t show your job history.
✅ What matters:
Job stability
Duration of employment
Vizzve Fix: Self-employed? Freelancer? No problem — we accept alternate income documentation.
4. Mismatch in KYC Documents
Your PAN name doesn’t match Aadhaar? Address is outdated?
🛑 KYC mismatch = Auto rejection
Vizzve Fix: Real-time e-KYC verification & prompts to fix errors before submission.
5. Pending Dues Linked to PAN
Any past default, settled loan, or bounced cheque linked to your PAN can halt approval.
Vizzve Fix: Use our dashboard to check & clean your credit profile before reapplying.
What You Actually Need to Get Approved
| Required Document | Why It Matters |
|---|---|
| PAN Card | Identity & tax validation |
| Aadhaar Card | Address + biometric verification |
| Bank Statement (3–6 mo) | Shows income flow |
| Credit Score (CIBIL) | Reveals your creditworthiness |
| Salary Slip / Income Doc | Confirms earning source |
FAQs
Q1. Can I get a loan with just a PAN card and Aadhaar?
Only if your income and credit score are verified through other means like bank data.
Q2. What if I don’t have a salary slip?
With Vizzve, you can use UPI history, GST filings, or bank inflow instead.
Q3. How can I check why my loan is pending?
Use Vizzve’s real-time tracking tool to know what’s missing or wrong in your application.
Q4. Is PAN enough for small ₹5,000–₹10,000 loans?
Even for micro-loans, income and KYC checks are essential. PAN is just one part.
Published on : 23rd July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed