How to Get a Loan Without a PAN Card Loan in 2025: Complete Guide

Introduction

With everything going digital, loans are more accessible—but is it possible without a PAN card? Can you still get a loan? Based on my research and experience, the answer is yes — under certain conditions, you can get a loan without a PAN card. Let’s understand how.

What Is a Loan Without a PAN Card?

A loan without a PAN card refers to a small personal or instant loan that can be availed using just your Aadhar card and mobile number. Some NBFCs and fintech platforms now offer such loans, especially for smaller amounts, without requiring a PAN card.

Why Are These Loans Offered?

• To promote financial inclusion
• To support individuals who do not have a PAN card
• For short-term, low-value loans

Who Can Get a Loan Without a PAN Card?

You may be eligible for a loan without a PAN card if you fall into one of these categories:

• Students without a PAN card
• Homemakers or unemployed individuals
• People in rural or remote areas
• Recently opened bank account holders

How to Get a Loan Using Aadhar Card

Aadhar has become a powerful KYC document, making loan approvals quicker.

Step-by-Step Process:

1. Download a trusted NBFC or fintech loan app (e.g., Navi, KreditBee)
2. Use your mobile number and the received OTP to log in securely.
3. Enter Aadhar card details
4. Submit your bank account information
5. Pick the loan amount that fits your needs, then complete the application.

Note: Loan approval depends on your profile and the company’s lending policy.

Top Companies Offering Loans Without PAN Card

Company	Loan Amount	Required Documents	Processing Time
Processing Time	₹2,000 – ₹60,000	Aadhar card only	10 minutes
10 minutes	₹5,000 – ₹1,00,000	Aadhar + mobile number	15 minutes
Navi	₹5,000 – ₹1,00,000	Aadhar + bank details	5-10 minutes

Required Documents for No PAN Card Loan

• Aadhar card (mandatory)
• Mobile number linked to Aadhar
• Bank account details with IFSC
• Optional: Photo or selfie for KYC

Popular Loan Apps for No PAN Card Loans

• KreditBee – Instant loans with minimal documentation
• Navi App – Fully digital loan process
• mPokket – Suitable for students

PAN Card Loan Steps:

1. Install the app
2. Complete KYC
3. Choose your loan amount
4. Receive money directly into your bank account

MSME Loans in India: 2025 Guide

Small and medium enterprises (MSMEs) are crucial to India’s economy. Lack of funds is a major hurdle. MSME loans help bridge this gap.

What Is an MSME Loan?

An MSME loan is designed to support micro, small, and medium-sized businesses for operations, expansion, and innovation. It generally requires a PAN card but is a structured version of a loan without PAN card for eligible borrowers.

Loan Usage:

• Purchase of machinery
• Inventory or stock expansion
• Employee salaries
• Working capital needs

PAN Card Loan Who Can Apply:

• Small or medium business owners
• Entrepreneurs with GST registration
• Service sector businesses
• Manufacturing units

PAN Card Loan MSME Loan Eligibility:

• Age: 21 to 65 years
• Business operational for at least one year
• Good CIBIL score (650+)
• Registered GST and business address
• PAN card (required for most MSME loans)

Documents Required:

• Aadhar card
• PAN card (required for MSME loan)
• 6–12 months bank statement
• Business registration proof
• GST certificate

Application Process:

1. Choose a bank or NBFC (e.g., Lendingkart, Indifi)
2. Upload necessary documents
3. Select loan amount and repayment tenure
4. Submit application and complete KYC
5. Receive loan disbursal within 2–5 days

Recommended Institutions for No PAN Card Loan

Institution	Loan Amount Range	Features
SBI	₹50,000 – ₹50 lakh	Govt. bank, low interest
Lendingkart	₹50,000 – ₹10 lakh	Fully digital application
Indifi	₹1 lakh – ₹25 lakh	Best for startups

Benefits of MSME and No PAN Card Loans

• Available at lower interest rates
• No collateral required
• Government subsidies (e.g., CGTMSE Scheme)
• Fast digital processing

Precautions Before Applying

• Calculate EMI and interest clearly
• Verify credibility of the lender
• Read loan agreement carefully
• Avoid paying upfront charges blindly

Trusted Government Portals

• udyamregistration.gov.in: MSME registration
• psbloansin59minutes.com: Get approval in 59 minutes
• sidbi.in: For SIDBI loan schemes

Pros and Cons of No PAN Card Loans

Pros:

• Minimal documentation
• Fast approval
• Available in rural areas

Cons:

• Higher interest rates (18% – 36%)
• Hidden penalties possible
• Lower loan limits

Key Precautions

• Check if the lender is RBI registered
• Carefully read terms and conditions
• Do not pay any money upfront

How to Apply Without a PAN Card: Quick Guide

Step-by-Step:

1. Download a loan app (e.g., KreditBee, Dhani)
2. Register via mobile number (OTP verification)
3. Upload Aadhar and bank details
4. Choose loan amount (₹5,000 – ₹50,000)

5. Once approved, the money will be sent straight to your bank.

PAN Card Loan Required Documents

• Aadhar card
• Bank statements (3–6 months)
• Mobile number & Email ID
• PAN card not required (for loans up to ₹50,000)

PAN Card Loan Real Benefits

• Instant approval
• 100% digital process
• No collateral required
• Apply anytime, from anywhere

Drawbacks & Risks

• Higher interest rates
• Small loan limits
• Late EMI payments may harm CIBIL score
• Risk of fraud with unverified apps

PAN Card Loan Who Can Get These Loans?

Not everyone qualifies. Approval depends on your KYC, income profile, and location. If your profile is strong, you can get ₹10,000 to ₹25,000 easily without a PAN card.

Why You Should Still Get a PAN Card

Even if you get a loan without a PAN card, it is advisable to apply for one soon:

• To increase loan eligibility in the future
• To access lower interest rates
• To benefit from government schemes
• To build your credit score (CIBIL)

FAQs (People Also Ask)

Q1: Can I get a personal loan without a PAN card?
Yes, some NBFCs and fintech platforms offer loans based on Aadhar card alone.

Q2: Which apps offer loans without a PAN card?
Apps like KreditBee, mPokket, and Stashfin provide small loans without PAN.

Q3: Is this type of loan safe?
Yes, if you apply through RBI-registered apps and understand the terms well.

Q4: Can I get an MSME loan to start a new business?
Yes, some schemes support startups and new ventures.

Q5: Is PAN card mandatory for MSME loans?
Yes, most banks and NBFCs require it for MSME loan applications.

Q6: How long does it take to get an MSME loan?
Digital applications are processed within 2 to 5 working days.

Q7: Do MSME loans offer subsidies?
Yes, under schemes like CGTMSE, eligible applicants may receive subsidies.

If you’re looking for a loan without a PAN card, try one of the trusted apps listed above. Always verify the platform before applying, and seek help if needed.

Disclaimer: This article is for informational purposes only. Always check the official sources or consult with the lender before applying for any loan.