Aaj ke digital zamane mein Aadhaar card sirf ek identity proof nahi, balki aapki financial key ban chuka hai. Ab Aadhaar card ke basis par loan milna bahut hi aasaan ho gaya hai – bina zyada documentation ke, bina guarantor ke, aur bina bank ke chakkar lagaye!
Sarkar ne bhi ab kai schemes launch ki hain jinke through Aadhaar card ke basis par loan milta hai – chaahe wo small business ke liye ho, self-employment ke liye ho ya emergency loan ke liye.
To chaliye jaante hain, Aadhar se loan kaise milta hai, kaun si banks aur NBFCs ye loan provide karti hain, aur PM Aadhar Card Loan Yojna kya hai!
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Aadhar Card Par Kitna Loan Milta Hai?
Aadhar ke basis par aapko alag-alag categories mein loan mil sakta hai:
Loan Type
Amount Range
- Personal Loan ₹10,000 – ₹5 lakh
- Business Loan ₹10,000 – ₹10 lakh
- PM Mudra Yojana ₹50,000 – ₹10 lakh
- Emergency Loan (NBFCs) ₹2,000 – ₹2 lakh
Note: Loan amount aapki eligibility, credit score aur repayment capacity par depend karta hai.
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Kaun Kaun Si Banks Aadhar Par Loan Deti Hain?
Aapko Aadhaar card ke basis par loan dene wali kuch popular banks aur NBFCs ye hain:
Banks:
1. State Bank of India (SBI)
2. HDFC Bank
3. ICICI Bank
4. Punjab National Bank (PNB)
5. Bank of Baroda
6. Axis Bank
NBFCs (Non-Banking Financial Companies):
1. Bajaj Finserv
2. Tata Capital
3. PaySense
4. MoneyTap
5. Home Credit
6. KreditBee
7. EarlySalary
8. Navi Finserv
Ye NBFCs aur banks mostly online process se Aadhaar ke basis par instant loan approval deti hain.
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Aadhaar Card Se Loan Kaise Milta Hai? – Step-by-Step Guide
Aadhar card ke through loan lena kaafi simple process hai:
Documents Required:
- Aadhaar Card (mandatory)
- PAN Card (optional but preferred)
- Bank account details
- Selfie or passport-size photo
- Income proof (for some loans)
Apply Kaise Karein?
1. Visit official bank/NBFC website ya loan app download karein (jaise PaySense, KreditBee, Bajaj Finserv, etc.)
2. Form fill karein – naam, Aadhaar number, mobile number verify karein
3. KYC complete karein – Aadhaar OTP se verify ho jaata hai
4. Loan amount select karein
5. Instant approval ke baad paisa aapke bank account mein transfer ho jaata hai
Note: Kai apps 5 minute ke andar loan approve karke 24 hours mein disburse kar dete hain!
PM Aadhar Card Loan Yojana Kya Hai?
Yeh scheme asal mein Pradhan Mantri Mudra Yojana (PMMY) ka hissa hai. Isme Aadhaar card se linked logon ko Shishu, Kishore, aur Tarun categories mein loan milta hai:
Mudra Category Loan Amount
- Shishu Up to ₹50,000
- Kishore ₹50,001 – ₹5 lakh
- Tarun ₹5 lakh – ₹10 lakh
Eligibility:
Indian citizen with Aadhaar
Small business, startup, street vendor, mechanic, tailor, etc.
Bank account linked with Aadhaar
Kaise Apply Karein?
1. Nearby bank branch (SBI/PNB/BOI etc.) mein jaake Mudra form bharein
2. Aadhaar aur business details den
3. KYC complete karne ke baad loan approve ho jaata hai
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SBI Aadhar Card Loan – Trusted & Reliable
- State Bank of India (SBI) bhi Aadhaar ke basis par personal loan provide karta hai:
- Loan up to ₹20 lakh tak
- Repayment period: Up to 6 years
- Interest Rate: Starts from 10.55% p.a.
- Instant approval with Aadhaar e-KYC
SBI ke YONO app se bhi aap loan ke liye apply kar sakte ho – Aadhaar card se link hone par pura process 100% paperless hota hai.
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Important Tips (Jaruri Baaten):
- Hamesha authorized bank/NBFC ya app se hi loan lo
- Aadhaar OTP kabhi kisi ke saath share na karo
- Loan lene se pehle interest rate aur hidden charges check karna zaroori hai
- Jitna zarurat ho, utna hi loan lo – repayment capacity ko mat ignore karo
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FAQs – Aadhar Se Loan Ke Baare Mein
1.Aadhaar card se bina PAN ke loan milta hai?
Kai NBFCs PAN optional rakhte hain, lekin banks mostly PAN mangte hain.
2.Kya Aadhaar par government loan free milta hai?
– Nahi, loan repay karna padta hai, yeh sirf easy process aur low-interest pe milta hai.
Aadhar card se loan lene mein kitna time lagta hai?
– Instant approval ke saath kuch NBFCs 5-24 ghante mein paisa de deti hain.
3.PM Mudra Loan mein Aadhaar mandatory hai?
– Haan, Aadhaar aur bank account link hona zaruri hai.
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Conclusion – Aadhar Se Loan Lena Ab Asaan Hai
Aaj Aadhaar card sirf identity nahi, aapki digital financial power ban chuka hai. Sarkar aur private institutions dono milke loan ko aasan aur accessible bana rahe hain – especially un logon ke liye jinke paas traditional collateral ya high documents nahi hote.
Agar aap bhi apna business start karna chahte ho, ya kisi urgent zarurat ke liye paisa chahiye – to Aadhaar card par loan ek sahi option ho sakta hai.
Aap online loan apply ke liye bank ki official websites par direct apply kr skte h like PNB Bank, Sbi Bank, Union Bank etc