Get the loan without PAN card in 2024: If you are looking for a loan then the PAN Card is a very important. Pan card plays a crucial role for a personal loan in any bank or financial company. Most of the citizens have already applied for PAN card and are using them for many purposes, but some people have not applied for PAN card yet and are facing troubles while applying for personal loan.
Today we will discuss with you a solution to apply for personal loan without PAN card. If you are also looking for instant personal loan without PAN card, you can read this article “Personal Loan without PAN card” where you will get the list of other documents that can be used in the absence of PAN card, and you can check the eligibility criteria and application process for personal loan in the absence of PAN card.
Loan without pan card 2024
According to the Government of India, PAN card is a very essential document for every citizen which helps the government to check the transaction activities of the citizen. PAN cardis used fortransactions tracking of above/more than Rs 50000. So, if you want to get personal loan without PAN card then you can get maximum up to Rs 50000 from your bank without PAN card. Applicants can use this loan amount for many purposes like educational, marriage ceremony, festival, celebration, etc.
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What are the eligibility criteria for the loan.
Before applying for a bank’s personal loan, you must meet the eligibility criteria without PAN card.
- The applicant must be a citizen of India and above 18 years of age. However, the maximum age should not exceed 60 or 65 years as per the norms of different banks.
- The applicant should be employed or self-employed.
- Theapplicant monthly income should be more than Rs 15000rs
- Your CIBIL score should be more than 750 to get an instant personal loan.
Important documents you need for the loan
PAN card is a very important document which is required in every bank or financial company that provides personal loans, for KYC purposes, but if you do not have PAN card then you can use the following document, so that the bank also Will cooperate with you and provide personal loans:
- Aadhar card
- Voter ID Card
- electricity bill
- employment certificate
- last three months’ salary slip
- Bank statement of last three months
- Any other government recognized identity card will add to your credibility.
You can avail loan from these apps without having pan card
If you do not have a PAN card, there are currently some instant loan applications that can provide you a loan even without a PAN card. Based on Aadhar card and after verifying your income certificate, these instant loan applications provide you loans ranging from ₹ 1000 to ₹ 50000.
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Here below we have provide you a list of the apps, you can get an instant loan from these apps without having pan card.
| 1 | MoneyView | Rs 10,000 up to ₹5,00,000 |
| 2 | Dhani | Rs 50,000 |
| 3 | Navi | Rs 50,000 to 20,00,000 |
| 4 | CASHe | Rs 1,000 to Rs 4,00,000 |
| 5 | Money Tap Rs. | Rs 10,000 to Rs. 5 lakhs |
| 6 | KreditBee | Rs 1,000 to 3,00,000 |
| 7 | Buddy Loan | Rs. 10,000 to Rs. 15 Lakhs |
| 8 | Nira | Rs 5,000 to Rs 1,00,000 |
| 9 | PaySense | Rs.5,000 to Rs.5 lakh |
| 10 | RupeeRedee | Rs 2000 to 25000 |
| 11 | True Balance | Rs 5,000 to 50,000 |
| 12 | India Lends | Rs. 2000 upto Rs 5,00,000 |
| 13 | mPokket | Rs 500 to Rs 30,000 |
| 14 | Kissht | Rs 30,000 |
| 15 | Home Credit | Rs 10,000 upto ₹5,00,000 |
Loan interest rate and the additional fee of the loans
The interest on these types of loans is almost the same for everyone. Let’s take a look:
| Interest Rate | 1.33% per month |
| Loan Processing Fee | 2% to 8% |
| Interest on deferred EMI | 2% per month |
| Regeneration period | 91 days to 15 months |
| As per GST Charges | 18% |
| Late fee to be paid in case of delayed EMI | |
| Loan servicing charges | will depend on the loan amount |
How to get loan from above mentioned applications
To easily get a personal loan without a PAN card, one can follow the steps given below with the help of instant loan apps:
Step 1. Install the loan app from Google Play Store.
Step 2. Sign up with your mobile number.
Step 3. Fill all the information like your name, address, date of birth, address, income etc.
Step 4. Upload your KYC documents.
Step 5. Now wait for the loan to be approved, as soon as the loan is approved, the amount is transferred to your bank account.
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Important note:You should only apply for those mobile applications which are certified by RBI. Many online companies are cheating their customers by asking them for their PAN card and Aadhar card information. If you are applying for a personal loan from a third-party application, you should check the interest rates as many companies have interest rates as high as 36% for their customers, so if you do not check the terms and conditions If you do so, you may have to pay a large amount of money for interest in these companies.