Aadhaar card alone is not enough to get a loan
Use Aadhaar as identity and address proof
Choose a bank, NBFC, or digital lending app
Check the loan type you need
Verify the lender is registered and trusted
Keep your PAN card ready
Keep income proof, bank statements, and salary slips ready if required
Fill out the loan application form
Enter your Aadhaar number and complete eKYC
Submit OTP-based Aadhaar verification if asked
Provide your mobile number linked with Aadhaar
Upload required documents
Wait for credit and eligibility verification
Review loan amount, interest rate, tenure, and fees
Accept the loan offer if approved
Sign the agreement digitally or physically
Receive the loan amount in your bank account
Repay EMIs on time to avoid penalties
Check your credit score before applying
Apply only for an amount you can repay
Avoid lenders asking for upfront fees before approval