Personal Loan Without PAN Card 2024: पैन कार्ड से लोन मिलेगा हाथों-हाथ, इंस्टेंट अप्रूवल

Personal Loan Without PAN Card: A PAN card is a very important document while applying for a personal loan in any bank or financial company. Most of the citizens have already applied for PAN cards and are using them for multiple purposes but some people have not applied for PAN cards yet and are getting trouble while applying for personal loans. Today we will discuss with you a solution for applying for a Personal Loan Without PAN Card 2024. If you are also looking for a personal loan instantly without a PAN card then you can read this article “Personal Loan Without PAN Card” where you will get a list of the Other documents that can be used in the absence of a PAN card and you can also check the Personal Loan Without PAN Card eligibility criteria and application procedure.

According to the Government of India, a PAN card is a very necessary document for every citizen which helps the government to check the transaction activities of the citizen. But a PAN card is used for transactions of more than 50000 rupees. So if you want to get a Personal Loan Without PAN Card then you can get up to a maximum of 50000 rupees from your bank without a PAN card. Applicants can use this loan amount for multiple purposes including educational, marriage ceremonies, festivals, celebrations, etc. 

Eligibility for a Personal Loan Without PAN Card 2024

You have to follow the eligibility criteria of the bank before applying for a personal loan without a PAN card. You can also check the following eligibility criteria which are listed below:

  • The applicant should be a citizen of India and the age should be more than 18 years. However maximum age should not be more than 60 or 65 according to the different banks’ criteria.
  • Applicant should have a proper source of income either doing the job or self-employed. 
  • The monthly annual income of the applicant should be more than 15000 rupees.
  • You should have a good CIBIL score of more than 750 to get an instant personal loan

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Important documents for a Personal Loan Without PAN Card 2024

However PAN card is a very important document that is asked for in every bank or financial company that provides personal loans for KYC purposes, but you can use the following documents in the absence of a PAN card so the bank will also cooperate with you and provide personal loan:

  • Aadhar card
  • Voter ID card
  • Electricity bill
  • Employment Proof
  • Last three-month salary slip
  • Last three-month bank statement
  • Any other government-approved ID card will increase your trustability.

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Application Procedure for a Personal Loan Without PAN Card 2024

Applicants can apply online mode for personal loans without a PAN card on various platforms including mobile applications of the bank or website. However, if you are not familiar with the online system then you can visit the nearest branch physically and after that apply manually by providing all the documents and information. Follow this procedure to apply online for a personal loan without a PAN card:

  • Visit the official website of the bank or open the mobile application of the bank.
  • Now click on the personal loan section and after that apply for a loan amount of less than 50000 rupees.
  • Now complete your KYC by providing the information of your Aadhar card, voter ID card, electricity bill, etc.
  • After that, you will receive the OTP on your registered mobile number for verification purposes
  • Once the verification is completed, you have to select the tenure of the loan amount to repay the amount. 

Now your application will successfully be submitted and you have to wait for approval from the bank, once the Bank approves your application you will receive the loan amount in your bank account.

Instructions for without PAN card personal loan 

You should apply for only those mobile applications for companies that are authorized by RBI. Many online companies are defrauding their customers by asking the information about their PAN card and Aadhar card. If you are applying for a personal loan in any third party application then you should check the interest rates as many companies have higher intersects for up to 36% of their customers so you have to pay a large number of money for interest in this companies if you do not check terms and conditions.