Can I get a loan on Aadhaar card only, without PAN?

No. RBI-registered lending partners require a PAN in addition to Aadhaar so they can check and report your credit bureau record. Anyone offering an Aadhaar-only loan should be treated as fraudulent.

How is Aadhaar used in the application?

For OTP-based eKYC. An OTP is sent to your Aadhaar-linked mobile number, and entering it on the lender's screen verifies your identity and address against the UIDAI record instantly.

My mobile number is not linked to Aadhaar. What now?

You will need to update the linked number at an Aadhaar enrolment centre first. Until then, eKYC cannot complete, because the OTP has nowhere to go.

Should I ever share my Aadhaar OTP with an agent?

Never. A genuine eKYC OTP is entered only by you, on the lender's own screen. Anyone asking you to read out an OTP is attempting fraud — report it to us at once.

Loan on Aadhaar card

Aadhaar alone cannot get you a loan. It is used for OTP-based eKYC to verify your identity and address instantly, which is what makes a fully digital application possible. RBI norms also require a PAN and a verifiable income source. With Aadhaar, PAN and a bank account, CredBean's lending partners can disburse ₹5,000 to ₹5,00,000.

Check your eligibility Calculate your EMI

Eligibility

Aadhaar linked to the mobile number you apply with — the OTP goes there
Valid PAN, mandatory alongside Aadhaar
Indian resident, age 21 to 58
A bank account in your own name and a verifiable income source

Documents you need

PAN card number
Aadhaar-linked mobile number for OTP-based eKYC
Bank account details in your own name
Income proof — salary slip, bank statement or UPI cash-flow history

Everything is submitted online — there is no branch visit and no physical paperwork.

Example EMI — ₹30,000 over 12 months

Illustrative repayment schedule for ₹30,000 over 12 months
Loan amount	₹30,000
Tenure	12 months
Interest rate	14.5% p.a. reducing balance
Monthly EMI	₹2,701
Total interest	₹2,408
Total repayable	₹32,408
Processing fee	Up to 2%, one time, deducted at disbursal

Illustrative only, at the lowest available rate. Your actual APR (14.5%–34% p.a.) and every charge are stated in the lending partner's Key Fact Statement before you sign.

What Aadhaar eKYC actually replaces

Aadhaar OTP eKYC removes the branch visit, the photocopies and the courier. Your name and address are verified against the UIDAI record in seconds, which is why a digital loan can move from application to disbursal in minutes. What it does not replace is the credit decision: identity is not income, and no regulated lender can sanction a loan on identity alone.

Why PAN is required too

PAN is how a lending partner reads your credit bureau record and reports the loan back to it. Without PAN there is no way to check existing obligations or to build your credit history from this loan — so RBI-registered lenders require it. If your Aadhaar and PAN details do not match exactly, correct them before applying; mismatches are a common cause of a failed KYC step.

Aadhaar and loan fraud — read this

Any app or caller offering a loan on "Aadhaar card only", with no PAN, no income check and an advance fee, is a fraud. Never share your Aadhaar OTP with a person — a genuine eKYC OTP is entered by you, on the lender's own screen, and never dictated over a call. Never send an Aadhaar photograph on WhatsApp. Never pay a fee before disbursal. Disbursal always lands in your own bank account, and repayment always goes to the lending partner.

Frequently asked questions

Apply in about three minutes

₹5,000 to ₹5,00,000, 3–60 months, interest from 14.5% p.a. reducing balance. The eligibility check is a soft credit pull and does not affect your credit score.

Start your application

CredBean is a brand of Privena Financial Services Private Limited. CredBean is a technology platform and does not lend on its own account. Loans are offered by RBI-registered lending partners. Interest from 14.5% p.a. reducing balance; processing fee up to 2%. Representative example: ₹75,000 for 18 months at 14.5% p.a. — EMI ₹4,661, total interest ₹8,902. Credit at sole discretion of the lending partner. Questions: hello@credbean.com · +91 98990 20223.