How to Get a Loan with Just Aadhaar and PAN

Why only two documents?

Digital lenders verify identity online through Aadhaar-based KYC and check your repayment history through your PAN-linked credit report. That replaces the stack of paper forms and photocopies older loans needed.

What you need

Step-by-step

1. Choose the amount and days on the apply page.
2. Verify your mobile number.
3. Enter your name (as on Aadhaar/PAN), PAN, income and pincode.
4. Complete the lender's online KYC.
5. Read the Key Fact Statement and accept to receive the money.

Tips for a smooth application

• Make sure your name matches on Aadhaar, PAN and bank account.
• Update your Aadhaar-linked mobile number before you apply.
• Enter your real income; it helps the lender choose the right amount.

Stay safe

Never share your Aadhaar OTP on a phone call. KYC happens only inside the lender's official journey. BrightDhan never asks for an advance fee.

FAQs

Is a salary slip needed? Not to apply. The lender may ask for a bank statement for some profiles.

Can I apply without PAN? PAN is needed for the credit check, so keep it ready.