- Home
- Loan on Aadhaar & PAN
Loan with just Aadhaar & PAN
Start your instant loan application with only your Aadhaar and PAN — no salary slip and no paper forms.
- Just Aadhaar & PAN
- No salary slip to apply
- Low credit score? Apply anyway
- Money straight to your bank
Overview
Your Aadhaar confirms your identity (online KYC with the lender, usually with an OTP on your Aadhaar-linked mobile) and your PAN lets the lender check your credit history. That is all you need to start. Some profiles may be asked for a bank statement later — the lender will tell you.
Why it works for you
Identity and address, verified online.
For the lender's credit check.
Not needed to apply.
Keep it handy for the KYC OTP.
How to get it
- Pick amount & days
Choose ₹5,000 to ₹1,00,000 for 30 days to 365 days days. You see the interest and the repay date at once.
- Verify your mobile
Enter the OTP we send by SMS. No app download needed.
- Share Aadhaar & PAN details
Basic details and online KYC with the RBI-regulated lending partner.
- Money to your bank
Accept the Key Fact Statement and the lender sends the money straight to your bank account.
Keep these ready
- Aadhaar number and the mobile linked to it
- PAN card
- Your bank account (in your own name) for the money
Interest & charges
Interest is 0.5% to 1% per day on the amount you borrow (APR 182.5% – 365%), for the days you keep the money. The lender may also charge a processing fee and GST. Everything is shown in its Key Fact Statement before you accept. BrightDhan never charges you an advance fee. See rates & charges.
Ready when you are
About 2 minutes, 100% online.
Get instant loanFrequently asked questions
Is Aadhaar & PAN enough to get a loan?
They are enough to apply. The lender may ask for more (for example a bank statement) depending on your profile before it approves.
Is my Aadhaar safe?
BrightDhan does not store your full Aadhaar number. KYC happens with the RBI-regulated lender on its secure systems.
Is approval guaranteed?
No. The RBI-regulated lending partner decides after its own checks (KYC, credit history, income). Applying is free.
Do I have to pay anything to apply?
No. BrightDhan never asks for an advance fee. If anyone asks you for money to approve a loan, do not pay and call us on +91 85957 02470.