💡 What is an Aadhar-Based Personal Loan?
An Aadhar Card Personal Loan is a quick, paperless loan that can be applied online using only your Aadhar and PAN card. No physical documents, guarantors, or in-person visits are required. These loans are offered by NBFCs recognized by RBI and can be approved within minutes and disbursed in a few hours.
📝 Key Features of Aadhar Personal Loan via Fatak Pay (2025)
- ✅ Loan from ₹5,000 to ₹2,00,000
- ✅ No guarantor or physical paperwork required
- ✅ Instant approval via Digilocker-based KYC
- ✅ Amount credited directly to your bank account
- ✅ Repay via auto-debit EMI setup
- ✅ App is NBFC & RBI approved
📲 How to Apply for Aadhar Loan on Fatak Pay App (Step-by-Step)
✅ Step 1: Install the App
- Open Google Play Store
- Search for Fatak Pay Loan App
- Install and open the app
✅ Step 2: Register with Mobile Number
- Enter your mobile number linked with Aadhar
- Click Proceed and enter the OTP
✅ Step 3: Fill Basic Details
- Enter: First Name, Middle Name, Last Name
- Provide your Email ID
- Click Continue
✅ Step 4: Enter Loan Preferences
- Choose loan amount (₹5,000–₹2,00,000)
- Use the loan calculator to check EMI
- Click Apply Now
✅ Step 5: Enter PAN and DOB
- Fill in your PAN card number
- Enter Date of Birth
- Select Employment Type (Salaried/Self-employed)
- Enter monthly income (recommended ₹35,000+)
- Choose Loan Reason (e.g. medical emergency)
- Click Continue
✅ Step 6: Pay Application Fee
- Fatak Pay charges a small ₹18 fee
- Pay using any payment method to proceed
- Click Continue
✅ Step 7: Complete eKYC via Digilocker
- Click Verify with Digilocker
- Enter your Aadhar number
- Enter the OTP received
- Authorize and verify Aadhar + PAN
✅ Step 8: Upload Selfie and Bank Details
- Allow camera access and upload selfie
- Add bank details: IFSC, account number
- Setup auto-debit for EMI using NetBanking or Debit Card
✅ Step 9: Accept Offer and Finalize Loan
- Tick consent boxes
- View summary (e.g. Loan ₹5,000, Processing Fee ₹472, Total Payable ₹5,189)
- Click Proceed
⏱️ Loan Disbursement Time
While the app says within 24 hours, most users get the amount in under 2 hours if all steps are completed properly.
📌 Important Notes
- ✅ Loan approval depends on PAN card, transaction history, and income
- ✅ First-time users may get lower amount (₹5,000) which increases with good repayment
- ✅ Keep two referral contacts (friends/family)—they are only contacted if EMI is unpaid
✅ Conclusion
Taking a personal loan with Aadhar card in 2025 is now easy, fast, and 100% online. With apps like Fatak Pay, you can get instant loan approvals using just your Aadhar + PAN from the comfort of your home. Make sure to use RBI-approved NBFC apps only for safety.
Also Read :How to Link Mobile Number with Aadhar Card from Home in 2025 – Step-by-Step Guide