In today’s digital era, the Aadhar Card is no longer just an identity document — it has become the fastest and most convenient way to apply for both Personal and Business Loans. Whether you need quick money for emergency expenses or want to start a new business, an Aadhar-based e-KYC system makes the loan approval process extremely simple.

Millions of people search for answers like “How to Get a Personal Loan with Aadhar Card?” and “How to Apply for Business Loan Using Aadhar Card?”

This blog covers everything you need to know, including the PMEGP Loan Process 2025, which helps youth get business loans ranging from ₹4 lakh to ₹25 lakh with government subsidy.

In this detailed guide, you will learn:

• How to get a Personal Loan through Aadhar
• How to apply for a Business Loan using Aadhar
• How to get ₹4 lakh loan easily
• Complete PMEGP Loan eligibility and application process
• Required documents, benefits, and approval steps

Let’s get started.

What Makes Aadhar Card the Easiest Way to Get Loans?

Aadhar-based e-KYC allows banks and NBFCs to verify your identity instantly. This means you do not have to submit physical documents or wait for long approval times. Most loan apps and banks now approve loans within 5–30 minutes using your Aadhar and mobile OTP verification.

This is the reason Aadhar is widely used for:

• Personal Loans
• Business Loans
• MSME Loans
• Mudra Loans
• PMEGP Loans

If you have an Aadhar Card linked with your mobile number, getting a loan becomes extremely easy.

1. How to Get a Personal Loan Using Aadhar Card (Aadhar Card Se Personal Loan Kaise Le)

Most private banks, NBFCs, and loan apps provide personal loans based on Aadhar-based e-KYC.

Required Documents for Personal Loan

You only need a few basic documents:

• Aadhar Card
• PAN Card
• Bank Account
• Mobile Number (linked with Aadhar)
• Latest Bank Statement
• Income Details / Salary Proof

That’s it — no heavy paperwork.

Step-by-Step Process to Get a Personal Loan Using Aadhar Card

Step 1: Visit any Bank or Loan App

You can apply through banks or trusted apps such as:

• KreditBee
• Fibe
• MoneyTap
• PaySense
• CASHe
• Navi
• Bajaj Finance

Step 2: Register Using Your Mobile Number

Enter your mobile number and verify with OTP.

Step 3: Complete Aadhar-based e-KYC

Upload your Aadhar card or use DigiLocker.
Your identity is verified instantly.

Step 4: Enter Income & Employment Details

Provide:

• Monthly income
• Job type (Self-employed / Salaried)
• Company details (if salaried)

Step 5: Select Loan Amount

Most apps offer loan limits from:

₹10,000 to ₹4,00,000

Step 6: Loan Approval & Disbursement

If eligible, your loan is approved instantly.
The loan amount is transferred directly to your bank account.

Personal Loan Eligibility Criteria

To qualify for an Aadhar-based personal loan, you must meet these requirements:

• Age: 21 to 58 years
• Regular Income (Job or Business)
• Good CIBIL Score (650+)
• Aadhar + PAN must be active
• Mobile number must be linked to Aadhar

If you match these conditions, approval becomes very easy.

2. How to Get a Business Loan Using Aadhar Card (Aadhar Card Se Business Loan Kaise Le)

If you want to start a new business or expand an existing one, you can apply for a Business Loan using your Aadhar. Many banks, NBFCs, and government schemes now support Aadhar-based verification.

Main Business Loan Options Using Aadhar Card

1. Mudra Loan (PMMY)

Under Pradhan Mantri Mudra Yojana, small businesses get loans up to ₹10 lakh.

Categories:

• Shishu: Up to ₹50,000
• Kishore: ₹50,000 – ₹5,00,000
• Tarun: ₹5,00,000 – ₹10,00,000

A ₹4 lakh loan is easily available under the Kishore category.

2. PMEGP Loan

A government subsidy scheme that provides:

• Up to ₹25 lakh for Manufacturing
• Up to ₹10 lakh for Service Sector
• Up to 35% subsidy on the project cost

3. MSME Business Loan

Banks provide MSME loans based on Aadhar-linked GST, bank statements, and financials.

4. Private NBFC Business Loans

Apps like FlexiLoan and LendingKart offer fast business loans with minimal documentation.

How to Get ₹4 Lakh Business Loan Using Aadhar Card?

You can easily get up to ₹4 lakh through:

✔ Mudra Loan (Kishore Category)

or

✔ PMEGP Scheme (Service Sector)

Both require:

• Aadhar
• PAN
• Bank details
• Basic business plan

3. PMEGP Loan Process 2025 – Complete Guide

PMEGP (Prime Minister Employment Generation Programme) is one of India’s most powerful government schemes for entrepreneurs and unemployed youth.

Under this scheme, you can apply for ₹4 lakh, ₹10 lakh, or even ₹25 lakh business loan with government subsidy.

How Much Loan Can You Get Under PMEGP?

Business Type	Loan Amount
Manufacturing Unit	Up to ₹25 Lakh
Service Business	Up to ₹10 Lakh
Small Traders	₹4 Lakh + subsidy

Step-by-Step PMEGP Loan Process 2025

Step 1: Online Registration

Visit the official PMEGP portal and click on New Applicant Registration.

Step 2: Apply Using Aadhar Number

Enter your Aadhar number and complete the e-KYC process.

Step 3: Upload Project Report

This report includes:

• Type of business
• Estimated expenses
• Working capital needed
• Future profit estimation

(You can create this using free templates available online.)

Step 4: Upload Required Documents

You need:

• Aadhar Card
• PAN Card
• Photograph
• Bank Account Proof
• Caste Certificate (if applicable)
• Education Certificate

Step 5: Interview / Verification

Your district industry center (DIC) will call you for verification.
They check your business idea and project feasibility.

Step 6: Loan Sanction from Bank

Once approved, your application is forwarded to the bank.

The bank provides:

• Loan amount
• Subsidy (up to 35% of project cost)

Step 7: Subsidy Release

Subsidy is credited after verification that you have started the business.

Key Features of PMEGP Loan

• Government subsidy up to 35%
• Ideal for unemployed youth
• Easy approval through Aadhar
• Supports both Manufacturing & Service businesses
• Can apply online from home

Benefits of Taking Loans Through Aadhar Card

✔ Instant approval

✔ No heavy paperwork

✔ e-KYC verification saves time

✔ Loan apps provide same-day transfer

✔ Easy eligibility for small loans

✔ Suitable for business startups and personal needs

Important Tips to Increase Loan Approval Chances

• Keep your CIBIL score above 650
• Maintain a clean bank statement with regular income
• Avoid overdue credit card bills
• Ensure your Aadhar is linked to your mobile number
• Keep PAN and Aadhar details updated

These simple steps can boost your approval chances significantly.

Conclusion

Now you clearly understand:

• How to get a Personal Loan using Aadhar Card
• How to get a Business Loan with Aadhar Card
• How to easily get ₹4 lakh loan
• Complete PMEGP Loan Process 2025

Whether you need urgent money for personal use or want to start your dream business, Aadhar Card makes the entire process fast and effortless. Banks, NBFCs, loan apps, and government schemes like PMEGP and Mudra Loan together provide excellent opportunities for India’s youth.

If you want a bigger loan with subsidy support, PMEGP is the best option, offering up to ₹25 lakh with up to 35% government subsidy.