PAN Card Loan: Get ₹5 Lakh Instantly Online with Low Interest Rates

PAN card loan: Need urgent money? Now you can get a personal loan up to ₹5 lakh within 24 hours using just your PAN card. Many banks and NBFCs are offering instant PAN card loans with minimal documentation, competitive interest rates, and quick disbursal.

If you meet the eligibility criteria, the loan amount is directly credited to your bank account without visiting any branch.

 

What is a PAN Card Loan?

A PANcard loan is a type of instant personal loan where your Permanent Account Number (PAN) is used as the primary document to assess your creditworthiness. These loans are ideal for emergency needs such as medical expenses, travel, education, or debt consolidation.

PAN Card Loan Eligibility Criteria

To qualify for a loan using your PAN card, you must meet the following conditions:

• PAN–Aadhaar Link Mandatory

• Age Limit: 21 to 57 years

• Minimum Monthly Income: ₹25,000

• Active Bank Account Required

• CIBIL Score: 650 or above

Meeting these criteria improves approval chances and helps secure lower interest rates.

 

PAN Card Loan Amount & Interest Rates

• Loan Amount: ₹50,000 to ₹5,00,000

• Disbursal Time: Within 24 hours (for eligible applicants)

• Interest Rate:

• Starting from 11% to 12% per annum

• Can go up to 14%, depending on credit score and lender policy

Since this is an unsecured personal loan, rates vary based on income stability and repayment history.

How to Apply for a PAN Card Loan Online (Step-by-Step)

Choose the Right Bank or NBFC

Select lenders offering instant PAN-based personal loans.

Compare Offers

Check interest rates, tenure, EMI, and processing fees.

Online Registration

Visit the lender’s official website and register with PAN and your mobile number.

Fill Loan Application

Enter personal, income, and employment details.

Verification & Approval

After digital verification, the loan amount is credited to your account.

 

Documents Required for PAN Card Loan

Minimal documentation makes this loan attractive:

• PAN Card (mandatory)

• Aadhaar Card (identity & address proof)

• Bank Statement (last 3 months)

• Additional documents (if asked):

• Voter ID

• Driving License

• Utility bills (electricity, gas, water)

PAN Card Loan Repayment Process

Repayment works like any standard personal loan:

• Monthly EMIs based on tenure

• Auto-debit option available

• Late payments attract penalties

• Timely repayment helps maintain a good CIBIL score

Frequently Asked Questions (FAQ)

Can I get a loan only with a PAN card?

Yes, but PAN must be linked with Aadhaar, and income proof may be required.

 

How fast is the loan disbursed?

Most lenders disburse within 24 hours after approval.

What if my CIBIL score is below 650?

Approval chances reduce, and interest rates may be higher.

Is a PAN card loan safe?

Yes, if you apply through RBI-registered banks or NBFCs.

 

Can self-employed individuals apply?

Yes, provided they meet income and credit score requirements.

 

Conclusion

A PAN card loan up to ₹5 lakh is one of the fastest ways to access emergency funds in India. With minimal paperwork, quick approval, and an online application, it’s an ideal solution for salaried and self-employed individuals alike. Always compare lenders, read terms carefully, and borrow responsibly to protect your financial health.

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