How to Take Loan From an Aadhar Card in 2022

If friends, you have an aadhar card, and you have searched. How to Take Loan From an Aadhar Card in 2022, You have clicked on the right article. If you want to take a loan from him then you are thinking right, yes in this article we are going to tell you how to take a personal loan only from an Aadhar card only. Apart from the Aadhar card, you will not need any other document, you just need to have an Aadhar card.

Nowadays we have seen that taking a loan has become very difficult. And even if we want to take a loan, then we have to give many documents to the bank. After that, the process of taking the loan goes on for months. And finally, it turns out that the loan got canceled. To avoid such problems, this article is going to be very helpful for you.

In the present time, the Aadhar card has become such an important document, without which no work is done in the present or the future. The need for an Aadhar card has started increasing from government to private work. At present, you must have seen that without an Aadhar card, you cannot take advantage of any government schemes of the government.

Aadhar card acts as a personal detail i.e., an identity card. This is the reason why various companies in India rely on the Aadhar card. And with this currently providing personal loan to the people. Because the Government of India has considered this document as the most important of all documents. The biggest reason for this is also that the biometric process should be done while making your Aadhar card. Due to this, the possibilities of doing any fraud remain negligible.

How to Take Loan From an Aadhar Card in 2022?

Most people need to take loans from Aadhar cards for small works. And if you go to take a loan from the bank, then they require a lot of documents and the process of taking the loan also goes on for a long time.

Apart from this, various additional charges i.e. additional interest rate is charged by the bank from you, so they find short ways to take the small loan which provides a loan in fewer documents and in less time. I have come up with such a method, through which you can take a loan in minutes and with just one document Aadhar card. So let’s start the article-

Taking a loan from an Aadhar card has become very easy as compared to taking a loan from any bank. If you apply for a loan with an Aadhar card, then up to one lakh different companies provide loans to you.

Companies keep some conditions for their applicants, according to which they provide loans to their customers, such as due to the lack of financial condition of any applicant or to start a small business or in addition to this, he also owns his house. If you want to get it built, then for that also the companies provide loan to the applicant.

If the applicant fulfills the above-mentioned conditions, then the companies are ready to give the loan, but the applicant should also be able to pay the regular interest rate installments of the loan. Otherwise, your credit score will deteriorate and if you apply for a loan in the future, getting a loan may become very difficult.

To take loan from an Aadhar card, what process we will have to go through and what things will be required and apart from this, what should be the eligibility to take loan from an Aadhar card, all the things are known from the following process.

Documents Required to Take Loan from Aadhar Card in 2022

If you want to take loan from an Aadhar card, then it is necessary to have the following documents as the most important document is the passbook in which your loan money will be transferred, and in addition, a PAN card is also required. Your income tax is checked from it.  

  1. Pan Card
  2. Aadhar Card
  3. Bank Passbook

Note- The Income Tax Department makes the PAN card document only.

After completing these documents, you must have the following qualification civil-

Eligibility for Taking a Loan from Aadhar Card

The following qualifications are explained by some points for taking a loan from an Aadhar card-

  • Firstly the age of the applicant should be at least 18 years ( 18 years of age will be valid on the applicant’s Aadhar card)
  • Applicant should be a citizen of India and should not be insane and insolvent.
  • Applicant should have a personal mobile number.
  • The applicant will require a personal email ID while applying.
  • Till now he should not have taken a loan from any other bank or company, only then the loan will be given to him. (If the applicant has taken the loan, it should be repaid)
  • Applicant must have an Aadhar card.
  • The applicant must have a bank passbook.
  • Applicants should have a PAN card.
  • In addition, the applicant should be able to repay the loan amount taken.

If the applicant fulfills all these qualifications then he can participate in the further process or the applicant can apply online. Before applying, let us know what type of loan you can apply for to take a loan from an Aadhar card.

How to Take Loan From an Aadhar Card in 2022

  • Loan to buy the plot
  • Home construction loan 
  • Home repair loan
  • Loan Against Property

How to Apply for a Loan with an Aadhar Card? 

I have taken a home loan to explain to you.

How can you take loan from an Aadhar card? For this, first, you have to open the Chrome browser of your phone and go through the following process. We have explained to you step by step, you can follow it and take a loan from an Aadhar card.

As soon as you open the Chrome browser of your mobile then type  https://www.aadharhousing.com/ or else you click on the given link.

As soon as you click on the given link, a new page will open in front of you, which will be something like this.

After that click on the select to option written on the right side of this page, from which you have to select an option. As if I have selected the home loan option.

As soon as you click on the option for a home loan, after that, you have to click on I want to apply, as soon as you click, once again you will come to a new page as shown in the picture below.

Now after this you have to fill all the information of the same correctly such as-

  • Name of applicant.
  • Applicant’s surname.
  • Applicant’s email id.
  • Mobile number of the applicant.
  • STD code of the applicant. 
  • Landline Number.
  • Pin code.
  • Applicant’s city name.
  • Name of the branch nearest to the Aadhar card of the applicant.
  • Applicant’s date of birth
  • Income certificate of the applicant 
  • Select the type of loan the applicant wants to take.
  • How does the applicant perform the production work?
  • How much loan amount is required by the applicant.
  • The house is to be taken by the applicant.
  • For how long the applicant loan amount is required.

After filling in the above information, you have to click on the given father and click on the apply option. When you click on apply option then you will get a phone or email. 

After which the further process will be done by the officials of the company. What is your source of income after that? How much do you earn? How many people live in your family How many people are eligible? And whether you can repay the loan given or not, will be checked.

Also Read if you want: What is Upstox | Features, and Details of Upstox in 2022

How Much Interest is Charged on Taking Loan from an Aadhar Card in 2022?

It becomes most important to know the interest rate on taking a loan from any bank or company. If you do not know the interest rate then you may have to take a risk in the future. Because many companies are currently doing fraud by showing attractive paper interest rates. Therefore, it becomes necessary for you to know the interest rates of any company or bank.

If you take a home loan from an Aadhar card, then you will get an interest rate of Rs 1904 per month if you take a loan of ₹ 100000 from the browser at 11% monthly. In addition, you will be charged a loan processing fee of 1.5%.

If you want to do an interest rate calculator then I have given the below link you can click on it to calculate the interest rate.

Interest Rate Calculate – click here

Conclusion 

Keep in mind that before taking a loan from any private company or bank, read all their terms and conditions carefully, only then do you proceed with the process of taking the loan, otherwise, you may face risk in the future. To read such interesting articles, visit our website, and if you liked the article, then do let us know in the comment section below.

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