Eligibility Criteria for Aadhar Card Loan

To ensure a smooth and hassle-free loan application process, it’s important to meet the basic eligibility criteria set by most lenders. Aadhar Card Loans are designed to be accessible and inclusive, making them ideal for both salaried and self-employed individuals. Here's what you generally need to qualify:

General Eligibility Requirements

• Age: The applicant must be between 21 and 60 years old.
• Nationality: Must be a resident Indian citizen with a valid Aadhar card.
• Income: Minimum monthly income of ₹15,000 to ₹25,000 (varies by lender).
• Employment Status: Both salaried employees and self-employed professionals/business owners are eligible.
• Credit Score: A good CIBIL or credit score (typically 650 or above) improves approval chances.
• Bank Account: Active bank account for loan disbursal and EMI repayment.
• KYC Documents: Aadhar Card is mandatory; PAN Card, bank statement, and income proof may also be required.

While these are standard guidelines, some lenders may offer relaxed norms for first-time borrowers or those with limited credit history — especially through digital lending platforms.

Make sure your Aadhar card is linked to your mobile number and bank account for smooth verification. Quick eligibility checks are often done online and can give you an instant decision.

Meeting these criteria not only improves your chances of loan approval but also ensures faster processing and better loan terms tailored to your profile.