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Aadhaar Card Bank Loan

Get an Aadhaar Card Loan within 24-48 hours
Apply now!
Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Aadhaar Card Bank Loan

Want a bank loan with your Aadhaar Card? Apply for personal finance from Qbera and get your amount disbursed to your bank account within 24-48 hours!

All lenders require you to submit your Aadhaar Card and PAN to process loan applications. If you're looking for a loan that you can get against your Aadhaar Card, well, you can definitely be eligible for one from Qbera if your minimum income is Rs. 20,000 per month and your credit score is 600.  

Aadhaar Card Bank Loans in India

Bank loan against Aadhar card is a super quick way to arrange for funds in case of an emergency. Unplanned financial shortfalls are difficult to manage, but you can temporarily use the money of an external entity to manage your requirements. This arrangement is called as a loan. The external entity like banks, NBFCs or private lenders gets an interest over the money that they have given out. The borrowers use the money to tide over the shortfall, thereby, making it a profitable situation for both the lender and the borrower.

The sheer number of rules and strict paperwork followed by banks often renders them unapproachable in case of need. But modern technology especially the introduction of Aadhar card as an identity document has helped save on labor and work. The lending market is seeing a rise in lending startups that have built a distinct reputation for disbursing fast loans, which is mostly thanks to Aadhar card and the biometric system. The bank, NBFCs and Fintech’s only need to access the e-KYC to get all the information needed. Fintech’s partner with banks to give out unsecured loans and their key features are:

Digital experience: The complete process of applying for an unsecured loan including the submission of necessary documents, checking of Aadhar card and bank statement is done online. Giving the user a total digital feel.

Quick disbursal:

The entire process - from application submission for the personal loan, document verification and amount disbursal are completed within 24-48 hours.

Low income groups:

The low-income groups typically face more issues in getting an application through. Banks and NBFCs do not consider low income groups. Fintech’s advanced algorithms, however, do take their socio-economic preferences and calculates their willingness to pay. There is a high probability of loan approval by a fintech for a low-income applicant.

Low CIBIL score:

Unsecured loans are not secured by collaterals and so, the dependency on the CIBIL score of the applicant is high. Banks do not process applications where the score is less than 750. However, with Fintech’s involvement, applicants with a score of 575 and more are also considered.          

Eligibility for an Aadhaar Card Loan from Qbera

  • You must be a salaried individual
  • You must have a min net salary of Rs.20 000/-
  • You must be above 23 years of age and less than 55 years
  • A minimum CIBIL score of 575 and no defaults in the last 24 months

Documents needed for Aadhaar Card Bank Loan

  • Aadhar Card
  • PAN Card
  • 4 Cheques from your Salary Account
  • Current Address Proof
  • Permanent Address Proof (in case the permanent address is different from the address on Aadhar card)
View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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