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Aadhaar Loan

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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 Loan

What are Aadhaar loans?

Aadhaar loans are personal loans that you can get with your Aadhaar Card. Personal loans are unsecured loans that do not require collateral or security. These loans are mostly available based on an individual’s income, credit profile and related parameters. Aadhaar loans have become extremely popular, even perhaps going on to replace secured loans in the overall popularity quotient.

Aadhaar Loans in India

If you’re looking for an Aadhaar loan in India, you might be wondering what the eligibility for an Aadhaar loan might be. Well, considering that there are multiple lenders in the personal loan landscape, the eligibility for Aadhaar loans is different for different lenders. There are traditional lending institutions and new-gen lenders like Fintech companies that have less stringent eligibility criteria for Aadhaar loans that they offer. Let’s take a look.

Documents required for an Aadhaar Loan from Qbera

  • PAN Card
  • Aadhaar Card
  • Cheque Leaves (4 nos. – salary account)
  • Income documents – last 3 months’ salary slips
  • Bank statements for the last 6 months
  • Photographs (Passport sized)

Eligibility for Aadhaar Loan from Qbera

Eligibility Parameter

Minimum eligibility criteria

Credit Score

600 and above


Rs. 20,000 per month or above

Employer status

Employer/Company need not be listed

Tenures available

6 months to 60 months

Work experience

Minimum of 1 year of work experience

City of Residence


1. What Is An Aadhaar Card Loan?

A. An Aadhaar card loan is an unsecured financing option. It involves much less documentation than traditional bank loans. You will need a copy of your aadhaar card, a copy of your pan card, your salary statements, and bank receipts to qualify for this loan.

2. Can I Use an Aadhaar Card Loan For Paying My Rental Deposit?

A. Yes, you can use your aadhaar card loan to pay the rental deposit of a new flat or apartment. Since you do not have to state a specific purpose to get the loan, the funds can be used for covering every type of expense.

3. Why Do You Need Your Aadhaar Card to Get This Loan?

A. Your aadhaar card is used as primary address proof when you apply for this loan. Additionally, it also helps in the online verification via the e-KYC process.

4. Can I Get an Aadhaar Card Loan With a Credit Score Of 600? 

A. Most lenders will require you to have a credit score of at least 750 to qualify for an aadhaar card loan. However, you can still avail this financing option with a credit score of 600 on Qbera.

5. What Other Requirements Do I Need to Meet?

A. At Qbera, we offer aadhaar card loans to individuals within the age group of 23 to 56. You need to be a salaried professional with a minimum take-home salary of Rs 20,000 to qualify for this offer.

6. Can I Get This Loan With a History of Defaults?

A. Although the aadhaar card loan is accessible to individuals of most credit groups, you may not get this loan if you recently defaulted on a different loan. At Qbera, you can only apply for this loan when you haven’t defaulted over the last 24 months.

7. Can I Use This Loan to Consolidate Debts?

A. Yes, an aadhaar card loan is one of the best ways to consolidate your debts. So, if you have multiple high-interest debts, get this loan and convert them to a single monthly installment. This way, managing your finances is a tad easier.

8. What Is a Prepayment Fee?

A. The pre-payment fee is the amount you're charged when you settle your outstanding dues before the completion of the tenure. At Qbera, you can avail the prepayment facility after paying timely installments for one year.

9. How Much Can I Borrow?

A. At Qbera, you can get an aadhaar card loan between Rs 1 lakh to Rs 15 lakhs. The final amount will depend on your credit report, debt to income ratio, monthly salary, and a variety of other factors.

10. Do I Need a Co-Applicant For An Aadhaar Card Loan?

A. You do not usually need a co-applicant to get an aadhaar card loan on Qbera. You can always reach out to our representatives for more clarity regarding the process.

11. Is Aadhaar Card Loan an Installment Loan?

A. Yes, since aadhaar card loan involves paying fixed monthly installments, it can be interchangeably called an instalment loan.

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?
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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?
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E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
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