Q1. Can I get a loan in India without a PAN card?

Ans. Yes, you can get a loan in India without a PAN card if the loan amount is small. Many digital lenders provide short term and small personal loans using Aadhaar and bank verification instead of PAN.

Q2. What is the maximum loan I can get without PAN?

Ans. Most lenders allow loans up to Rs. 50,000 without PAN. However, the exact limit depends on your income, bank activity, and the lender’s policy.

Q3. Is Aadhaar enough to get a loan without PAN?

Ans. Yes, Aadhaar is usually sufficient for identity verification. Lenders may also ask for bank details, income proof, and selfie or video KYC.

Q4. Do PAN free loans have higher interest?

Ans. Yes, loans without PAN usually come with higher interest rates because the lender cannot check full credit history. The interest rate can range from 18% to 36% per year.

Q5. Are loan apps without PAN safe?

Ans. Some apps are safe if they are RBI registered and operate legally. Always use well known platforms and avoid apps that ask for upfront fees or threaten users.