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Tata Capital > Blog > Personal Use Loan > How to Get ₹20,000 Loans on PAN Card Verification: Easy Steps to Follow

Personal Use Loan

How to Get ₹20,000 Loans on PAN Card Verification: Easy Steps to Follow

How to Get ₹20,000 Loans on PAN Card Verification: Easy Steps to Follow

Securing a personal loan has never been easier, especially when it's about a manageable amount like ₹20,000. With the rise of online personal loan facilities and streamlined verification processes, getting a loan with minimal documentation like just a PAN card is now a reality. This detailed blog will guide you through the necessary steps and information to obtain a ₹20,000 loan with just your PAN card.

Eligibility Criteria for a Loan of ₹20,000 Using a PAN Card for KYC

Before diving into the process, it's essential to understand the eligibility criteria. Most financial institutions, including Tata Capital, require you to:

  • Be an Indian citizen
  • Be aged between 21 and 58 years
  • Have a steady source of income, whether you are salaried or self-employed
  • Possess a valid PAN card

Your credit history and score might also be considered to determine your eligibility for personal loan financing.

Steps to Get a Loan of ₹20,000 on PAN Card Verification

  • Find a Lender: Choose a reputable lender like Tata Capital that offers online personal loan services.
  • Online Application: Fill in the application form on the lender's website.
  • PAN Card Details: Provide your PAN card number for KYC verification.
  • Document Submission: Upload necessary documents, if required.
  • Loan Approval: Wait for the verification and approval process to complete.
  • Disbursement: Once approved, the loan amount will be disbursed to your account.

How to Get an Instant Personal Loan of ₹20,000 from Tata Capital?

Tata Capital simplifies the process of obtaining an instant personal loan. With our online services, you can apply for a loan from the comfort of your home. Just visit our personal loan page, fill out the application, and submit your PAN card details for quick verification.

Can I Get a Loan with a PAN Card?

Yes, a PAN card can be a crucial document for loan approval as it serves as proof of identity and is used for financial and KYC verification. However, additional documents may be required depending on the lender's policy.

How to Get a Personal Loan Below a ₹20,000 Salary?

Getting a personal loan on a salary of less than ₹20,000 is possible. Lenders often consider your entire financial profile, including credit history, repayment capacity, and employment stability, rather than just your salary. Ensure your credit score is healthy and your financial records are to improve your chances of approval.


Securing a ₹20,000 loan with just a PAN card for verification is a straightforward process. Ensure you meet the eligibility criteria, choose a reliable lender like Tata Capital, and follow the simple online application process. Remember, maintaining a good credit history is key to easy loan approval.

FAQs on Getting a Loan of ₹20,000 Using a PAN Card

Q. Is applying for a loan online with just a PAN card safe?

Yes, it's safe through a reputable lender's secure website.

Q. How quickly can I get a ₹20,000 loan on PAN card verification?

Depending on the lender, it can be as quick as a few hours to a few days.

Q. Are there any hidden charges in such loans?

Always read the terms and conditions carefully. Reputable lenders like Tata Capital maintain transparency in their charges.

Q. Can I repay the loan before the tenure ends?

Yes, most lenders offer pre-payment options but check for any applicable charges.

Remember, financial responsibility is key when it comes to borrowing. Choose wisely and borrow within your means.

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