Get the Tata Capital App to apply for Loans & manage your account. Download Now

Blogs

SUPPORT

Menu  
 
Apply Now
Apply Now

Tata Capital > Blog > Personal Use Loan > How to Get a Personal Loan Using a PAN Card

Personal Use Loan

How to Get a Personal Loan Using a PAN Card

How to Get a Personal Loan Using a PAN Card

From unexpected medical treatments to sudden home renovations, financial emergencies can arise anytime. Personal loans help you manage these expenses comfortably without dipping into your savings. They give you access to funds quickly, allowing you to repay the loan in manageable EMIs over a long tenure. Moreover, personal loans typically have a simple application process, making them a secure and convenient option for unforeseen financial needs.

A PAN card is an important KYC and financial identification document used during personal loan applications. However, having a PAN card alone does not guarantee loan approval. Lenders also assess factors such as income, employment or business stability, credit history, repayment capacity and other required documents.

If you are looking to get a personal loan using a PAN card, read on to understand the steps, eligibility criteria, and documents required to secure the loan.

Why is a PAN Card Important for a Personal Loan?

A PAN card is a government-issued identifier used for financial and tax-related identification. During a personal loan application, it helps the lender verify your identity and comply with applicable KYC and reporting requirements.

It helps financial institutions establish your identity and process the application along with other KYC, income, employment and credit-related information used to assess eligibility. Since personal loans are collateral-free, a PAN card streamlines and accelerates the loan approval process, benefitting both lenders and borrowers.

Here’s how you can secure a personal loan on PAN card:

  • A PAN card is an important identity and financial identifier and may be required along with other KYC, income and address documents.
  • It helps lenders verify your details quickly, often within a day or two days.
  • It gives the lender access to financial details, including credit history, CIBIL score, employment information, tax records, and transaction patterns.
  • When linked with your Aadhar card, the PAN card can simplify banking transactions and the loan application process.

Personal Loan on PAN Card: Interest Rate, Loan Amount & Tenure

Interest rates, loan amounts, and tenures for a personal loan using your PAN card work the same way they do for any other personal loan application, since the PAN card itself is a verification document rather than a factor that changes pricing. What changes your rate and eligible amount are the usual factors: your income, credit score, employment stability, and existing debt obligations.

At Tata Capital, personal loan interest rates start at 11.99% p.a., and eligible borrowers can access loan amounts up to Rs. 35 lakh with repayment tenures of up to 6 years. Smaller-ticket options exist too, whether you’re searching for a PAN card loan 10,000 to cover a short-term gap or a PAN card loan 20,000 for a slightly larger need, and the underlying eligibility assessment stays the same regardless of the amount you’re requesting.

What’s often marketed as an instant loan on PAN card typically refers to how quickly a lender can verify your PAN-linked details, which speeds up approval, rather than a separate loan product altogether.

How to Apply for a Personal Loan Using a PAN Card

You can apply for a personal loan on PAN card online. All you need to do is follow these steps on your preferred financial institution’s official website or mobile application, whether you’re completing the PAN card loan apply online process for the first time or comparing lenders who offer an instant loan with PAN card verification:

Step 1: Visit the lender’s website or app

Start by downloading the lender’s mobile app or visiting their official website to initiate the loan application process.

Step 2: Enter your details

Once you’ve successfully logged in, navigate to the personal loan section and enter your mobile number and name. These details will be verified using your PAN number.

Step 3: Enter the loan requirement

If you are pre-approved for a personal loan, enter the amount you need within the approved limit.

Step 4: Provide personal details

Enter your personal and banking details, including your address, employment information, and bank details. Make sure the information is accurate to reduce the chances of rejection.

Step 5: Set up your e-mandate

Complete a one-time e-mandate authorization for seamless EMI payments directly from your account.

Step 6: Opt for additional facilities

Consider opting for insurance to safeguard your personal loan liability in case of an emergency.

Step 7: Loan disbursement

Accept the e-agreement, verify the loan details, and get the loan amount disbursed directly into your bank account.

Personal Loan Eligibility Criteria When Applying with a PAN Card

Having a PAN card is an important part of the application, but loan approval depends on meeting the lender’s eligibility criteria and completing the required verification. While the eligibility criteria vary from lender to lender, some common requirements include:

  • Age: Your age must be between 21 and 58 years.
  • Citizen: You must be an Indian citizen.
  • KYC Verification: You must submit a valid PAN card along with other required documents.
  • Work Experience: You must have at least one year of work experience.
  • Monthly Income: Your minimum monthly income must be Rs. 15, 000.
  • CIBIL Score: You must have a strong credit score to secure the loan.

Documents Required for a Personal Loan Using a PAN Card

When applying for a personal loan with your PAN card, it’s important to submit all the required documents to verify your eligibility and ensure a seamless application process. Different lenders may have different documentation requirements. However, some common documents typically include:

  • PAN card: A valid PAN card to verify your identity and financial history.
  • Photo identity proof: A copy of documents like your Aadhaar Card, Passport, Voter ID, or Driving License.
  • Address proof: A copy of your Passport, Aadhaar Card, Voter ID, or utility bills.
  • Salary slips: Copies of last two months’ salary slips.
  • Bank statement: A primary bank statement for the last three months.
  • Employment certificate: A certificate confirming a minimum of one year of continuous employment.

How to Avoid Delays in Personal Loan Document Verification

Verification delays are one of the most common reasons a straightforward application takes longer than expected. A few precautions can help keep the process moving.

  • Double-check that your name, date of birth, and other details on your PAN card exactly match your other KYC documents, since even small mismatches can trigger manual review.
  • Make sure your PAN is linked to your current mobile number and, ideally, your Aadhaar, since several verification steps rely on this link working correctly.
  • Upload clear, complete scans or photos of every document rather than partial or blurry images, which is one of the most frequent causes of rejected uploads.
  • Keep your bank statements and salary slips recent and consistent with the income figure you’ve declared in the application.
  • Respond quickly if the lender reaches out for clarification or additional documents, since unanswered queries are often what stalls an otherwise complete application.

Conclusion

Applying for a personal loan using a PAN card is a simple process. All you need to do is meet the eligibility criteria, fill out the application form, and submit the necessary documents. Once your application is verified and processed, you will receive the funds in your bank account.

If you’re looking for a lender with affordable personal loan interest rates, minimal documentation, and quick processing, consider Tata Capital. Enjoy a hybrid term loan facility, no collateral requirements, and zero charges on part pre-payment.

With Tata Capital, you can secure a personal loan on a PAN card as high as Rs. 35 lakh and repay it comfortably over a flexible tenure of up to 6 years. Visit Tata Capital’s official website and the mobile app to easily apply for a personal loan online!

Get an Instant Personal Loan for all your needs !

Apply now
Popular Searches
Term Loan Personal Loan for Government Employee Personal Loan for Salaried What is Personal Loan Personal Loan Prepayment Personal Loan Application Process 3 Lakh Personal Loan 4 Lakh Personal Loan 6 Lakh Personal Loan 7 Lakh Personal Loan 8 Lakh Personal Loan 9 Lakh Personal Loan
More About Loans
Instant Personal Loan personal loan emi calculator personal loan interest rate personal loan eligibility Marriage Loan Document Required for Personal Loan Home Renovation Loan Medical Loan Personal Loan Balance Transfer 5 Lakh Personal Loan Small Personal Loan Travel Loan Personal Loan for Women 2 Lakh Personal Loan 10 Lakh Personal Loan

FAQs

Can I get a loan on my PAN card?

You can get a personal loan using your PAN card, provided you meet the eligibility criteria and submit all the required documents.

What is the limit of a PAN card loan?

The maximum loan amount using a PAN card varies for different lenders. With Tata Capital, you can secure a personal loan of up to Rs. 35 lakhs.

What is the interest rate for a PAN card loan?

Loan interest rates linked to PAN cards vary from lender to lender. For example, at Tata Capital, personal loan interest rates start at just 11.99%.

Does the PAN Card determine the personal loan amount I can get?

No, your PAN card itself doesn't determine your loan amount. It serves as identity and financial verification, while the actual loan amount depends on your income, credit score, employment stability, and repayment capacity, assessed independently by the lender.

Can I apply for a personal loan if my PAN details have recently changed?

Yes, but it's worth updating your PAN details with the relevant authority and ensuring your records are current before applying. Recently changed details, such as a name update, can occasionally cause verification mismatches that slow down processing.

What happens if the PAN details entered in a loan application do not match my records?

A mismatch typically triggers manual verification, which delays approval, and in some cases the lender may reject the application until the discrepancy is resolved. It's best to double-check your PAN details against your card before submitting the form.

Is a PAN Card required for personal loan repayment and account management?

Your PAN card is primarily used during the application and verification stage rather than for day-to-day repayment. However, lenders may reference it for tax reporting purposes, such as issuing interest certificates, over the life of the loan.

Can I apply for a personal loan if my PAN Card is linked to a different mobile number?

It's possible, but it can complicate OTP-based verification steps during the application. Updating your PAN's linked mobile number beforehand, where feasible, generally makes for a smoother and faster application process, whether you think of it as an instant loan by PAN card verification or a standard application route.

Disclaimer

Calculators

Personal Loan EMI Calculator Calculator
Home Loan EMI Calculator Calculator
Business Loan EMI Calculator Calculator
Used Car Loan EMI Calculator Calculator
Two Wheeler Loan EMI Calculator Calculator
Loan Against Securities Calculator Calculator
Loan Against Property Calculator Calculator
View All

Apply for Loans

Personal Loan icon
Home Loan icon
Business Loan icon
Used Car Loan icon
Car Loan icon
Loan Against Property icon
Loan Against Securities icon
Education Loan icon
Micro Finance Loan icon

Most Viewed Blogs

Trending Blogs

Our Subsidiaries
Our Private Equity Funds

Useful Links and Resources

Policies, Codes & Other Documents

Tata Capital Solutions & Services

Copyright © 2026 Tata Capital Limited

error-icon

Uh oh, something went wrong

Please try again later.

Source validator status icon
Most Important Terms & Conditions - Home Loans

Download in your preferred language

Download