Can I get a Rs. 3 lakh loan using Aadhaar Card and PAN Card?

You can apply for a personal loan with Aadhaar and PAN cards as part of the required documentation. Here's what you need to submit as a salaried individual: Application form with a recent photograph Proof of identity and residence (Driving License, Passport, Voter's ID, or Aadhaar Card) Self-attested copy of PAN Card Income proof (Last 2 months' salary slips) Bank statement (Past 3 months' salary credit bank statement)

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3 Lakhs Personal Loan

₹3 Lakhs Personal Loan

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Instant ₹3 Lakh Personal Loan

Are you facing a financial need for a special occasion, higher education, a medical emergency, or perhaps home renovations? At Tata Capital, we understand how important these moments are, which is why we offer instant personal loans of up to Rs. 3 lakh to help you through. Our simple application process, attractive interest rates, and quick disbursal are all designed to make your life easier. With flexible loan options and speedy approvals, we’re here to give you the financial freedom to turn your plans into reality.

Calculate Your ₹3 Lakh Personal Loan EMI

Estimate your monthly instalments in advance using Tata Capital’s 3 Lakhs personal loan EMI calculator. To calculate your 3 lakh personal loan EMI, enter the loan amount, interest rate, and loan tenure to know your EMI amount.

Loan amount

₹

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Rate of interest

10% p.a 19% p.a

Monthly EMI

Total Amount Payable

0*
Total Interest Payable

0*

Total Amount Payable

Total Interest Payable

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Features and Benefits of Personal Loans for ₹3 Lakhs

Flexible EMI Options

Need 3 lakhs urgently? With Tata Capital, choose a repayment plan that works best for you, with tenures of up to 6 years, giving you the flexibility to manage your finances effectively.

Paperless Process

Save time and enjoy a completely digital application process. Apply for your Rs. 3 lakhs loan online without the need for paperwork, completing the application from the comfort of your home.

Competitive Interest Rates

We ensure that your loans remain affordable and easy to pay with our attractive interest rates.

Nominal Documentation

With Tata Capital, you can apply for your personal loan quickly with minimal paperwork. To get started, you only need essential personal loan documents such as income proofs, KYC documents, and employment verification.

No Collateral Required

Personal loans offered by Tata Capital are unsecured, meaning you don’t need to provide any collateral to secure the loan.

Eligibility Criteria for ₹3 Lakhs Personal Loan

To be eligible for a personal loan of up to Rs. 3 Lakh from Tata Capital, salaried applicants must meet the subsequent criteria:

1. Monthly Income: A minimum fixed monthly income of Rs. 15,000 is required.

2. Age: Individuals must be between 21 to 58 years of age.

3. Work Experience: Applicants must have at least one year of professional experience.

Eligibility for Self-Employed Applicants: ₹3 Lakh Personal Loan

If you are self-employed and need a ₹3 lakh personal loan to finance your urgent expenses, you need to fulfil the following eligibility criteria:

You need to be an Indian citizen.
Your age should be between 21 and 58 years.
You should have a stable source of income with a strong business vintage.
You must have a good CIBIL score, preferably more than 750.

CIBIL Score Requirement for a ₹3 Lakh Loan

To make sure your ₹3 lakh loan gets approved, having a good CIBIL score is important. A high CIBIL score demonstrates your creditworthiness and shows your lenders that you can repay your loans on time. Typically, a score over 700 is considered good and increases your chances of faster approvals with relatively better loan terms.

If you have a score above 750, you can unlock lower interest rates, quicker disbursals, longer repayment tenures, and even pre-approved personal loan offers.

Why Choose Tata Capital for Your ₹3 Lakh Personal Loan?

The reasons why you should choose Tata Capital for your ₹3 lakh personal loan include:

100% digital journey: The whole process happens online, so you’re done in minutes, in just 6 easy steps, without requiring any branch visits or complex documentation.
Fast disbursal: Once your ₹3 lakh loan is approved, you get quick access to funds, which usually land in your bank account within 24-48 hours.
Hybrid term loan option: With this facility, you can dip into additional funds later, up to an approved limit, and pay interest only on what you actually use.
Affordable interest rates: With rates starting at 10.99% p.a., your ₹3 lakh loan stays budget-friendly, and you can use the ₹3 lakh personal loan EMI calculator to choose a tenure according to your financial comfort. For instance, for a ₹3 lakh personal loan, EMI for 5 years will be ₹6,521 per month. On the other hand, for 3 years, it will be ₹9,820 each month.

Documents Required for ₹3 Lakh Personal Loan

Photo ID : A self-attested copy (Voter ID, Passport, Driving License, or Aadhaar Card.)

Address Proof: A self-attested copy (Voter ID, Passport, Driving License, or Aadhaar Card.)

Salary Slips: Copies of your salary slips (previous 2 months)

Bank Statement: Bank statement of your salary account (last three months)

Employment Certificate: A certificate verifying a minimum one year of regular employment .

₹3 Lakh Personal Loan Interest Rates & Associated Charges

Processing Fees	Up to 4% of the amount + GST.
CCOD Annual Maintenance Charges (For customers opting for a flexible funding option like PL Overdraft)	The charges include 0.25% of the reduced assigned limit or ₹1,000 (whichever is higher), payable at the end of the 13th month.
Collection Charge	If a cheque issued for payment is from a non-local branch, Tata Capital levies outstation collection charges on an "At Actuals" basis.
Statement of Accounts (hard copy for branch walk-in requests)	₹250 + GST. You can download the statement for free from the online portal.
Loan Cancellation Charges (post disbursement)	2% of the loan amount or ₹5,750 (whichever is higher).
Payment Instrument Swapping Charges (eMandates/post-dated cheques from another account for EMI repayment)	Rs. 550 + GST per instance.
Duplicate Repayment Schedule	Rs. 550 + GST per instance.
Duplicate No Objection Certificate (NOC)	Rs. 550 + GST per instance.

How to Apply for a Personal Loan for ₹3 Lakhs?

Visit the Tata Capital website

Provide your mobile number and the name linked to your PAN card.

Specify Loan Requirements

If you’re pre-approved, choose your loan amount within the approved limit.

Provide Personal Information

Enter your personal and banking details.

Set Up E-Mandate

Authorize a one-time eMandate for EMI payments.

Add Insurance

Select insurance to cover your loan in case of emergencies.

Loan Disbursement

Accept the e-Agreement, verify your details, and receive immediate disbursal.

Apply Personal Loan by Amount

FAQs on ₹3 Lakhs Personal Loan

To apply for a Rs. 3 lakh personal loan from Tata Capital, you must be between 21 to 58 years old, earn a minimum monthly income of Rs. 15,000, and have at least one year of professional experience (for salaried individuals).

You can avail an instant personal loan up to Rs.3 lakhs if you meet the eligibility criteria set by us including factors like age, income, credit score, and employment status. For more details, visit our website.

The monthly EMI for a Rs. 3 lakh loan depends on varied factors such as the loan amount, interest rate, and loan tenure. You can use Tata Capital's online EMI calculator to estimate your monthly EMI in advance.

Tata Capital requires minimal documentation for a personal loan of up to Rs. 3 lakh. This includes basic documents like your PAN or Aadhaar card, along with proof of employment and bank statements.

If you don’t have salary slips, you can submit alternative documents like Form 16, bank statements showing salary deposits, or your latest Income Tax Return (ITR) acknowledgement as proof of income.

Tata Capital offers personal loans without the need for collateral, giving you easy access to funds without pledging your valuable assets.

To verify your financial stability without income proof, you can provide valid documents such as recent salary slips, bank statements showing salary deposits, Form 16, or the latest ITR acknowledgement for a smooth approval process.

You will be able to apply for a personal loan with a low credit score. However, your chances of approval are increased with a high credit score. A credit score of 725 or more offers several benefits, such as:

Longer loan tenures with manageable EMIs.
Faster loan approval.
Competitive interest rates.
Higher chances of securing a pre-approved loan.

You can apply for a personal loan with Aadhaar and PAN cards as part of the required documentation. Here's what you need to submit as a salaried individual:

Application form with a recent photograph
Proof of identity and residence (Driving License, Passport, Voter's ID, or Aadhaar Card)
Self-attested copy of PAN Card
Income proof (Last 2 months' salary slips)
Bank statement (Past 3 months' salary credit bank statement)

Tata Capital’s pre-approved loan option provides quick access to funds. Simply fill out the online application, submit the necessary documents, and once verified, the approved amount will be promptly disbursed to your account.

Once all your documents are verified and your personal loan application is approved, you can expect to receive the approved loan amount in your bank account within 24-48 hours.

With Tata Capital, loans are collateral-free, approved with minimal documentation, disbursed quickly, and the whole process is entirely digital. You can pick a repayment tenure that suits your comfort, and the prompt support team ensures the entire process is hassle-free.

You can take a ₹3 lakh personal loan for debt consolidation. Under this, all your existing loans or credit card dues are combined into one single loan, so it’s easier for you to manage your EMIs and reduce your financial stress.

If your application for an instant loan of 3 lakh is rejected, it may be because you do not meet the eligibility criteria. You should first review the exact reason for the rejection and work on improving your credit score and clearing existing debts. Also, make sure all the required documents are accurate.

With Tata Capital, the maximum tenure available is 6 years, so you can repay the loan at a pace that fits your monthly budget and financial comfort.