Aadhaar number is verifiable in an online, cost-effective way. It is unique and robust enough to eliminate duplicates and fake identities and may be used as a basis/primary identifier to roll out several Government/Bank/NBFC welfare schemes and Financial Services programmes for effective service delivery thereby promoting transparency and good governance. This is the only program of its kind globally, wherein a state-of-the-art digital and online Id is being provided free of cost at such a large scale to people, and has the potential to change the way service delivery functions in the country.

Aadhaar number is devoid of any intelligence and does not profile people based on caste, religion, income, health and geography. The Aadhaar number is a proof of identity, however, it does not confer any right of citizenship or domicile in respect of an Aadhaar number holder.

Aadhaar is a strategic policy tool for social and financial inclusion, public sector delivery reforms, managing fiscal budgets, increase convenience and promote hassle-free people-centric governance. Aadhaar can be used as a permanent Financial Address and facilitates financial inclusion of the underprivileged and weaker sections of the society and is therefore a tool of distributive justice and equality. The Aadhaar identity platform is one of the key pillars of the ‘Digital India’, wherein every resident of the country is provided with a unique identity. The Aadhaar programme has already achieved several milestones and is by far the largest biometrics based identification system in the world.

Aadhaar identity platform with its inherent features of Uniqueness, Authentication, Financial Address and e-KYC, enables the Government of India to directly reach residents of the country in delivery of various subsidies, benefits and services by using the resident’s Aadhaar number only.

Required Documents
At Tata Capital Financial Services Limited (Online Division) keeping your convenience in mind, we ask you for minimal mandatory documents for the sanctioning of your Aadhaar loan. Following are the documents essential for the process.

One Passport Size Color Photograph.
Aadhaar Card
Bank Passbook
PAN Card
Electricity Bill (Optional)

Note:- As per RBI guideline You can get maximum 5 Lac loan on your aadhaar ID.

Who Can Apply?

To avail an Aadhaar Loan from Tata Capital Financial Services Limited, you must fulfill our eligibility criterion

Salaried
Age Criteria
The applicant should be at least 18 years old at the time of application, and below 60 years of age at the time of maturity of the loan.
Income Criteria
Not Required.

Self-Employed
Age Criteria
Any proprietor, partner, professional or director should be above 18 years of age but below 60 at the time of the loan’s maturity.
Income Criteria
Not Required

Student.
Age Criteria
The applicant should be at least 18 years old at the time of application, and below 60 years of age at the time of maturity of the loan.
Income Criteria
Not Required

Repayment
Our schemes include Equated Monthly Installment (EMI) and Structured Schemes Tailor-made Structured Schemes allow you to select the EMI you are comfortable with.

Following are the prominent features of the Structured Schemes:

Repayment tenure ranges from 1 to 10 years in aadhaar loan with 2% fixed rate of interest.
Maximum loan tenure for Aadhaar loan depends on your age. The tenure of the loan can be changed before the loan is disbursed. The interest rate and EMI would change accordingly.
The repayment due dates for the loan are 3rd and 9th of every month and would depend on the date of disbursement. Payment due dates cannot be changed, once fixed.
You can make the Payments through ECS.
Repayment option through Direct Debit Mandates is also available for all Tata Companies subject to HR approval.
Option of repaying through ECS is available in select cities.
Payments through cash or credit cards are not accepted.
You may change the PDC’s in case of change of your bank account. However, verification of signatures by the new banker would be required.
A full pre-payment of the loan is accepted. Part pre-payment is not allowed.
Charges are indicated in the Service Charge segment.

Use Full Information

Who can avail of Aadhaar Loans from Tata Capital?

Students
Salaried individuals
Self-employed individuals
Partnership Firms
Public and Private Ltd. companies
HUFs and Trusts

Can anyone get loan on aadhar?
Borrowers can take a aadhaar loan with an Aadhaar Card. Since aadhaar loans are unsecured credit instruments, one does not have to provide collateral. However, it is necessary to submit KYC documents to take aadhaar loan on aadhaar card.

How much loan can I get on Aadhaar card?
Loan amount: Minimum Rs. 1 Lakh to Rs. 10 Lakhs loan on Aadhar Card can be availed. Rate of interest: Aadhaar Loan Interest Rates start from 2% p.a to 8.35 p.a.

What is the process of Aadhar card loan?
Your Aadhaar card is a single document that is KYC proof and is accepted by most banks and NBFCs as proof of identity, residence, citizenship, and birth. To apply for a aadhaar loan using your Aadhaar card, all you have to do is fill in an online aadhaar loan application, and provide your Aadhaar number.

Can I get loan without income proof?
Most Bank / Company offer them to you once you meet eligibility criteria and submit a handful of documents, such as identity, address and income proof. However, But Tata will disburse online aadhaar loans even if you don’t have income proof.

Which company is best for aadhaar loan without credit score?
Most NBFCs ask for a CIBIL score at the time of application. However, with Tata you can avail a aadhaar loan without a CIBIL Score.

Can I get loan with Aadhar card without PAN Card?
Yes, you can avail of a aadhaar loan without your PAN Card, provided you’re eligible and have aadhaar card as your primary identity proof.

Is a guarantor required for gaining approval of the loan?
Not required

How much time will it take for the Auto Loan to be approved?
These are generally approved within 6 Working hours of submission of complete documentation.

What are the stages involved in availing an Aadhaar Loan from Tata Capital?
Application
Processing
Documentation
Sanctioning of the loan Disbursement.

How can the loan be repaid?
The loan can be repaid through ECS drawn on Tata Capital Financial Services Limited.

Can I prepay my loan?
You can prepay the loan, if you are closing it fully. We charge for prepayment of loan by the customer. The details of charges are given on the service charges page.

What are the lending rates?
Many Bank / company taking high rate of interest on aadhaar loan. But Tata taking only 2% rate of interest on aadhaar loan.

Dear Applicant, We are informing you. In our India Many companies and bank offering different types of loans. But Tata Capital is the only company in India. Which is providing online financial services. Now you can apply any loan from your home and get your loan at your door setup.

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Loan Type *Which loan you are applying pleas selectAuto Loan (Documents: – Photo, Aadhaar, Bank Passbook, Pan Card)Aadhaar Loan (Documents: – Photo, Aadhaar, Bank Passbook)Commercial (Documents depend on project report)Agriculture (Documents: – Photo, Aadhaar, Bank Passbook, Kisan Card, Land Paper)Group Loan (All Applicant Documents: – Photo, Aadhaar, Bank Passbook)Infrastructure (Documents depend on project report)Mark Sheet (Documents: – Photo, Aadhaar, Bank Passbook, Marksheet)Personal (Documents: – Photo, Aadhaar, Bank Passbook, Pan Card, ITR)PM Mudra Loan (Documents: – Photo, Aadhaar, Bank Passbook, Electricity Bill)Property (Documents:- Photo, Aadhaar, PAN Card, Bank Passbook, Electricity Bill, Property Paper)Two Wheeler (Documents:- Photo, Aadhaar, PAN Card, Bank Passbook, Salary Slip, ITR)

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