Skip to main content

Guide · Documents

Documents required for a personal loan

For a personal loan in India you typically need a PAN card, Aadhaar card (for KYC), and proof of income — salary slips and a bank statement if salaried, or bank statements and ITR/GST returns if self-employed. Most digital lenders verify these online, so you rarely upload paper copies.

Check my loan offers

Free to compare · No impact on your credit score

Salaried

  • PAN card
  • Aadhaar card
  • Last 3 months’ salary slips
  • Last 3–6 months’ bank statement showing salary credits

Self-employed

  • PAN card
  • Aadhaar card
  • Last 6–12 months’ bank statements
  • ITR and/or GST returns for larger amounts
  • Business proof (Udyam, shop licence)

How digital KYC works

Aadhaar e-KYC uses an OTP sent to your Aadhaar-linked mobile. Some lenders also do a short video KYC. Bank statements can be fetched digitally with your consent through the Account Aggregator framework.

Frequently asked questions

Is Aadhaar mandatory for a personal loan?

Aadhaar is the most common KYC route online. Lenders may accept other officially valid documents such as a passport or voter ID.

Can I get a loan without a salary slip?

Some lenders verify income from bank statements instead.

Explore more

Finriseo is a loan comparison platform, not a lender. Loans are given by RBI-registered NBFCs and are subject to their approval, rates and terms.

Check my loan offers