In practice, almost no regulated lender gives an unsecured personal loan without a PAN card, because PAN is how they check your credit history. If you do not have one, apply for an instant e-PAN on the Income Tax e-filing portal using your Aadhaar — it is free and usually issued quickly — then compare loan offers on Finriseo.
Free to compare · No impact on your credit score · हिन्दी में पढ़ें
Why PAN is needed
Lenders use it to fetch your credit report
It is part of KYC for most loans
It links the loan to you for reporting
Get a PAN quickly
Go to the Income Tax e-filing portal and choose Instant e-PAN
Enter your Aadhaar number and verify with the OTP on your linked mobile
Download the e-PAN once it is issued
Use it to apply for a loan
How to apply on Finriseo
Enter your mobile number and verify it with an OTP
Add the amount you need, your income and PAN
Compare the offers you match
Apply to the lender you choose — they complete KYC and pay into your bank account
Frequently asked questions
Can I use only Aadhaar for a loan?
No. Aadhaar is for KYC; lenders also need a PAN for the credit check.
Is e-PAN valid for a loan?
Yes. An e-PAN is a valid PAN card.
Is Finriseo a lender?
No. Finriseo is a loan comparison platform. The loan is given by the RBI-registered NBFC you choose; they set the rate, fees and terms. Comparing is free for you.