{"id":11933,"date":"2026-08-03T19:03:20","date_gmt":"2026-08-03T13:33:20","guid":{"rendered":"https:\/\/www.fatakpay.com\/blog\/?p=11933"},"modified":"2026-08-03T19:03:21","modified_gmt":"2026-08-03T13:33:21","slug":"how-to-get-a-personal-loan-without-a-pan-card","status":"publish","type":"post","link":"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/","title":{"rendered":"How to Get a Personal Loan Without a PAN Card\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Many borrowers search for ways to get a&nbsp;personal loan without a PAN card, especially if they have not yet obtained one.&nbsp;In reality, most&nbsp;banks and NBFCs&nbsp;require&nbsp;PAN&nbsp;as part of the loan application process. However, there are limited situations where alternative documents may be accepted, depending on the lender and applicable regulations.&nbsp;<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Can_you_get_a_personal_loan_without_a_PAN_card\" >Can you get a personal loan without a PAN card?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Are_there_any_alternatives_to_a_PAN_card\" >Are there any alternatives to a PAN card?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Challenges_of_applying_without_a_PAN_card\" >Challenges of applying without a PAN card&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Conclusion\" >Conclusion&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#FAQs\" >FAQs&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Can_I_get_a_personal_loan_without_a_PAN_card\" >Can I get a personal loan without a PAN card?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Can_Aadhaar_replace_PAN_for_a_personal_loan\" >Can Aadhaar replace PAN for a personal loan?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#What_is_Form_60\" >What is Form 60?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Should_I_apply_for_a_PAN_card_before_applying_for_a_loan\" >Should I apply for a PAN card before applying for a loan?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Are_loan_apps_offering_loans_without_PAN_trustworthy\" >Are loan apps offering loans without PAN trustworthy?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#What_is_the_loan_limit_without_PAN\" >What is the loan limit without&nbsp;PAN?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-a-personal-loan-without-a-pan-card\/#Do_I_still_need_KYC_without_PAN\" >Do I still need KYC without&nbsp;PAN?&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_you_get_a_personal_loan_without_a_PAN_card\"><\/span><strong>Can you get a personal loan without a PAN card?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In most cases, no. Banks and RBI-regulated NBFCs&nbsp;generally require&nbsp;a PAN card to process personal loan applications. PAN helps lenders verify your identity, assess your creditworthiness through credit&nbsp;bureaus&nbsp;and meet regulatory and tax compliance requirements.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That said, there may be limited exceptions.&nbsp;Some lenders may accept Form 60 from applicants who do not have a PAN card, along with other officially valid KYC documents. However,&nbsp;submitting&nbsp;Form 60 does not guarantee loan approval, and many lenders may still insist on a PAN before processing or disbursing a loan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you plan to apply for a personal loan, obtaining a PAN card beforehand is usually the simplest way to avoid delays and improve your chances of approval.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are_there_any_alternatives_to_a_PAN_card\"><\/span><strong>Are there any alternatives to a PAN card?<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In certain situations, lenders may ask applicants without a PAN card to&nbsp;submit&nbsp;other documents for identity and address verification.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Document&nbsp;<\/td><td>Purpose&nbsp;<\/td><td>Important note&nbsp;<\/td><\/tr><tr><td>Aadhaar Card&nbsp;<\/td><td>Identity and address proof&nbsp;<\/td><td>Used for KYC but does not replace PAN where PAN is mandatory.&nbsp;<\/td><\/tr><tr><td>Passport&nbsp;<\/td><td>Identity and address proof&nbsp;<\/td><td>Accepted as an Officially Valid Document.&nbsp;<\/td><\/tr><tr><td>Voter ID&nbsp;<\/td><td>Identity proof&nbsp;<\/td><td>May also serve as address proof.&nbsp;<\/td><\/tr><tr><td>Driving&nbsp;Licence&nbsp;<\/td><td>Identity and address proof&nbsp;<\/td><td>Must be valid and&nbsp;contain&nbsp;current details.&nbsp;<\/td><\/tr><tr><td>Form 60&nbsp;<\/td><td>Declaration for individuals without PAN&nbsp;<\/td><td>May be accepted in limited circumstances but does not guarantee loan approval.&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The documents accepted&nbsp;ultimately depend&nbsp;on the lender&#8217;s policies and regulatory obligations.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to learn how Aadhaar is used during the borrowing process,&nbsp;read&nbsp;our guide on&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/how-to-get-personal-loan-on-aadhar-card\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loans on Aadhaar cards<\/strong><\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Challenges_of_applying_without_a_PAN_card\"><\/span><strong>Challenges of applying without a PAN card<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Applying for a&nbsp;personal loan without a PAN card&nbsp;can create several challenges.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many lenders may decline the application outright because PAN is a standard requirement for credit assessment. Without PAN, lenders may be unable to retrieve your credit history, making it difficult to evaluate your repayment&nbsp;behaviour. You may also be asked to provide&nbsp;additional&nbsp;documents, resulting in longer verification times.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Applicants without PAN may also&nbsp;encounter&nbsp;misleading advertisements claiming guaranteed loans without documentation. It is important to borrow only from RBI-regulated banks and NBFCs that follow proper KYC and responsible lending practices.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your concern is income proof rather than PAN, you may also find our guide on&nbsp;<a href=\"https:\/\/www.fatakpay.com\/blog\/personal-loan\/personal-loan-without-itr\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan without ITR<\/strong><\/a>&nbsp;helpful.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although some limited exceptions may exist, a PAN card is&nbsp;generally required&nbsp;for most&nbsp;<a href=\"https:\/\/www.fatakpay.com\/personal-loan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>personal loan<\/strong><\/a>&nbsp;applications&nbsp;in India. If you do not yet have one, applying for a PAN card before seeking credit can make the process easier and improve your access to regulated lenders.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you need an&nbsp;<a href=\"https:\/\/www.fatakpay.com\/instant-loans-online\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>instant loan<\/strong><\/a>,&nbsp;FatakPay&nbsp;offers a convenient digital application process for eligible borrowers. You can complete your application online,&nbsp;submit&nbsp;the necessary&nbsp;documents&nbsp;and receive updates throughout the loan process.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keeping your PAN card and other KYC documents ready can help make the application smoother and reduce processing delays.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_I_get_a_personal_loan_without_a_PAN_card\"><\/span>Can I get a personal loan without a PAN card?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Generally,&nbsp;no. Most banks and NBFCs&nbsp;require&nbsp;PAN for personal loan applications. Some lenders may consider limited exceptions by accepting Form 60 and other KYC documents, but approval is not guaranteed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_Aadhaar_replace_PAN_for_a_personal_loan\"><\/span>Can Aadhaar replace PAN for a personal loan?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Aadhaar is an Officially Valid Document for identity verification but does not replace PAN where the lender requires it for credit assessment or regulatory compliance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Form_60\"><\/span>What is Form 60?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Form 60 is a declaration that can be&nbsp;submitted&nbsp;by individuals who do not have a PAN in certain prescribed situations under the Income-tax Rules. Whether it is accepted for a loan application depends on the lender&#8217;s policies.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Should_I_apply_for_a_PAN_card_before_applying_for_a_loan\"><\/span>Should I apply for a PAN card before applying for a loan?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. Having a PAN card&nbsp;generally makes&nbsp;the loan application process smoother, helps lenders verify your credit&nbsp;history&nbsp;and improves your eligibility with regulated financial institutions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are_loan_apps_offering_loans_without_PAN_trustworthy\"><\/span>Are loan apps offering loans without PAN trustworthy?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You should exercise caution. Always verify that the lender is regulated by the RBI and follows proper KYC procedures. Be wary of platforms that promise guaranteed loans without adequate documentation.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_loan_limit_without_PAN\"><\/span>What is the loan limit without&nbsp;PAN?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There is no RBI-prescribed loan limit for obtaining a&nbsp;loan without a PAN card. In practice, most banks and NBFCs&nbsp;require&nbsp;PAN for personal loan applications, regardless of the loan amount. Any exceptions depend entirely on the lender&#8217;s policies.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_I_still_need_KYC_without_PAN\"><\/span>Do I still need KYC without&nbsp;PAN?&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. KYC is mandatory even if you do not have a PAN card. You must provide other officially valid documents, such as Aadhaar, Passport, Voter&nbsp;ID&nbsp;or Driving&nbsp;Licence. Depending on the&nbsp;lender&#8217;s&nbsp;policies, you may also need to&nbsp;submit&nbsp;Form 60 and&nbsp;additional&nbsp;supporting documents.&nbsp;<\/p>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\/\", \n\n  \"@type\": \"BreadcrumbList\", \n\n  \"itemListElement\": [ \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 1, \n\n      \"name\": \"Home\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 2, \n\n      \"name\": \"Blog\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 3, \n\n      \"name\": \"Personal Loan\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/\" \n\n    }, \n\n    { \n\n      \"@type\": \"ListItem\", \n\n      \"position\": 4, \n\n      \"name\": \"How to Get a Personal Loan Without a PAN Card\", \n\n      \"item\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/personal-loan-without-pan-card\/\" \n\n    } \n\n  ] \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"BlogPosting\", \n\n  \"mainEntityOfPage\": { \n\n    \"@type\": \"WebPage\", \n\n    \"@id\": \"https:\/\/www.fatakpay.com\/blog\/personal-loan\/personal-loan-without-pan-card\/\" \n\n  }, \n\n  \"headline\": \"Personal Loan Without a PAN Card: What to Know\", \n\n  \"description\": \"Find out whether a personal loan without a PAN card is possible in India, what alternative documents lenders may accept, and how to apply smoothly.\", \n\n  \"image\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\", \n\n  \"author\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"url\": \"https:\/\/www.fatakpay.com\" \n\n  }, \n\n  \"publisher\": { \n\n    \"@type\": \"Organization\", \n\n    \"name\": \"FatakPay\", \n\n    \"logo\": { \n\n      \"@type\": \"ImageObject\", \n\n      \"url\": \"https:\/\/www.fatakpay.com\/navbar-assest\/Logo-2.png\" \n\n    } \n\n  }, \n\n  \"datePublished\": \"2026-08-03\", \n\n  \"dateModified\": \"2026-08-03\" \n\n} \n\n<\/script> \n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [ \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Can I get a personal loan without a PAN card?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"Generally, no. Most banks and NBFCs require PAN for personal loan applications. Some lenders may consider limited exceptions by accepting Form 60 and other KYC documents, but approval is not guaranteed.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Can Aadhaar replace PAN for a personal loan?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"No. Aadhaar is an Officially Valid Document for identity verification but does not replace PAN where the lender requires it for credit assessment or regulatory compliance.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"What is Form 60?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"Form 60 is a declaration that can be submitted by individuals who do not have a PAN in certain prescribed situations under the Income-tax Rules. Whether it is accepted for a loan application depends on the lender's policies.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Should I apply for a PAN card before applying for a loan?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"Yes. Having a PAN card generally makes the loan application process smoother, helps lenders verify your credit history and improves your eligibility with regulated financial institutions.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Are loan apps offering loans without PAN trustworthy?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"You should exercise caution. Always verify that the lender is regulated by the RBI and follows proper KYC procedures. Be wary of platforms that promise guaranteed loans without adequate documentation.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"What is the loan limit without PAN?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"There is no RBI-prescribed loan limit for obtaining a loan without a PAN card. In practice, most banks and NBFCs require PAN for personal loan applications, regardless of the loan amount. Any exceptions depend entirely on the lender's policies.\" \n\n      } \n\n    }, \n\n    { \n\n      \"@type\": \"Question\", \n\n      \"name\": \"Do I still need KYC without PAN?\", \n\n      \"acceptedAnswer\": { \n\n        \"@type\": \"Answer\", \n\n        \"text\": \"Yes. KYC is mandatory even if you do not have a PAN card. You must provide other officially valid documents, such as Aadhaar, Passport, Voter ID or Driving Licence. Depending on the lender's policies, you may also need to submit Form 60 and additional supporting documents.\" \n\n      } \n\n    } \n\n  ] \n\n} \n\n<\/script> \n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Many borrowers search for ways to get a&nbsp;personal loan without a PAN card, especially if they have not yet obtained one.&nbsp;In reality, most&nbsp;banks and NBFCs&nbsp;require&nbsp;PAN&nbsp;as part of the loan application process. However, there are limited situations where alternative documents may be accepted, depending on the lender and applicable regulations.&nbsp; Can you get a personal loan<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180],"tags":[],"class_list":["post-11933","post","type-post","status-publish","format-standard","category-personal-loan"],"_links":{"self":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11933","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/comments?post=11933"}],"version-history":[{"count":1,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11933\/revisions"}],"predecessor-version":[{"id":11934,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/posts\/11933\/revisions\/11934"}],"wp:attachment":[{"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/media?parent=11933"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/categories?post=11933"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fatakpay.com\/blog\/wp-json\/wp\/v2\/tags?post=11933"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}