Ever had one of those days when your wallet says “no,” but life says “now”? Maybe the phone bill’s due, your scooter needs urgent repairs, or you just need a little extra cash to make it through the week. That’s where a ₹12,000 loan on Aadhaar Card can save the day.
With 24hrLoan, you can unlock instant money from trusted banks and NBFC companies with just your Aadhaar card.
What is a ₹12,000 Loan on Aadhaar Card?
₹12,000 Aadhaar Card loan is a small personal loan you can get using your Aadhaar card as primary ID and KYC proof.
It’s a short-term loan designed for quick financial relief — ideal for urgent expenses or small purchases.
You don’t need to visit a bank branch, fill out lengthy forms, or submit piles of documents. Aadhaar-based verification makes the process fully digital and paperless.
Benefits of Getting a ₹12,000 Loan on Aadhaar Card
- Multiple Bank Options: Compare and choose the best offer in one place.
- 100% Online Process: No paperwork, no visits, no hassle.
- Instant Eligibility Check: Find out if you qualify in seconds.
- Fast Disbursal: Money in your account within hours.
- Safe & Secure: Your data is encrypted and shared only with trusted lending partners.
- Low Documentation: Aadhaar + PAN is enough for most lenders.
- 24/7 Access: Apply anytime, even on weekends or holidays.
Eligibility Criteria
To qualify for a ₹12,000 loan on Aadhaar card through 24hrLoan:
- Age: Required 21 to 55 years
- Residence: Indian Citizen required
- Credit Score: Minimum CIBIL score of -1 or 700 required.
- Monthly Income: Borrower Salary should be ₹12,000/month with 1 year of job experience
Also Read: Best Credit Card for Women
Documents Required
Thanks to Aadhaar-based eKYC, you need minimal documents:
- Aadhaar Card – For identity and address verification.
- PAN Card – For financial and credit verification.
- Bank Account Statement (last 12 months) and latest 3 month salary slip.
- Selfie or Photo ID (for verification in some cases).
Top NBFC Companies Offer ₹12,000 Loan on Aadhaar Card
| Lenders | Interest Rate (p.a.) | Salary Per Month | |
| WeRize | 16% to 18% p.a. | Rs. 12,000 | Apply Now |
| MoneyView | 1.33% per month | Rs. 13,500 | Apply Now |
| InCred | 11.49% to 18% p.a. | Rs. 15,000 | Apply Now |
| Fibe | 24% to 30% p.a. | Rs. 18,000 | Apply Now |
| Poonawalla Fincorp | 20% to 36% p.a. | Stable source of Income | Apply Now |
| Prefr | 18% to 36% p.a. | Stable source of Income | Apply Now |
| Finnable | 16% to 22% p.a. | Rs. 15,000 | Apply Now |
| IDFC | 12.50% to 18% p.a. | Rs. 15,000 | Apply Now |
| PaySense | 1.4% to 2.3% per month | Rs. 18,000 | Apply Now |
| Upward | 9% to 32% p.a. | Rs. 18,000 | Apply Now |
| mPokket | 1% to 6% per month | Rs. 9,000 | Apply Now |
How to Apply for a 12,000 Loan on Aadhaar Card
Here’s the simple 4-step process with 24hrLoan:
- Visit 24hrLoan.com – Fill in your basic details and loan requirement (₹12,000).
- Check Offers – We instantly match you with banks and NBFCs offering personal loans based on your profile.
- Verify with Aadhaar – Complete your eKYC using your Aadhaar number and OTP.
- Get Instant Approval – Once verified, funds can be disbursed within minutes to a few hours, depending on the lender.
Where Can You Use the ₹12,000 Loan?
You can use the ₹12,000 loan for any personal need, including:
- Paying medical or emergency bills
- Handling unexpected home or vehicle repairs
- Covering travel or utility expenses
- Managing month-end cash shortages
- Funding education or small business needs
Also Read: Get 5,000 Loan on Aadhaar Card
Conclusion
₹12,000 loan on Aadhaar Card is your quickest route to instant cash when you need it most. No collateral, no physical verification, just fast approval powered by Aadhaar-based KYC.
With 24hrLoan, you can find, compare, and apply for the best small loan offers from multiple banks — all in one place, anytime you need money.
FAQs
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Can I get a ₹12,000 loan with only my Aadhaar card?
Yes. Many digital lenders and NBFCs offer a ₹12,000 instant loan using just your Aadhaar card as KYC proof. With Aadhaar-linked verification, you don’t need heavy documentation or branch visits. Just your Aadhaar, PAN, and bank details are usually enough to get approved online.
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Is it possible to get a ₹12,000 loan without a salary slip?
Yes. Several NBFCs and online loan apps available through 24hrLoan approve small loans without a salary slip. They may verify your income through bank statements and a joining letter.
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What is the interest rate for a ₹12,000 Aadhaar card loan?
Interest rates generally range from 1.5% to 3% per month, depending on the lender, your income, and credit profile. Some partners on 24hrLoan also offer zero-processing-fee or flexible repayment options for first-time borrowers.
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Do I need a good credit score to get a ₹12,000 loan?
Not necessarily. Many small loan providers on 24hrLoan offer loans even to users with low or no credit history, using alternate credit checks like bank transaction and salary slip.
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Can I take multiple Aadhaar card loans at once?
It depends on your income and repayment capacity. Lenders check your existing liabilities before approving another loan. You can compare multiple offers on 24hrLoan and pick one that suits your financial comfort.