Suddently, Rakesh got a terrible call: his mother needed immediate medical tests, and he only had ₹900. With no time to borrow from friends and no credit card, he applied for an Urgent ₹40,000 Loan using just his PAN Card through 24hrLoan.
In less than 45 minutes, the money was credited to his account.
That’s the power of fast, paperless, emergency loans — simple documents, quick verification, and instant support when life hits unexpectedly. If you’re also facing a sudden expense and need money today, 24hrLoan helps you get a ₹40,000 loan quickly and securely using your PAN card.
What is a ₹40,000 PAN Card Loan?
A PAN card loan is a small personal loan where the lender verifies your identity and financial profile mainly through your PAN card, Aadhaar, and bank statement.
It’s designed for emergencies where you need money immediately without long paperwork or a bank visit. 24hrLoan partners with multiple banks and NBFCs, giving you higher approval chances and faster disbursal.
₹40,000 Loan Features
| Feature | Details |
|---|---|
| Loan Amount | ₹10,000 – ₹40,000 |
| Interest Rate | 18% – 32% p.a. (based on profile) |
| Approval Time | 60 minutes – 24 hours |
| Disbursal | Same-day / within hours |
| Documents Needed | PAN, Aadhaar, Salary Slip, Bank Statement |
| Minimum Salary | ₹12,000 per month |
| Tenure | 12 to 36 months |
Also Read: Ring Instant Loan
Benefits of ₹40,000 PAN Card Loans
24hrLoan combines speed, transparency, and multiple lender options — ideal for borrowers who need fast support.
High Approval Rate
Since we work with different banks/NBFCs, you get multiple chances of approval even if one lender rejects your application.
Loan with Basic KYC Only
Your PAN card is the primary document. No employer letter, no heavy paperwork, no office visit required.
Fastest Emergency Loans
Most customers get approval within minutes, and disbursal happens the same day.
Designed for Low-Salary Workers
Even if you earn just 12,000 per month, you can still qualify for a loan.
Fully Digital Process
Apply from your phone, upload documents, track approval — everything online.
Money for Any Purpose
No restrictions. Use the ₹40,000 however you need.
Eligibility for ₹40,000 Loan on PAN Card
You are eligible if:
- You are 21–55years old
- Have a monthly income of ₹12000+
- Have a PAN card & Aadhaar card
- Receive income in your bank account
- Have at least 12 months salary credit statement
A good CIBIL score helps, but some lenders also consider low-score applications.
Documents You Need
Just a few digital documents:
- PAN Card
- Aadhaar Card
- Last 12 months’ Bank Statement
- Latest 3 month Salary slip
- Selfie Photo
No physical documents. No biometric verification. The entire process is hassle-free.
Top Bank/NBFC Provide ₹40,000 Loan on PAN 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 an Urgent ₹40,000 PAN Card Loan
Step 1: Fill out the online form
Enter your basic details like name, income, and mobile number.
Step 2: Upload PAN, Aadhaar & Bank Statement
We verify instantly with secure digital checks.
Step 3: Compare Loan Offers
Choose the best interest rate and tenure from trusted lenders.
Step 4: Get Fast Approval
Most approvals happen within 30–60 minutes.
Step 5: Receive Money in Bank
₹40,000 is credited directly to your bank account — often within hours.
Also Read: Best NBFCs for Personal Loan in India with Low Interest Rates
EMI for ₹40,000 Loan
| Tenure | Approx EMI |
| 3 months | ₹14,500 – ₹15,200 |
| 6 months | ₹7,400 – ₹7,900 |
| 9 months | ₹5,200 – ₹5,600 |
| 12 months | ₹4,000 – ₹4,500 |
EMI depends on interest rate and lender policy.
FAQs – Urgent ₹40,000 Loan on PAN Card
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Can I really get ₹40,000 using just my PAN card?
Yes. PAN card + Aadhaar + Salary slip + bank statement are enough for most lenders on 24hrLoan.
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How fast will the loan be disbursed?
Most loans are disbursed same-day, often within 1–3 hours after approval.
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Can low-salary employees apply?
Yes. Anyone earning ₹12,000 per month can apply.
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Do I need a good CIBIL score?
A good score increases approval chances, but several lenders accept average or low CIBIL too.
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Can I take this loan for medical reasons?
Absolutely. The ₹40,000 loan can be used for any personal need, including emergencies.