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Home Blog Cash Loan ₹1000 Loan on Pan Card

How to Get ₹1,000 Loan on PAN Card Instantly in 2025?

Published : January 26, 2025, 8:13 PM

Updated : January 26, 2025, 8:13 PM

Author : Ananth

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A ₹1,000 loan on PAN card is a quick and convenient financial solution if you need small and instant funds. With minimal documentation and no lengthy approval processes, this type of loan has gained popularity among individuals seeking emergency cash. You can easily get a loan with an interest rate of 9% to 45% per annum with a processing fees of 1 to 3%.

These loans have a repayment period of 3 to 24 months. By using your PAN card as a primary identification document, you can easily apply for and receive such loans with a quick disbursement time of a couple of minutes to 24 hours, making it a preferred option for short-term financial needs. This article will explore how ₹1000 loan on PAN card in India works, their benefits, and what you need to know before applying.

1000 Loan on PAN Card - Quick Info

Getting a ₹1000 loan on a PAN card is quick and convenient. Most digital lenders and fintech platforms offer instant approval for small loans, requiring minimal documentation. All you need is a PAN card and essential details to get started. It's an ideal option for urgent, short-term financial needs.

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Feature	Details
Loan Amount	Up to ₹100,000
Interest Rates	Between 9% p.a. and 45% p.a. (generally)
Credit Score	700+
Loan Tenure	3 to 24 months
Documentation	PAN Card, Address and Income Proof
EMI Eligibility	Based on the borrower's monthly income
Processing Fee	1-2% of loan amount
Loan Disbursement Time	Instant, typically within 24 hours

Eligibility Criteria of ₹1000 Loan on PAN Card

Availing of a ₹1000 loan using your PAN card is straightforward if you meet the necessary criteria. Digital lenders prioritise basic financial stability and documentation for quick approval. Here are the easy eligibility requirements that you need to meet to get a loan:

Age Requirement: Applicants must be 21 to 60 years of age. This ensures that the borrower is within the financially active age range, making repayment more likely during the tenure.
Minimum Income Criteria: Lenders demand a minimum net monthly income of ₹15,000. This proves the borrower's ability to repay the loan amount on time without defaulting, even for a small loan.
CIBIL Score: A good credit history is vital, and a minimum CIBIL score of 700 is required. It reflects the borrower's financial discipline and creditworthiness, improving loan approval chances.
Valid PAN Card: A PAN card is mandatory for identity verification and to track the applicant's financial records. It ensures compliance with KYC (Know Your Customer) norms required by financial institutions.
Cite of Employment: Both salaried individuals and self-employed individuals can apply for this loan. Lenders usually have specific requirements for different types of employment.

Documents Required for a ₹1000 Loan on PAN Card

Getting a ₹1000 loan using your PAN card is simple and quick if you have the necessary documents ready. These documents are important to verify your identity, address, and income, ensuring a seamless approval process. Below are the key documents you’ll need:

PAN Card: The PAN card serves as your primary identity proof for the loan application. It helps lenders verify your financial history and ensures you meet the eligibility criteria for the loan.
Identity Card: Provide a government-issued ID like an Aadhaar card, voter ID, or passport to authenticate your identity. It ensures that the loan is issued to the correct individual.
Residential Proof: A utility bill, rent agreement, or Aadhaar card can act as proof of your residence. Lenders require this to verify your address and determine your stability of residence.
Income Proof: Even for small loans, income proof such as salary slips, bank statements, or ITR filings demonstrates your repayment capacity. It builds trust with the lender and increases your chances of approval.
Recent Passport-Sized Photograph: Submitting a recent photograph ensures your application matches your identity. Most lenders require this for their records and verification processes.
Bank Account Details: You must provide your bank account number, passbook, or statement to enable the transfer of the loan amount directly to your account. This also facilitates loan repayment.

How to get ₹1000 Loan on PAN Card Online Without Documents?

Obtaining a ₹1,000 loan online using your PAN Card without the hassle of extensive documentation is smooth and quick. Below is a step-by-step guide to help you to get 1000 loan on PAN card online:

Step 1: Download the App: Start by downloading the NoBroker InstaCash from the app store. Fill out the basic details to complete the biometric authentication. You will receive the OTP to complete the biometric authentication process.
Step 4: Provide Your Bank Statement: The application needs your bank statement to conduct a thorough assessment of your profile. This helps them understand your income and spending patterns.
Step 5: Add the Basic Details: You must also provide basic details such as employment information, proof of residence, and other information.
Step 6: Get the Loan: Wait for the platform to verify your documents and provide you an offer on the loan. If you are okay with the offer, review the terms of the loan. The loan amount is the transferred directly to your registered bank account. You can now access the funds and use them to meet your financial needs.

How to get ₹1000 Loan on PAN Card Online Without a Salary Slip?

Getting a ₹1000 loan without a salary slip is easy if you have a PAN card. Many lenders offer fast loans to self-employed individuals, students, or homemakers. Below is a step-by-step process to get a loan on a PAN card without salary slip:

Step 1: Download the app: You sart by downloading NoBroker Instacash. You need to create an account by providing your email ID and mobile number.
Step 2: Fill out the Application Form. Enter personal information such as your name, address, and PAN card number. You also need to provide any alternate proof of income. This include income certificate, bank statement, ITR, or any other.
Step 3: Carry out KYC: Next, you need to carry out Aadhar based identification via e-KYC. You need to enter the Aadhar number and mobile number. You need to get the OTP on your registered mobile number. After adding the OTP, your identification will be complete.
Step 4: Wait for Approval: The app will process your application and provide you the approved amount. If you are okay with the loan amount, continue with the application process.
Step 5: Get the Loan Amount: Go through the terms of the loan and sign it. After submission, the loan amount will be credited to your bank account within minutes.

How to Apply for ₹1000 Loan on a PAN Card?

To apply for a ₹1000 loan using your PAN card, the process is simple and quick. These small loans are designed for urgent financial needs and don’t require extensive documentation. Here’s how you can apply:

Step 1: Download and Register: Download the NoBroker InstaCash app from your phone's app store. Complete the basic registration process by entering your personal details.
Step 2: Digital Verification: Submit your PAN and Aadhaar details through the app for instant digital verification. NoBroker InstaCash utilizes secure e-KYC, so no physical documents are required.
Step 3: Select Loan Amount: Choose your preferred loan amount (up to ₹1,000).
Step 4: OTP Verification: Complete OTP verification for your mobile number and email ID to ensure secure communication during the process.
Step 5: Wait for Approval: The lender will carry out a profile check and provide you with a loan amount you are eligible.
Step 6: Review Loan Terms: Go through the loan terms and conditions, including the interest rates and fees. Once satisfied, accept the digital loan agreement.
Step 7: Choose Bank Account: Select your preferred bank account for disbursement and confirm the details of your loan application.
Step 8: Loan Disbursement: Once your loan is approved, the amount will be instantly disbursed to your registered bank account.
Step 9: Set Up Auto-Debit: To ensure timely EMI payments and maintain a good credit score, set up auto-debit instructions linked to your bank account.

Interest Rates and Fees of ₹1000 Loan on PAN Card

A ₹1000 loan against a PAN card may have varying interest rates, fees, and charges depending on the lender and specific terms. Below is an overview of the common charges associated with such loans:

Details	Information
Loan Amount	₹1,000
Tenure	3 months - 5 years
Interest Rate	9% - 44% per annum
Processing Fee	1% - 2% of loan amount
Overdue Charges	2% - 3% per month on overdue amount

Benefits of ₹1000 Loan on PAN Card

Having access to a ₹1000 loan on your PAN card can be a lifeline in emergencies. Below are several benefits associated with it:

1. Emergency Cash Availability

Small loans, like a ₹1000 loan on your PAN card, provide fast access to funds in emergencies. They are particularly useful for addressing urgent needs, such as medical expenses, household repairs, or unexpected travel, ensuring quick financial relief.

2. Hassle-Free Application

Securing a loan against your PAN card is easy and convenient. The application process is online and requires minimal documentation, saving time and effort. This makes it an excellent option for anyone needing quick financial assistance with little red tape.

3. Enhanced Creditworthiness

Timely repayment of a small loan, such as ₹1000, can have a positive impact on your credit score. Consistently managing small loans well can improve your credit history, increasing your chances of securing larger loans in the future with favourable terms.

4. Short-Term Financial Planning

Taking out a small loan encourages better financial discipline by helping you plan short-term expenses. Managing these loans responsibly can promote improved budgeting skills, leading to healthier financial habits and more structured financial planning in the future.

Top 5 Cash Loan Apps to Get 1000 Loan on PAN Card

Several apps offer fast and hassle-free services if you're looking for a quick cash loan of ₹1000 loan on a PAN card. These apps typically provide a simple process with minimal documentation, making it easy to access funds when needed. Here are the top 5 apps for a ₹1000 loan on a PAN card:

1. NoBroker InstaCash

NoBroker InstaCash offers personal loans up to ₹10 lakhs with interest rates starting at 12.99% per annum. It features quick disbursal, flexible EMI options, and a fully digital process with minimal documentation. The app allows you to pay interest only on the amount used, with transparent and secure transactions through partnerships with RBI-authorized NBFCs.

Quick Info of NoBroker InstaCash

Category	Details
Loan Amount Range	Up to ₹10 Lakh
Interest Rate	12.99% onwards
Processing Fee	2% to 8%
Disbursal Time	Instant
Rating	5/5
Pros	Credit line up to ₹10 Lakh, instant disbursal
Cons	Maximum limit ₹10 Lakh

2. MoneyTap

MoneyTap is India’s first app-based personal credit line platform, offering flexible loans up to ₹5 lakh. Launched in 2017, it allows users to transfer funds instantly to their bank account and repay over 3 to 36 months. The platform does not require collateral or guarantors and charges interest only on the amount used. The platform has partnerships with several banks and NBFCs provide competitive rates and a straightforward, transparent lending process.

Quick Info Table of MoneyTap

Category	Details
Loan Amount Range	₹3,000 - ₹5,00,000
Interest Rate	1.08% - 1.25% per month
Processing Fee	No processing fee
Disbursal Time	Instant
Rating	4.5/5
Pros	No collateral, flexible repayments, interest only on the used amount
Cons	Higher interest for lower credit scores

3. CASHe

CASHe is a digital lending platform offering instant personal loans and salary advances, with amounts up to ₹3 lakh. Launched in 2016, it features flexible repayment terms and quick loan approval. CASHe uses an innovative algorithm to assess creditworthiness through social behaviour on platforms such as LinkedIn, Facebook, or Google Plus. The platform mines through the mobile and social networks and requires you to fill in documentation to get a social quotient score. The app also provides loan tracking and reminders, ensuring a seamless experience.

Quick Info Table of CASHe

Category	Details
Loan Amount Range	₹45,000 to ₹3,00,000
Interest Rate	2.25% to 3.75% per month
Processing Fee	₹500 to ₹2,000, depending on the loan amount
Disbursal Time	Usually within minutes or a few hours
Rating	4.5/5 (based on user reviews)
Pros	Quick disbursal, minimal paperwork, no collateral, user-friendly app
Cons	Higher interest rates compared to traditional loans, penalty charges for late payments

4. KreditBee

Founded in 2016, KreditBee is a Bangalore-based digital lending platform offering personal loans up to ₹5 lakh with flexible repayment terms and competitive interest rates starting at 1.5% per month. The app provides a fully digital experience with instant approval and quick fund transfers. As an RBI-approved platform, it ensures secure transactions and leverages advanced technology for credit evaluation, offering tools for loan tracking, credit score checks, and financial planning.

Quick Info Table of KreditBee

Category	Details
Loan Amount Range	₹1,000 - ₹5 lakhs
Interest Rate	17% p.a. to 29.95% p.a.
Processing Fee	0% - 2%
Disbursal Time	Within 24 hours
Rating	4.6/5
Pros	Fast approval, minimal documentation, flexible tenure
Cons	Interest rates depend on creditworthiness

5. EarlySalary

Fibe, formerly known as EarlySalary, was co-founded by Akshay Mehrotra (CEO) and Ashish Goyal (CFO). It provides young professionals with quick access to credit through various financial products, including instant cash loans. The app has amassed over 30 million downloads, with the company disbursing loans totalling more than ₹26,000 crores.

Quick Info Table of EarlySalary

Category	Details
Loan Amount Range	₹10,000 to ₹5,00,000
Interest Rate	Starting from 0.99% per month
Processing Fee	₹500 onwards (varies with loan amount)
Disbursal Time	Within 10 minutes
Rating	4.4/5 (based on user reviews)
Pros	Fast approval, flexible repayment options, competitive interest rates
Cons	Charges applied for early repayment, higher processing fees for smaller loans

Purpose of 1000 Loan on PAN Card

A ₹1000 loan on your PAN card can serve multiple purposes, offering a quick and efficient solution to various financial needs. Here are some key reasons to consider:

Instant Transfer of Funds: Quick approval ensures the loan amount reaches you almost immediately, ideal for emergencies such as travel, repairs, or urgent financial needs.
Settle Credit Card Bills: Paying off your credit card with a loan helps avoid high-interest charges and maintains a low credit utilisation, positively affecting your credit score.
Fund Your Shopping Needs: A small loan lets you make essential or spontaneous purchases without waiting for payday, which is especially useful during sales or discount offers.
Cover Medical Expenses: A quick loan can ease the financial strain of unexpected medical bills, including consultation fees, medications, or hospitalisation costs, enabling better focus on recovery.
Handle Urgent Domestic Expenses: Small loans cover unexpected household expenses like appliance repairs, utility bills, or other urgent domestic needs, ensuring smooth operations without disrupting your budget.

Things to Keep in Mind While Getting a ₹1000 Loan on PAN Card

When applying for a ₹1000 loan on PAN card, it's essential to understand the key aspects involved in the process. Below is what to keep in mind:

Eligibility Criteria: Ensure you meet the lender’s requirements, including age, income, and credit score, to prevent loan rejection and ensure a smooth approval process.
Interest Rates and Fees: Compare interest rates and fees across lenders, as small differences can significantly impact your total repayment amount and the overall cost of the loan.
Loan Tenure: Choose a loan tenure that fits your repayment capacity. A shorter tenure may mean higher repayments but lower interest, while a longer tenure spreads the cost but increases total interest.
Documentation: Prepare essential documents like proof of income, address verification, and bank statements in advance to expedite your loan application and avoid delays.
Repayment Plan: Set up a realistic repayment plan to ensure timely repayments, avoid penalties, and build a positive credit history for future loan opportunities.
Lender Credibility: Research the lender's reputation to ensure they are licensed and trustworthy, avoiding the risks of fraud or hidden fees associated with unreliable financial institutions.

Get Instant Loan With NoBroker InstaCash

Securing a ₹1000 loan on PAN card is a quick and convenient solution for those needing instant financial support. With minimal documentation and a simple process, it can be an excellent option for short-term cash requirements. However, you must ensure you borrow responsibly and understand the loan terms before committing.

If you’re looking for a hassle-free and fast loan option, NoBroker InstaCash is here to help! InstaCash allows you to apply for quick loans against your PAN card without the complicated paperwork. It’s easy, secure, and convenient and you can get the necessary funds within minutes! Apply today on NoBroker InstaCash and experience a smooth, reliable borrowing process!

Frequently Asked Questions

Q1. Can I get a loan on my PAN card?

Ans. Yes, you can get a personal loan using your PAN card. However, lenders typically require additional documents like proof of income and address for verification.

Q2. How to get 1000 rupees immediately?

Ans. You can use the NoBroker Insta Cash App. Complete the digital KYC process and upload documents like Aadhaar and PAN card to receive funds quickly, often within minutes.

Q3. What is the interest rate of a PAN card loan?

Ans. Interest rates for PAN card loans generally range from 9.9% to 45% annually, depending on the lender and your credit profile.

Q4. Who is eligible for PAN card EMI?

Ans. Eligibility for PAN card EMI includes being an Indian citizen aged 21-65, having a stable income, and maintaining a good credit score.

Q5. How to get 1000 rupees urgently without salary?

Ans. You can access 1000 rupees through online lending platforms or personal loan apps, which offer funds with minimal documentation and rapid disbursal, even without a salary.

Q6. What is the limit of a PAN card loan?

Ans. The loan limit for a PAN card loan ranges from ₹10,000 to ₹50,000 or more, depending on the lender’s terms and your eligibility.

Q7. Can I get a loan with a 450 credit score?

Ans. Yes, some lenders may offer loans to individuals with a 450 credit score, though you’ll face higher interest rates and stricter terms.

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Ananth,Author

Who doesn’t love a stylish home? We know Ananth does! From a young age Ananth could never resist reading Architecture Digest, Good House Keeping, and so on. He did it because he was captivated by the beauty of the homes and the way they kept homes feeling like ‘home’ but yet glamorous. He is a wizard at keeping houses looking top-notch and he does it with the least effort. He writes to shares his tips and make loving your home easy.