Being salaried does not always mean you can fight sudden financial emergencies.

Unpredicted financial needs like medical expenses, home or vehicle repairs, or last-minute travel plans can make your life difficult. Having cash at your disposal can help you effortlessly deal with these situations.

However, visiting a bank and going through the long loan approval process will not help during a financial crisis. This is where the instant Rs. 20000 loan on an Aadhar card helps. 

Convenient Process

100% Digital and No Paperwork

Apply on the Go

PAN India Serviceable

Lightning Fast

Disbursal Within 2 Hours

Secure Transactions

Global Standards of High-level Data Encryption

Overview of the Aadhar Card Loan

The 20000 loan on an Aadhar card has been made possible because of the mandatory linking of the Aadhar card to your bank account. This helps people to get Rs.20000 personal loans immediately without visiting the bank or submitting multiple documents. You can use your unique Aadhar number and get much-needed emergency funds from online loan apps. 

Rs. 20000 Instant Loan Using your Aadhar -Understanding the Process

The availability of online loan apps has made the process of getting an instant Rs. 20000 loan easy. Let us understand the various components of the Aadhar card loan app:

List of Documents for the Rs. 20000 Personal Loan

Getting a Rs. 20000 loan on an Aadhar card is streamlined, and can be done without stepping out of your home. The Aadhar card loan does away with physical documentation. You need to scan and upload the following documents:

  • Know Your Customer (KYC) Documents – Aadhar Card and PAN Card
  • 3 Months’ Bank statement with your salary being reflected clearly
  • National Automated Clearing House (NACH) forms or e-NACH forms

Eligibility for the Aadhar Card Loan

You need to be a salaried Indian citizen between 21 and 45 years of age with a valid Aadhar card and a consistent salary of a minimum of Rs. 12,000 to avail of the instant Rs. 20000 loan on an Aadhar card.

Interest Rates of the Aadhar Card Loan

The customers are given the liberty to withdraw any amount from the total approved loan amount. Interest is charged only on the amount withdrawn and in the event of you availing the EMI facility to repay your loan.

The various charges for your Rs. 20000 loan on Aadhar card are as follows:

DetailInstaMoney Charges
Interest Rate1.84%- 3.43% per month
Assessment FeeRs. 199 if you are found to be eligible for loan approval & Rs. 199 is charged every time you reapply for a loan
Processing Fee5% of the loan amount +GST

The processing fee and gap interest (if any) are deducted from the loan amount before disbursal. However, the customer needs to pay the registration fee for the loan to be disbursed.

Steps to Apply for Rs. 20000 Loan on Aadhar Card

If you are someone who is still wondering “I need a 20000 rupees loan urgently” just follow these steps to get your hands on a Rs. 20000 personal loan from the InstaMoney online Aadhar card loan app.

To apply for the Rs. 20000 loan on an Aadhar card, you have to download the online loan app- InstaMoney from the Play Store onto your phone.

  1. Log in to the app with your Gmail or Facebook or your mobile number. Once this is done, just enter a few personal and financial details. You will get to know the maximum loan amount you are eligible for based on these details.
  2. If you have decided to avail of the loan from the InstaMoney Aadhar card loan app, proceed with the signup. Once your eligibility for the requested loan amount is confirmed you will be asked to pay Rs. 199 towards the processing fee.
  3. Proceed to upload the required documents such as KYC, bank statements, NACH forms, and application forms.
  4. If done right, the loan amount requested by you will be approved and disbursed to your bank account within 2 hours.

To understand more about the tenure and interest that you need to pay on the loan, use the online EMI calculator that is present in the app. In general, loan tenure can be anywhere between 3 and 5 months.

Benefits of the Emergency Loan Rs. 20000

The instant Rs. 20000 loan is a convenient way to manage your emergency financial needs. The Aadhar Card Loan has a few more added benefits:

  • Swift approval and loan disbursal within 2 hours
  • No collateral is needed. You apply only with your Aadhar card.
  • Easy to use mobile application. You can apply for loans on the go.
  • Completely digital process with no paperwork.
  • World-class data encryption techniques prevent misuse of your details.

Loan on Pan Card

Availing a loan using the PAN Card is as easy as getting a loan using the Aadhar card. A PAN card is linked to every bank account and loan you have availed. The lender checks your eligibility and repayment capacity for the personal loan easily when you use the PAN card as a verification document.   

Final Thoughts

Unexpected financial emergencies might leave you surprised and scurrying to seek quick and guaranteed financial assistance. Don’t let these financial emergencies deter your plans or make you feel helpless.  Make the best of the Rs. 20000 personal loan offer on your Aadhar Card. Applying for this instant Rs. 20000 loan through the Aadhar card loan app is a convenient and hassle-free way of tackling your immediate financial needs.

Take advantage of the Aadhar card loan option and get your loan disbursed directly to your bank account within a couple of hours. What are you waiting for? Download and sign up with the best personal online loan app – Insta Money, and you are just steps away from getting a Rs.20000 loan on an Aadhar card. With over Rs. 1200 crores disbursed as loans to date and counting InstaMoney is your go-to loan partner.


1. How can I be sure that I am availing loan from a licensed online loan app?

You need to avail of loans from online loan apps regulated by the Reserve Bank of India (RBI). InstaMoney is registered as a peer to a Non-Banking Financial Company under RBI.

2. Is it possible for me to avail Rs. 20000 loan without documents?

No, it would not be possible for you to avail of a Rs. 20000 loan without documents as online loan lending apps base your eligibility and gauge your loan repaying capacity based on the important documents such as the PAN and Aadhar card you upload. Since personal loans are unsecured (without collateral), these documents are a must as proof.

3. How can I ensure that the loan I have requested will be approved by the online Aadhar card loan app?

There are chances that the online Aadhar card loan app might reject your loan application if you don’t provide adequate or appropriate documents or if your credit score is too low. 

Instant Loan for
Instant Needs