Aadhar Capital

Personal Loans ₹50K to ₹20 Lakh For Your Needs

Explore loan options from ₹50,000 to ₹20 Lakh+, with clear terms, applicable charges and repayment details. Final loan amount, interest rate and approval are subject to eligibility and credit assessment.

Quick Process Secure Application
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4 simple steps · 100% Digital · No Branch Visit

1
Name
2
Contact
3
Loan
4
Docs
👤 Personal Info

Enter your name & mobile number

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📧 Contact Details

Tell us how to reach you

💰 Loan Details

Enter your loan requirements

Estimated Monthly EMI (at 8.5% p.a.)
₹0 / month
Total Interest ₹0
Total Payment ₹0

*Indicative. Actual terms may vary based on eligibility.

📄 Documents & Bank

Aadhaar, PAN & Bank details for disbursal

📋 Application Summary
RBI registered NBFC

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Approval

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Process

i Important Loan Disclosure
Loan Amount: ₹50,000 – ₹20,00,000 Interest Rate: 7.99% – 18% p.a. Maximum APR: Up to 18% p.a. Repayment Tenure: 6 – 120 months

Loan approval is subject to eligibility, KYC verification, document verification and credit assessment. The final interest rate, APR, processing fees, applicable taxes, EMI and total repayment amount will be disclosed in the applicable Key Fact Statement (KFS), sanction letter and loan agreement before loan acceptance.

TERMS & CONDITIONS APPLY
Aadhar Capital

Personal Loan Disclosure

Simple, transparent and clearly disclosed personal loan information before you apply.

₹50K – ₹20L 7.99% – 18% p.a. 6 – 120 Months
Important Personal Loan Information

Loan Terms, APR & Total Cost

Aadhar Capital personal loans are subject to eligibility, KYC verification, document verification, credit assessment and applicable lending policies. Submission of an application does not guarantee approval or disbursal.

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Minimum Repayment Period
6 Months

Minimum approved repayment tenure.

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Maximum Repayment Period
120 Months

Final tenure depends on approved loan terms.

%
Maximum APR
Up to 18%

Per annum. Shown separately from the representative example.

₹
Loan Amount
₹50K – ₹20L

Subject to eligibility and credit assessment.

Interest Rate
7.99% – 18% p.a.

Actual rate depends on applicant profile and assessment.

Repayment Tenure
6 – 120 Months

Subject to approved loan terms.

Maximum APR
Up to 18% p.a.

Actual APR and applicable charges must be confirmed in the KFS.

Representative Example

Example: ₹1,00,000 Personal Loan

The following representative example is provided to show the estimated cost of borrowing. Actual loan terms, fees, taxes, EMI and total repayment may vary based on eligibility and approved terms.

ILLUSTRATIVE LOAN SCENARIO
₹1,00,000
Example personal loan amount
TENURE
24 Months
EXAMPLE RATE
18% p.a.

Estimated Total Cost

Principal Loan Amount ₹1,00,000
Example Interest Rate 18% p.a.
Estimated EMI Approx. ₹4,707
Estimated Interest over 24 Months Approx. ₹12,968
Processing Fee Up to 2% + GST
Illustrative Processing Fee on ₹1 Lakh* ₹2,360
ESTIMATED SCHEDULED REPAYMENTS
₹1,12,968
+ illustrative processing fee of ₹2,360
Estimated total cost: ₹1,15,328*
Important Example Disclosure

*The ₹2,360 processing fee assumes a 2% processing fee plus 18% GST for illustration. Applicable charges and taxes will be disclosed in the applicable KFS, sanction letter and loan agreement before acceptance.

This is an illustrative representative example and is not a guarantee of the loan amount, interest rate, EMI, fees or approval. Actual figures may vary according to applicant eligibility, credit assessment and approved loan terms.

Complete Charges Disclosure

Fees & Charges

Applicable charges are disclosed below. Exact charges applicable to an approved loan will be stated in the applicable KFS and loan agreement.

Fee / Charge Applicable Charges Applicability / Details
Processing Fee Up to 2% + applicable GST One-time charge, where applicable
Documentation Charges Up to ₹500 + applicable taxes Where applicable
Stamp Duty / Agreement Charges As applicable under state law Government / statutory charges
EMI Bounce / Dishonour Charge ₹590 + applicable taxes For dishonour / failed repayment
Mandate Rejection Charge ₹250 per instance For mandate rejection
Late Payment / Penal Charges 2% p.m. on overdue EMI + taxes Applicable on overdue amount
Part-Prepayment Charge Up to 5% of prepaid amount + taxes If part-prepayment facility is available
Foreclosure / Full Prepayment Up to 5% of principal outstanding + taxes For early full closure
Repayment Mandate / Instrument Swap ₹500 + applicable taxes Per approved swap request
Duplicate NOC / Document Copy Up to ₹250 + applicable taxes Where duplicate physical copies are requested
Legal / Recovery Charges Actual applicable costs Where recovery / legal action is required
Loan Cancellation Charge Nil during applicable cancellation period Cancellation terms will be provided before acceptance
Statement / Repayment Schedule Nil Where no charge is applicable
Annual Maintenance Charge Nil No annual maintenance fee
Fee Disclosure

The charges displayed above are applicable only if they form part of the actual Schedule of Charges and Key Fact Statement (KFS) for the Aadhar Capital loan product. Applicable taxes will be charged wherever required by law. No fee or charge will be collected from the borrower unless it is disclosed in the applicable loan documentation.

Eligibility & Approval

Understand Your Eligibility

Personal loan approval is subject to eligibility, KYC verification, document verification, credit assessment, income and repayment-capacity assessment and applicable lending policies.

Approval, loan amount, interest rate and disbursal are not guaranteed.
Documentation

Documents Generally Required

✓ PAN Card
✓ Aadhaar / Valid KYC
✓ Income Proof
✓ Bank Statement
✓ Employment / Business Details
✓ Additional Documents if Required
Simple Process

Apply in 4 Steps

Understand the application process, document requirements, verification and loan decision.

01

Submit Application

Provide accurate personal, employment and financial information.

02

Upload Documents

Submit KYC and other documents requested during the application.

03

Verification & Assessment

Eligibility, identity, income and repayment capacity are assessed.

04

Approval & Disbursal

If approved, final terms are provided before acceptance and funds are disbursed.

IMPORTANT BUSINESS INFORMATION

Aadhar Capital

Review the business and customer support information below. Verify the legal entity and contact details against the applicable official documents before publishing.

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Legal / Business Entity
AADHAAR GROUP LIMITED
⌖
Physical Business Address
76, DEFENCE COLONY, HISAR, Haryana 125001 India
☎
Customer Support
088938 80194
support@aadharcapital.com
Loan Provider
AADHAAR GROUP LIMITED
Transparent Loan Information

Understand the Cost Before You Borrow

The interest rate, APR, processing fee, applicable taxes, repayment period, EMI, penalties and other applicable charges may vary based on the applicant's profile, credit assessment and approved loan terms.

Before accepting a loan, applicants should review the applicable Key Fact Statement (KFS), sanction letter and loan agreement carefully. These documents contain the final terms and total repayment obligations.

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Clear Loan Terms

Review applicable rates, fees, repayment terms and total cost before accepting an offer.

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Applicable Charges

Final fees, taxes, EMI and other obligations are subject to applicable loan documentation.

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Informed Decisions

Read the KFS, sanction letter and loan agreement before accepting the applicable terms.

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Final Disclosure

Submission of a personal loan application does not guarantee approval. Final loan amount, interest rate, APR, repayment tenure, processing fee, applicable taxes, other charges, EMI and total repayment amount are determined after applicable verification and credit assessment.

All applicable final terms will be communicated to the applicant before loan acceptance through the applicable KFS, sanction letter and loan agreement.

Last Updated
[DD/MM/YYYY]
TERMS & CONDITIONS APPLY
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🤝 OUR SERVICES

Aadhar Capital Finance – Reliable Loan Solutions to Meet Your Needs Whether you need funds

Whether you need funds for personal expenses, capital to expand your business, or financial support for future goals, Aadhar Capital Finance is here to help. Our wide range of loan products — including personal loans, home loans, business loans, and vehicle loans — is designed to suit different financial needs. With flexible repayment options, competitive interest rates, and a transparent process, we make your financial journey clearer, smoother, and more reliable.

Personal Loan

Personal Loans

Flexible loans for weddings, travel, medical, and other personal needs with quick approval.

Business Loan

Business Loans

Power your business growth with customized financing solutions for every stage.

Home Loan

Home Loans

Turn your dream home into reality with affordable interest rates and flexible EMI options.

Mortgage Loan

Mortgage Loans

Leverage your property value with secure mortgage loans at competitive rates.

Education Loan

Education Loans

Cover tuition, living costs, or study abroad with flexible student loan options.

Car Loan

Car Loans

Buy your dream car with easy EMIs and easy loan approvals.

Two-Wheeler Loan

Two-Wheeler Loans

Quick financing for bikes & scooters with minimal documentation.

Gold Loan

Gold Loans

Get Quick cash against your gold jewellery at low interest rates.

Small Business Loan

Small Business Loans

Special support for startups and MSMEs with easy repayment options.

Emergency Loan

Emergency Loans

Quick financial aid for medical, travel, or unexpected expenses.

Agricultural Loan

Agricultural Loans

Low-interest credit for farmers to buy seeds, machinery, and boost yields.

Loan Against Property

Loan Against Property

Get high-value loans by pledging your property with long tenures.

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🤝 WHO WE ARE

Aadhar Capital Finance – Your Smart Financial Partner

At Aadhar Capital, based in Mumbai and serving clients since 1998, we believe everyone deserves access to simple, safe, and transparent financial solutions. With our wide range of loan products, expert guidance, and customer-first approach, we support individuals and businesses in achieving their financial goals with confidence. Whether it’s funding personal dreams or expanding a business, we are here to provide solutions that are reliable, clear, and affordable.

  • Trusted Expertise
  • Personalized Guidance
  • Wide Range of Services
  • Customer-Centric Approach
  • Quick & Hassle-Free Process
  • Commitment to Growth
Apply Now

How much do you need?

₹10,000 ₹50,00,000
1 Month 120 Months

Pay Monthly (EMI) ₹

Total Pay Back ₹

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🤝 WHY CHOOSE

Aadhar Capital Finance Transparent Solutions, Trusted Guidance

At Aadhar Capital Finance, we provide more than just loans—we deliver clear, reliable, and transparent financial solutions. With straightforward approvals, minimal documentation, and a customer-first approach, we support you in achieving your financial goals with confidence and peace of mind.

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Simple & Transparent

Enjoy quick approvals, minimal documentation, and complete clarity at every step.

Affordable & Reliable

Get access to fair interest rates and dependable financial solutions you can trust.

Customer-First Approach

Our priority is your success—we support your goals with guidance and care.

  • 27
    01

    Years of trusted expertise

  • 2520+
    02

    Loans approved

  • 22400+
    03

    Satisfied clients

Personal Loan Disclosure Overview

Detailed terms, APR range, and repayment examples for transparency and compliance.

Minimum APR

7.99%

Maximum APR

18%

Repayment Tenure

Minimum: 12 Months

Maximum: 240 Months (20 Years)

Representative Example

  • Loan: ₹1,00,000
  • Interest: 7.99% p.a.
  • Tenure: 24 months
  • EMI: ₹4,523/month
  • Total Repayment: ₹1,08,552

Interest Rates:
Personal loan interest rates start from 7.99% per annum depending on the applicant’s credit profile, income stability, and lender policies. The final APR is shared after full application review.

Eligibility:
Approval is subject to:

  • KYC completion (PAN, Aadhaar, etc.)
  • Stable income and employment proof
  • Acceptable credit score and history

Annual Percentage Rate (APR):
For loans disbursed between 01 Jan 2024 to 31 Dec 2025, the APR ranges from 7.99% to 18%. This includes interest, processing charges, and any applicable fees under regulatory guidelines.

Repayment Tenure:
Flexible repayment tenures help reduce EMI burden. Tenures can range from 12 months to 240 months depending on the loan product selected.

Loan terms, final APR, and approval are subject to the lending institution’s assessment. All applicants are advised to review the offer document carefully before proceeding.

Terms and Conditions apply.

Eligibility Criteria

To apply for a loan with Aadhar Capital Finance, you just need to fulfill a few simple requirements. We keep the process clear, transparent, and hassle-free for everyone.

Age Criteria

  • ✔️ Minimum 21 years
  • ✔️ Maximum 60 years
  • ✔️ Valid ID proof required

Income Criteria

  • ✔️ Salaried: ₹15,000+ monthly
  • ✔️ Self-Employed: ₹2.5L+ annually
  • ✔️ Income proof documents

Employment Stability

  • ✔️ Salaried: 2 yrs experience
  • ✔️ Min. 1 year in current job
  • ✔️ Business: 3 yrs operation
Loan Image


Your Trusted Partner in Financial Assistance

Minimum Loan Amount: Rs 50,000

Minimum Interest Rate: 7.99% Per Month

Minimum Repayment Tenure: Up to 12 Months

Maximum Repayment Tenure: Up to 10 Years (120 Months)

Minimum Loan Amount: Up To Rs 50,000

Maximum Loan Amount: Up To Rs 20,00,000

Processing Fees: 2% Of The Loan Amount

EMI Bounce Charge: Rs 590/- Bounce Charge#D8E28C

No Pre-Closure Charges

Annual Interest Rate: Approx. 7.99 To 18%

Why Choose Aadhar Capital Finance?

Flexible terms and reliable service

Documents Required

To apply at Aadhar Capital, applicants are required to submit specific documents for verification. For better clarity, these documents are grouped into three main categories.

Identity Proof

  • ✔️ Aadhaar Card
  • ✔️ PAN Card
  • ✔️ Passport
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Address Proof

  • ✔️ Electricity Bill
  • ✔️ Ration Card
  • ✔️ Driving License
Apply Now

Additional Documents

  • ✔️ Passport-Size Photographs
  • ✔️ Age Proof Certificate
  • ✔️ Educational Certificates
Apply Now
🤝 OUR PROCESS

4 Easy Steps to Apply for a Loan at Aadhar Capital Finance

Fill the form → Upload documents → Verification → Loan approval & credit

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Application

Start by filling a simple online form with your basic details.

Documentation

Upload KYC and income documents as per requirements.

Approval

Our team reviews and verifies the submitted information.

Disbursal

After approval, the loan amount is released to your account.

🤝 Aadhar Capital

EMI Calculator

The Aadhar Capital EMI Calculator allows you to estimate your monthly repayments before applying. By entering your loan amount, interest rate, and tenure, you can view an approximate repayment schedule. This tool is designed to help you understand your obligations clearly and choose a repayment plan that aligns with your budget.

Personal Loan Disclosure – Aadhar Capital

Interest Rate:
Annual interest starts at 7.99% p.a. and can go up to 18% p.a. based on credit profile.

Eligibility:
Loan approval requires full KYC and income validation.

APR Details:
Valid from 01 Jan 2024 – 31 Dec 2025
➤ Min APR: 7.99%
➤ Max APR: 18%
Includes interest, processing fee, and standard loan costs.

Repayment Terms:
Tenure: 12 to 120 months
*T&C Apply

Representative Example:
₹1,00,000 loan at 7.99% p.a. for 24 months:
EMI ≈ ₹4,543/month
Interest ≈ ₹8,242
Total Repayment ≈ ₹1,08,242

Why Choose Aadhar Capital?

  • ✅ Loan Range: ₹50,000 – ₹20,00,000
  • ✅ Interest Range: 7.99% – 18% p.a.
  • ✅ Tenure: 12 months to 10 years
  • ✅ Processing Fee: 2% of loan
  • ✅ EMI Bounce: ₹590 per bounce
  • ✅ No Pre-Closure Charges
  • ✅ Transparent APR Disclosures
  • ✅ 100% Digital & Paperless
  • ✅ Trusted NBFC since 2017 (Navi Mumbai)

EMI Calculator

Monthly EMI: ₹0

Total Interest

₹0

Total Repayment

₹0

Your Finance Partner For Every Need Get Started Now!

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Grievance Redressal

Aadhar Capital is a financial services platform operated by AADHAAR GROUP LIMITED, a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI), bearing Corporate Identity Number (CIN): U74999HR2012PLC046356.

We strictly follow RBI regulations and uphold ethical lending practices to protect and empower our customers. In accordance with RBI directives, we have established a dedicated Grievance Redressal Mechanism that ensures fair, transparent, and time-bound resolution of complaints.

If you have any issues, we encourage you to reach out. Our team is committed to addressing all concerns promptly, typically within 5 working days, as per RBI norms.

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