How to take Loan from Aadhar Card? Know the Easiest Government Scheme of 2025!

Friends, have you ever thought that with the help of your Aadhar card, you can take a loan sitting at home? Yes, under some great schemes of the Government of India, you can easily take a loan without getting into the trap of any businessman or neighbor.

That too without the tension of heavy interest and demand! Today I am going to tell you step-by-step about How to take Loan from Aadhar Card, that too in such an easy way that you understand everything. So let’s start without delay!

Which government loans can be availed through Aadhar card?

There are some special schemes of the Government of India, which give loans to small workers, street vendors, and poor families. Here I am telling you about four major schemes:

PM SVANidhi (Pradhan Mantri Swanidhi Yojana):

How much loan?: ₹10,000 in the first phase, ₹20,000 in the second, and ₹50,000 in the third. Total up to ₹80,000!

For whom?: Street vendors like reedi-patri walas, small shopkeepers, etc.

Special feature: Very low interest and easy EMI.

PM Vishwakarma Yojana:

How much loan?: Up to ₹3 lakh.

For whom?: Artisans, small business people, like blacksmiths, potters, etc.

Special feature: Loan with training, so that your business shines more.

PM Mudra Loan Yojana:

How much loan?: Up to ₹10 lakh (announcement of ₹20 lakh may be implemented soon).

For whom?: For those starting small and medium businesses.

Special feature: Loan without guarantee, only Aadhaar and some documents are required.

PMEGP (Pradhan Mantri Employment Generation Program):

How much loan?: Up to ₹25 lakh for individuals, and up to ₹50 lakh for self-help groups.

For whom?: For those starting big businesses.

Special feature: Loan with government subsidy.

The easiest and smallest loan among these is PM SVANidhi, which you can apply immediately with Aadhaar card. So let’s understand it step-by-step.

How to take Loan from Aadhar Card from PM SVANidhi?

Friends, PM SVANidhi scheme is made for street vendors. If you set up a hawker’s cart, run a small shop, or do some small work, then this is for you. Here is the complete process of applying:

Step 1: Prepare the necessary documents

You need these things to take a loan:

• Aadhaar card: Your main document.
• Voter ID: If available, keep it with you.
• Vending ID card: This is available from the local body (ULB) of your city. If not, get it made for free.
• Bank details: Bank account number, IFSC code, and copy of passbook.
• Photocopy: Copy of Aadhaar, Voter ID, and Vending Card.

Tip: If you don’t have a Vending ID, get it made at your nearest Nagar Palika or ULB office. It’s completely free!

Step 2: Visit the official portal

Open Google on your mobile or computer and type: PM SVANidhi.

Go to the official website (more information on YouTube). There you will find the option to Apply Online.

If you want, you can also go directly to the CSC (Common Service Center), where they will fill the form for you.

Step 3: Download the form

There will be an option to Download Form on the website. Download it.

Fill in the form with these details:

• Personal details: Name, father/husband’s name, date of birth, mobile number, gender, social category (SC/ST/OBC/General), etc.
• Aadhaar number: Fill in the correct details as it will be used for e-KYC.
• Vending details: What kind of work you do (like a hawker, shop), where you do it, and how much sales you make.
• Bank details: Account number, IFSC code, and branch name.
• Reference: Names and mobile numbers of two people (like wife, brother, or friend).
• Benefits of other schemes: If you have taken advantage of Ayushman, Ujjwala, or other schemes, then tick. If not, then choose “None of the Above”.

Fill the form properly with a pen. Do not make any mistake, otherwise it may get rejected.

Step 4: Submit the form

Go to the nearest bank or CSC center with the filled form, Aadhar card, voter ID, vending card, and a copy of the bank passbook.

Submit it there and take the receipt.

Step 5: Verification and loan approval

7-10 days after submitting the form, you will get a call for verification.

If everything goes well, the loan amount will be transferred to your bank account within 15-28 days.

Pro tip: While filling the form, fill all the information correctly and completely. 90% of the forms are rejected due to wrong details.

What are the benefits of PM SVANidhi?

• Low interest: The interest is very low compared to private moneylenders.
• Easy EMI: Pay the money in small installments.
• No demand: The government respects you, no one will come to your house for demand.
• Business growth: With this loan, you can expand your cart, shop, or work.

Example: Suppose you run a cart. With a loan of ₹10,000, you can buy new goods, which will increase your income. Then in the next step, you can improve the shop by taking ₹20,000!

What else to keep in mind?

• e-KYC is a must: Your Aadhaar card should be linked to your bank account and mobile number. If not, then get it linked first.
• Local reference: It is important to give the name and number of two people. These can be your family or friends.
• Correct address: Enter two addresses in the form – current address (where you live) and Aadhaar address (which is on the Aadhaar card).
• Regular updates: For information on government schemes, visit Unifite.in, where you get information about the latest tech and government schemes.

Now it’s your turn!

Friends, now that you know how to take loan from Aadhar Card, what are you waiting for? Prepare your documents today, download the form, and apply for the loan. This loan will not only fulfill your needs, but will also take your small business to new heights.

If you have any questions or are facing difficulty in filling the form, then comment below. I will help you completely. And yes, keep following our site for such useful information. Jai Hind, Jai Bharat!