How to loan Via Aadhar Card , Instant loan Via Aadhar Card
ઘરે બેઠા આધાર કાર્ડની મદદથી જ મળી જશે પર્સનલ લૉન! જાણો કઈ રીતે કરશો ઍપ્લાય
How to loan Via Aadhar Card , Instant loan Via Aadhar Card
The Indian government introduced the Aadhaar Card in 2010 to help individuals enjoy a few services in the public and private sectors. Aadhaar number is a unique 12-character number provided by the government to all citizens of India by collecting their iris scanners and fingerprints.
The Aadhaar card not only serves as proof of citizenship but
also helps people to obtain loans, open bank accounts, purchase SIM cards,
obtain a Permanent Account Number (PAN) card, apply for a passport, and apply
for Income Tax Returns. .
The main in
objectives of the Aadhaar card are listed below:
The Impact of Aadhaar Card on Personal Loans:
People wishing to access any financial services should
submit their Know Your Customer (KYC) documents. The government has made it
mandatory for financial institutions and banks to collect customer KYC details
to prevent money laundering. Previously, more documents were needed in KYC,
however, it is much easier these days for KYC to be completed. Banks have also
started e-KYC, where the entire KYC process is digitized. Since Aadhaar
contains individual biometric data, validation is a simple and quick process.
Fees and Charges Fees
The Interest Rate starts at 1.33% per month
Loan Processing Costs vary from 2% to 8% of the approved
loan amount. The processing fee is deducted in advance from the approved loan.
Interest on overdue EMIs is 2% per month on the amount of
overdue EMI / loans.
Check Bounce Rs.500 / - each time.
Loan Cancellation
No additional / hidden costs are charged.
Processing fees will also be retained.
Personal loans are available to individuals especially for
emergency purposes. Therefore, they will need a process to ensure that it is
fast and the loan amount reaches their bank account in advance. The main
purpose of the Aadhaar card is to make the process faster. KYC verification is
digitally and obtaining personal loans has become much easier. Personal
information is available on the Aadhaar website, therefore, the time taken to
approve a loan is limited.
Although it is not mandatory for individuals to give away
their Aadhaar card, it is very easy to borrow money using one. The process is
simple for bank employees to complete verification if Aadhaar details are
provided by the borrower. There is also a paperless mode where text can be sent
online known as e-KYC. In the case of e-KYC, no portable documentation is
required for each individual. There are various banks that offer instant loans
when the borrower uploads a scanned copy of the Aadhaar card.
આ લિંકથી આધારકાર્ડ થી લૉન કઈ રીતે લઈ શકાય જાણો અહીં
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