how to take loan without pan card

It is possible to get a loan without a PAN card, especially for small-ticket personal loans, by using alternative official documents for KYC. While a PAN is generally mandatory for financial transactions of ₹50,000 or more, certain lenders will accept substitutes. To apply for a loan without a PAN card, you typically need to:

• Identify lenders or loan apps that accept alternate documents.
• Provide valid ID proof like an Aadhaar card, Voter ID, Passport, or Driving License.
• Submit proof of income, such as recent salary slips or bank statements.

A strong credit score is crucial for increasing your chances of approval.