May 2022


Can I Get a Personal Loan Without PAN Card?

PAN Card is a necessary document in various financial dealings. This covers your market investments as well as the acquisition of any financial instrument such as FDs. Moreover, every transaction beyond Rs. 50,000, especially when purchasing pricey jewellery or a vehicle, needs you to provide your PAN data. Similarly, opening a bank account or applying for a loan offer may not materialize without a PAN.

However, not all loan applicants have their PAN cards with them. Thus, is it feasible to obtain a personal loan without a PAN card? The answer to the above question is yes. However, the process is a little lengthy and is discussed in detail below, so keep reading.

How to Get a Loan Without Pan Card?

According to government regulations, it is difficult for financial institutions to lend to applicants who do not have a PAN number. Furthermore, the Aadhar card must be linked to your bank account and PAN for instant loan approval. This facilitates the government agencies to keep track of your financial transactions and prevent financial fraud. However, some lenders extend loans without a PAN card to eligible candidates.

In case you do not have a PAN card, submit the alternative documents listed below to get a loan.

  • If PAN is not available, then Form 60 is mandatory.
  • Photo identity proof: Passport, driving license, Aadhaar card number, Voter’s Identity Card, NREGA job card
  • Address Proof: Passport, driving license, Aadhaar card, Voter’s Identity Card, NREGA job card
  • Deemed Official Valid Document: Any service provider’s utility bill that is less than two months old (electricity, water bill, telephone, piped gas, post-paid mobile phone), Municipal tax receipt, pension payment orders (PPOs) etc.
  • Income proof: Latest salary slip, Recent Audited Financials, Bank details of last three months salary credited.
  • Business Proof: Qualification Certificate or Certificate of Practice(COP), Shop Act License, GST registration, Partnership Deed, etc.

In addition to the above documents, it is vital to have a high credit score of 750 or above for getting a loan. A high score gives confidence to the lender about your financial prudence and intent to repay. In addition, the bank details provided help banks determine your present and past financial condition and your repayment capacity. All of the records mentioned above must be sent to the bank together with the fully completed loan application form. Banks may issue you a personal loan without a PAN card once your paperwork has been examined and your eligibility has been determined.

One of the most common reasons for a personal loan application being rejected is the applicant’s lack of eligibility due to inadequate documents. However, before applying for a loan, you should examine your loan eligibility as well as the paperwork required to obtain a loan. If you do not have all of your paperwork in order, you should contact your bank and inquire about the alternative credentials you may submit to secure the loan. For example, people who do not have a PAN card might use the above criteria to obtain a personal loan.

read more

The Best CBD Products on the Market

Cannabidiol (CBD) is a compound chemical in the Cannabis sativa plant. CBD is also called hemp or cannabis. In 2017, the World Health Organisation (WHO) produced a report that found CBD provides relief for a wide variety of medical conditions such as cancer, Parkinson’s, Alzheimer’s disease, and multiple sclerosis. The report also stated CBD helped alleviate the effects of general pain disorder, depression, and anxiety. Since legalisation, many people over the mandated age limit can now buy CBD in a wide variety of products.

Gummies and Edibles

Many consumers do not like to smoke or cannot smoke during certain social events. CBD-infused gummies and edibles make it possible to enjoy the effects of CBD without the smoke. CBD is absorbed through the digestive system. Consumers report that edibles provide longer lasting effects than other products on the market.

Oils and Tinctures

CBD oils and tinctures are generally made from high concentrations of CBD. Consumers drop a few drops underneath their tongue. The cannabinoid receptors absorb the tincture or oil and can help alleviate migraines, stress, anxiety, or other physical issues. Many people choose oils and tinctures over other products because they have a long shelf life. You should store CBD oils and tinctures at room temperature and out of direct sunlight.


In recent years, vapourisers have increasingly grown in popularity in the UK. Many people are quitting smoking cigarettes and switching to vapes. Vapes are refillable and the vapour juice is relatively inexpensive in comparison to smoking multiple packs of cigarettes. Like nicotine-based e-liquid, consumers can now purchase CBD e-liquid in various concentrations. CBD e-liquid can be used in most vapour devices and provide the same alleviating effects from pain and daily stressors as other products on the market.


CBD-infused lotions, salves, and other topicals are applied directly to your skin. When CBD is applied to your skin, it activates your endocannabinoid system because there is a high concentration of cannabinoid receptors in your skin. The CBD binds to these receptors which works to alleviate inflammation and pain. For those suffering from long-term joint pain, they find it is easy to rub lotion on the inflicted areas to target the pain rather than use other forms of CBD products.


For those who like to smoke, CBD flowers are a great option. CBD flowers can be rolled in paper or put in a glass device. CBD flowers are highly concentrated and often provide a greater relaxing or calming sensation.

read more