ओवरड्राफ्ट लोन क्या है? विशेषताएँ, लाभ और ब्याज दरें
Apr 23, 2026 | 4 mins read
If you're looking for a reliable and simple way to access funds, a 3 Lakh loan on Aadhaar card can be a helpful financial solution. Whether it’s for a medical emergency, education, travel, or any personal need, this loan offers quick access to money without the need for heavy paperwork or physical visits to the bank. You can easily get 3 Lakh loan with Aadhaar card online and manage your financial needs with flexible tenure options and transparent charges.
A ₹ 3 Lakh loan on Aadhaar card is calculated based on your monthly income, credit score, and repayment capacity. With minimal documentation, including your Aadhaar and PAN card, you can apply digitally. L&T Finance uses factors like your income profile and existing liabilities to determine the eligible amount and tenure. The EMI is calculated using the loan amount, interest rate, and chosen repayment period.
| Document Type | Required Document & Checks |
|---|---|
| Identity Proof | Passport | PAN Card | Driver License | Voter ID | Aadhaar Card |
| Address Proof | Utility bill of any service provider not more than 2 months old (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill) | Passport | Voter ID Card | Driving License |
| Income Proof | Income proofs vary for different professionals across salaried and self employed. |
Please find the easy detailed list of required documents here
| Type | Document |
|---|---|
| Salaried | Last 3 month's salary slips / Form 16 / Last 3 month's bank statement reflecting salary credits / Salary Certificate |
| Self Employed | Latest Income Tax Return (ITR) |
| Bank Statement | Last 3 month's statement is mandatory |
| Residence Ownership Proof | Not mandatory |
| Type | Criteria |
|---|---|
| Residency | Indian resident |
| Age requirement | 21 to 58 years |
| Profession | Salaried or self-employed individuals |
List of all fees and charges for Personal Loan
| Type | Interest Rate and Charges |
|---|---|
| Processing Fees: | Processing Fee: 4% of loan amount or Rs. 40,000/- whichever is lower + applicable taxes |
| EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate | As shown in the table below |
| Charges in Rs. | Loan sanction amount in Rs. |
| ₹ 500 | < 5 lacs |
| ₹ 1000 | 5 – 30 Lacs |
| Penal Charge/Late Payment Charge (LPC): | 2% per month (p.m.) on overdue EMI * |
| *LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec'23 | |
| *Taxes applicable on LPC w.e.f. 1st Apr'24 | |
| Part Payment Charges: | 5% of principal outstanding + applicable taxes |
| Foreclosure Charges: | 5% of POS (Principal Outstanding) + applicable taxes |
| Annual Maintenance Charges | Nil |
| Statement or document retrieval charges: | Duplicate NOC: Rs. 500/- + applicable taxes (Charge is applicable post 3 free copies) |
| Repayment Swap charges (per swap): | ₹500 + applicable taxes (applicable only for branch walk-ins) |
| Charges for documents like Statement of Account/Repayment Schedule /Foreclosure Letter & Welcome Kit: | Nil |
| Cooling-off/ look-up period during which Borrower shall not be charged any penalty on prepayment of loan | 3 Days from the date of disbursement |
| Loan cancellation fee post cooling off period of 3 days: | 5% of principal outstanding loan amount + applicable taxes |
| Field collection service charge: | Rs. 500/- per collection + applicable taxes |
| Legal fees and charges: | Up to Rs. 30,000/- + applicable taxes |
| Recovery charges: | Up to Rs. 15,000/- + applicable taxes |
*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.
| Loan Amount (₹) | Interest Rate (per annum) | Tenure (Years) | EMI (₹) |
|---|---|---|---|
| 3,00,000 | 11% | 1 | 26,514 |
| 3,00,000 | 11% | 2 | 13,982 |
| 3,00,000 | 11% | 3 | 9,822 |
| 3,00,000 | 11% | 4 | 7,754 |
| 3,00,000 | 11% | 5 | 6,523 |
| 3,00,000 | 11% | 6 | 5,710 |
Apply for Personal Loan with these steps
1. Apply online in just few minutes
Select Personal Loan and click the 'Apply Now' button to start your seamless digital loan journey.
2. Fill in your details
Enter your personal details, such as income details, current address, and more, to instantly check your loan eligibility.
3. Get your customised offer
Explore personalised loan offers to match your needs. You may also get an option to enhance your offer.
4. Set up E-mandate
Securely provide your bank details to easily register for an E-mandate, ensuring smooth loan repayments.
5. Complete KYC
Verify your identity easily and securely with a quick KYC process from the comfort of your home.
6. Get loan disbursement
Get your loan disbursement directly in your bank account, ensuring fast and seamless access to funds.
Yes, applying through our website or PLANET app is safe.
Loan default leads to late fees, a drop in your credit score, and possible legal action.
Yes, income proof such as salary slips, bank statements, or ITR is necessary to assess your repayment ability.
While Aadhaar is essential for identity and address proof, additional documents like salary slips and bank statements may also be required.
If all documents are in order, disbursal can happen within a few hours to one working day after verification and approval.
You can choose a repayment tenure ranging up to 72 months, based on your eligibility and repayment capacity.
A PAN card is mandatory for KYC and loan processing.
Interest rates for L&T Finance Personal Loans start from 11%* per annum.
Aadhaar card is a primary document, but you also need income proof and PAN card along with it for a ₹3 Lakh loan.
Personal Loan In Ahmedabad
Personal Loan In Delhi
Personal Loan In Mumbai
Personal Loan In Bangalore
Personal Loan In Kerala
Personal Loan In Chennai
Personal Loan In Nagpur
Personal Loan In Madurai
Personal Loan In Jaipur
Personal Loan In Indore
Personal Loan In Rajkot
Personal Loan In Pune
Personal Loan In Hyderabad
Personal Loan In Kolkata
Personal Loan In Coimbatore
Personal Loan In Aurangabad
Rs 35,000 Personal Loan
Rs 40,000 Personal Loan
Rs 50,000 Personal Loan
Rs 1 Lakh Personal Loan
Rs 2 Lakh Personal Loan
Rs 3 Lakh Personal Loan
Rs 4 Lakh Personal Loan
Rs 5 Lakh Personal Loan
Rs 6 Lakh Personal Loan
Rs 7 Lakh Personal Loan
Rs 8 Lakh Personal Loan
Rs 9 Lakh Personal Loan
Rs 10 Lakh Personal Loan
Rs 15 Lakh Personal Loan
Rs 25 Lakh Personal Loan
ओवरड्राफ्ट लोन क्या है? विशेषताएँ, लाभ और ब्याज दरें
Apr 23, 2026 | 4 mins read
एनईएफटी (NEFT) क्या है? एनईएफटी फुल फॉर्म और एनईएफटी कैसे करें?
Apr 23, 2026 | 4 mins read
कैश रिज़र्व रेशियो (CRR): अर्थ, लाभ और वर्तमान सीआरआर
Apr 22, 2026 | 4 mins read
बैंक अकाउंट में मोबाइल नंबर बदलने के लिए ऑनलाइन आवेदन कैसे करें
Apr 22, 2026 | 4 mins read
Personal Loan for Gold Purchase: Smart Way to Buy Gold on Akshaya Tritiya
Apr 16, 2026 | 4 mins read
APR: Full Form, Meaning and Its Importance in Loans
Apr 15, 2026 | 4 mins read
What is DSA in Finance? Full Form, Registration, and Key Responsibilities
Apr 15, 2026 | 4 mins read
Top 8 Common Reasons for Personal Loan Rejection in India
Mar 20, 2026 | 4 mins read
Overdraft (OD) vs Personal Loan: Key Differences You Should Know
Mar 18, 2026 | 4 mins read
Debt Consolidation Loan Definition Is It Good or Bad? Explained
Mar 18, 2026 | 4 mins read
.webp)