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5-different ways to Download Aadhaar Card and Get a Loan

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Aadhaar is a 12-digit unique identification number issued by the Indian government to its citizens. It is an important document that serves as proof of identity and address. The government of India has made it easier for individuals to obtain their Aadhaar card by providing multiple ways to download it.

Different methods can be used to download the Aadhaar card.

  1. Download Aadhaar from UIDAI Website:

The easiest and most convenient way to download Aadhaar is by visiting the UIDAI (Unique Identification Authority of India) website. To     download the Aadhaar card, follow the steps mentioned below:

Step 1: Visit the official UIDAI website: https://uidai.gov.in/

Step 2: Click on the “Download Aadhaar” option under the “My Aadhaar” tab.

Step 3: Enter your Aadhaar number or Enrollment ID (EID) along with your full name, Pincode and captcha code.

Step 4: Click on the “Get One Time Password” (OTP) option.

Step 5: Enter the OTP received on your registered mobile number.

Step 6: Click on the “Download Aadhaar” option.

Step 7: The Aadhaar card will be downloaded in PDF format.

  1. Download Aadhaar from mAadhaar app:

The mAadhaar app is a mobile application launched by UIDAI, which allows users to download their Aadhaar card on their smartphones. The steps to download Aadhaar through the mAadhaar app are:

Step 1: Download and install the mAadhaar app from Google Play Store or Apple App Store.

Step 2: Open the app and create your profile by entering your Aadhaar number and other details.

Step 3: Click on the “Download Aadhaar” option.

Step 4: Enter your password to open the PDF file.

Step 5: Your Aadhaar card will be displayed on your smartphone.

  1. Download Aadhaar through DigiLocker:

DigiLocker is a digital storage service provided by the Indian government, which allows users to store and access digital documents. The steps to download Aadhaar through DigiLocker are:

Step 1: Visit the DigiLocker website: https://digilocker.gov.in/

Step 2: Click on the “Sign Up” option and create an account using your Aadhaar number and OTP received on your registered mobile number.

Step 3: Click on the “Issued Documents” option and select “UIDAI” from the list of issuers.

Step 4: Enter your Aadhaar number and click on the “Get Document” option.

Step 5: Your Aadhaar card will be downloaded and saved in your DigiLocker account.

  1. Download Aadhaar through SMS:

Individuals can also download their Aadhaar card by sending an SMS to UIDAI. The steps to download Aadhaar through SMS are:

Step 1: Send an SMS to 1947 in the following format: “GETUID <SPACE> Aadhaar Number”.

Step 2: You will receive an OTP on your registered mobile number.

Step 3: Send another SMS to UIDAI in the following format: “OTP <SPACE> OTP received on your mobile number”.

Step 4: Your Aadhaar card will be downloaded and sent to your mobile number.

  1. Download your Aadhaar by visiting a nearby enrolment center

If you do not have access to the internet, you can also download your Aadhaar by visiting the nearest enrolment center. You need to provide your Aadhaar number or enrolment ID to the executive, who will then verify your identity and provide you with a printout of your Aadhaar.

Now that we have discussed the different ways to download the Aadhaar card, let’s move on to the second part of the topic – how to get a loan with Aadhaar.

What Is Aadhar Card Loan ?

Aadhar Card Loans are a type of loan that you can get without putting up any collateral. You can use the loan for many things like paying medical bills, combining your debts, or financing a wedding or vacation. The amount of the loan and the interest rate you pay depend on how much money you make, how well you’ve paid back loans in the past, and how good your credit score is.

One good thing about Aadhar Card Loans is that you can usually get them quickly and without having to provide a lot of paperwork. You can usually apply for the loan online, and the lender will quickly approve the loan and give you the money you need.

 How to Get a Loan On Aadhar Card?

Aadhaar card is an important document that can be used as proof of identity and address while applying for a loan. Here are the steps to follow to get a loan with Aadhaar:

Step 1: Choose a Bank or Financial Institution

The first step to getting a loan with Aadhaar Card is to choose a bank or financial institution that offers loans. You can compare the interest rates, processing fees, and other terms and conditions of various banks and financial institutions to choose the one that suits your needs.

Step 2: Apply for the Loan

Once you have chosen the bank or financial institution, you need to apply for the loan. You can apply for the loan online or by visiting the branch of the bank or financial institution.

Step 3: Submit Your Aadhaar Card

When you apply for the loan, you need to submit your Aadhaar Card along with other KYC documents. The bank or financial institution will use your Aadhaar Card to verify your identity and authenticate your KYC documents.

Step 4: Complete the Loan Application Process

Once your identity is verified and your KYC documents are authenticated, you need to complete the loan

application process. This may involve submitting additional documents, such as income proof, bank statements, and property documents, depending on the type of loan you are applying for.

Step 5: Receive Loan Approval

If your loan application is approved, the bank or financial institution will disburse the money instantly in your account.

Application Process to get a Loan from FlexSalary on Aadhaar card-

Here are the steps to follow to get a personal loan on Aadhaar card:

  • Check your eligibility: The first step is to check if you meet the eligibility criteria. This includes factors like your age, income, credit score, etc. You can do it after registration with FlexSalary. Here, anyone with a salary of Rs.8,000/m you can avail of this loan.
  • Fill in the application form: Use the app or visit FlexSalary website and fill in the loan application form. Make sure to provide accurate information and read the terms and conditions carefully before submitting the form.
  • Upload KYC documents: To complete the application process, you will need to upload your KYC (know your customer) documents. This includes your Aadhaar card, PAN card, and address proof.
  • Wait for approval: After submitting your application and documents, the lender will review your application and inform you of their decision. If your loan is approved, the money will be disbursed to your bank account.
  • Repay the loan: Make sure to repay the loan on time to avoid any penalties or late fees. You can use the lender’s website or app to track your payments and remaining balance.

Tips on why and how to keep your Aadhaar card information safe:

Why keep Aadhaar card information safe:

  1. Aadhaar card contains sensitive personal information such as your name, address, phone number, and biometric data, making it a prime target for identity theft and fraud.
  2. Aadhaar card is linked to various government services and documents, including bank accounts, which means if someone gets access to your Aadhaar card information, they can potentially gain access to all of these services and documents.
  3. Protecting your Aadhaar card information can prevent unauthorized access to your personal and financial information, and safeguard you from identity theft and fraud.

How to keep Aadhaar card information safe:

  1. Keep your Aadhaar card with you at all times and do not lend it to anyone.
  2. Do not share your Aadhaar number or other Aadhaar card details with anyone over the phone, email, or text message, as these are common methods used by fraudsters to steal personal information.
  3. Do not click on any suspicious links or download any attachments from unknown senders that claim to be from Aadhaar-related services, as these could be phishing scams that attempt to steal your personal information.
  4. Always verify the authenticity of the Aadhaar-related services and websites before providing any personal information.
  5. Regularly check your Aadhaar card information and transaction history to ensure that there are no unauthorized changes or transactions.

Why link Aadhaar card and bank account:

  1. Linking your Aadhaar card to your bank account is mandatory as per the RBI guidelines.
  2. It helps to streamline various government subsidies and benefits directly into your bank account, eliminating the need for physical cash transactions and reducing the risk of fraud. Before 31stMarch 2023, you must link your Aadhar card and bank account to avoid any fine.
  3. It helps to prevent fraudulent account openings, as the Aadhaar card serves as valid proof of identity and address.
  4. It helps to simplify and speed up the KYC (know your customer) process for banks, as they can easily verify your identity and address using your Aadhaar card details.
  5. As per the latest notification by the Reserve Bank of India (RBI), if you do not link your Aadhaar card with your bank account, your bank account may become inoperative or be restricted. Inoperative accounts are those accounts that have had no transactions for a specific period, and restricted accounts have limited transactions.

Steps to link Aadhaar card and bank account:

  • Visit your bank’s nearest branch or ATM.
  • Provide your Aadhaar card number to the bank representative or enter it into the ATM.
  • Verify your biometric data (fingerprint or iris scan) for authentication purposes.
  • The bank representative will then link your Aadhaar card with your bank account.
  • Once the Aadhaar card is linked to your bank account, you will receive a confirmation message.
  • Benefits of linking Aadhaar card and bank account:
  • You can receive various government subsidies and benefits directly into your bank account, such as LPG subsidy, pension, scholarships, and more.
  • It helps to reduce the need for physical cash transactions, making it more convenient and secure for you.
  • It can help to speed up various banking processes, such as KYC verification and account opening.
  • It helps to prevent fraudulent account openings, as the Aadhaar card serves as a valid proof of identity and address

Mandatory Documents Required for an Aadhaar Card Loan:

  • Aadhaar Card (Original and Photocopy)
  • PAN Card
  • Address Proof (Electricity bill, water bill, etc.)
  • Income Proof (Salary slip, income tax returns, bank statement, etc.)

Aadhaar Card FAQ:

  1. Is Aadhaar Card mandatory for all citizens of India?

As of now, Aadhaar Card is not mandatory for all citizens of India. However, it is required for certain government schemes, services, and transactions.

  1. Can NRIs (Non-Resident Indians) apply for Aadhaar Card?

Yes, NRIs can apply for Aadhaar Card if they have stayed in India for at least 182 days in the past 12 months.

  1. Can one have more than one Aadhaar Card?

No, it is illegal to possess more than one Aadhaar Card.

  1. Can one update the information on their Aadhaar Card?

Yes, one can update their information on their Aadhaar Card online or by visiting an Aadhaar Enrolment Centre.

  1. Can one download a digital copy of their Aadhaar Card online?

Yes, one can download a digital copy of their Aadhaar Card from the UIDAI website or mAadhaar App.

  1. What is an Aadhaar Loan or Personal Loan on Aadhaar Card?

An Aadhaar Loan or Personal Loan on Aadhaar Card is a type of loan that is offered to individuals based on their Aadhaar Card details. The loan amount and eligibility criteria depend on the individual’s credit score, repayment capacity, and other factors.

  1. How to Get a Loan with Aadhaar Card?

Aadhaar Card has become a key document for availing loans in India. Banks and other financial institutions use Aadhaar Card to verify the identity of the loan applicant and to authenticate the KYC documents submitted by them.