Top Instant Loan Apps Without CIBIL Score 2026: Instant personal loan is very beneficial product of banks in India for their customers who need the emergency loan to complete their pending and other activities such as marriage expenditure, education expenditure, home renovation and decoration, medical treatment etc. while CIBIL score is very important eligibility criteria for personal loan, there is one bank which is providing personal loan without CIBIL score for up to 800000 instant within 24 hours.
So if you have also registered with this bank or want to get instant loan without using the CIBIL score then you can read this article where we will discuss with you complete information of loan without CIBIL score for 8 lakh including the eligibility criteria, application procedure, interest rates etc.
Top Instant Loan Apps Without CIBIL Score 2026
A good CIBIL score the beneficial status of a customer who can apply for personal loan from any company or bank with more than 750 CIBIL score. But Punjab National Bank is offering their customers to provide personal loan without CIBIL score by using their Aadhar card.
PNB 800000 personal loan scheme was launched by the bank through an statement on social media platform. After that many beneficiaries have applied for personal loan and getting the facilities of without CIBIL score personal loan in Punjab National Bank.
The bank is charging interest rates from their customers according to the previous history of the customer and the relationship of the customer with bank. So if you are engaged with transaction activities with PNB then you can expect very affordable interest rates from the bank.
Eligibility criteria
- Applicant should be Indian citizens.
- You should have bank account in Punjab National Bank from at least 3 to 6 months.
- The applicant should receiving monthly salary in their Punjab National Bank if they are employed in any company.
- If you are self employed then you should provide balance sheet in Punjab National Bank and should have a good turnover of your business.
- The applicant should have Aadhar Card and it should be linked with PAN card, Punjab National Bank and mobile number of the applicant.
- The age of the application should be at least 21 years while applying for personal loan
Important documents for personal loan scheme
The bank is providing online facilities of personal loan without CIBIL score to their customers, but they have to provide important documents through online mode in PDF or JPG format. So before applying for the loan you should carry the following documents:
- Aadhar card of the applicant
- Bank passbook of the applicant
- Passport size photograph
- Last six month salary slip for bank statement
- Form number 16 from your employer or last 2 years GST return for self employed.
- Address proof
- Mobile number of the application
PNB Instant loan application procedure
Applicants can either download the mobile application of Punjab National Bank or can directly visit to the official website of Punjab National Bank to apply for without CIBIL score personal loan through Aadhar personal loan:
- Visit to the official website of Punjab National Bank. https://www.pnbindia.in/
- Now you will reach on the dashboard of the website where you have to click on the online services section and click on insta loan according to the above image
- Now you can see multiple loan offers on the website where you have to select only pre approved personal loan in Punjab National Bank and you will reach on the new page where you have to enter your customer id or Aadhar number accordingly.
- After that the details of the applicant will automatically appear on the dashboard where you have to provide the OTP which will be send on the register mobile number with bank.
- Now select the loan offer which will be provided by bank according to your eligibility criteria and verify your all the documents
- Once you complete your KYC through providing Aadhar Card and PAN Card details you can select the EMI option to repay the loan amount.
- Now company will send you the final OTP on your mobile number and once you submit it on the bottle your application form will be successful submitted and you will receive loan amount within few hours after verification.
The bank bill charge processing fees and other related charges from the loan amount and beneficiaries will receive final pay out in their bank account after all the deductions.
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