Bank of India (BOI) offers a range of personal loan solutions designed for quick approvals, minimal documentation, and Aadhaar-enabled verification. This comprehensive guide covers Bank of India Loan, Bank of India Personal Loan, application process, loan limits, interest rates, and how Aadhaar e-KYC speeds up approval. Additionally, we include insights on topics users frequently search for, such as Aadhaar Card Loan 50,000 Online Apply, Aadhaar Card Loan 50,000 SBI, and the reality of the so-called Pradhan Mantri Aadhaar Card Loan Yojana.
What Is a Bank of India Aadhaar Card Loan?
A Bank of India Aadhaar Card Loan refers to the process of applying for BOI personal loans using Aadhaar-based e-KYC. While Aadhaar alone cannot guarantee approval, it enables faster verification and smoother onboarding.
This service is especially useful for individuals searching for बैंक ऑफ इंडिया लोन, बैंक ऑफ़ इंडिया लोन अप्लाई, or बैंक ऑफ़ इंडिया पर्सनल लोन options online.
Key Features of Bank of India Personal Loans
- Loan Amount: ₹20,000 to ₹10,00,000
- Faster Aadhaar e-KYC: One-time OTP verification
- Repayment Tenure: Up to 60 months
- Interest Rates: Starting at 10.85% p.a.
- 100% Digital: Apply easily via BOI online banking
- Best for: Salaried, self-employed, pensioners
BOI personal loans are commonly chosen by borrowers looking for a quick and secure Bank of India loan option.
Eligibility Criteria for Bank of India Aadhaar-Based Loans
| Criteria | Requirement |
|---|---|
| Age | 21–60 years |
| Income | Minimum ₹15,000/month |
| Credit Score | 700+ recommended |
| ID Verification | Aadhaar + PAN |
| Employment | Salaried/Self-employed |
Documents Required
Primary Documents
- Aadhaar Card (for e-KYC)
- PAN Card
Income Proof
- Salary slips (last 3 months)
- Bank statement (last 6 months)
- ITR for self-employed
How to Apply for Bank of India Loan (बैंक ऑफ़ इंडिया लोन अप्लाई)
BOI provides both online and offline application methods.
1. Apply Online (Through BOI Net Banking & Mobile App)
This method is ideal for users searching for बैंक ऑफ़ इंडिया नेट बैंकिंग.
Steps
- Login to BOI Net Banking or BOI Mobile App
- Navigate to “Loans” → “Personal Loan”
- Fill basic information
- Complete Aadhaar OTP e-KYC
- Upload documents
- Receive approval & e-sign agreement
2. Apply Offline at BOI Branch
- Visit nearest BOI branch
- Submit Aadhaar, PAN, income proof
- Fill Bank of India Loan application form
- Complete verification
- Get loan sanction
Aadhaar Card Loan 50,000 Online Apply (Instant Loan Insight)
Many borrowers search for आधार कार्ड लोन 50,000 ऑनलाइन अप्लाई.
Important Note:
Bank of India does not provide a specific “Aadhaar Loan 50,000 scheme.” However, you can get ₹50,000 as a personal loan if your income and credit score meet the eligibility criteria.
How Aadhaar Helps
Aadhaar e-KYC reduces:
- Manual paperwork
- Verification time
- Approval delays
Aadhaar Card Loan 50,000 SBI (Comparison Insight)
Similarly, the term आधार कार्ड लोन 50 000 SBI is popular. SBI also does not run an “Aadhaar-only loan” scheme. Aadhaar is used for e-KYC, but income and credit profile decide approval.
BOI often has lower processing charges compared to SBI for small loan amounts like ₹50,000.
Pradhan Mantri Aadhaar Card Loan Yojana (Reality Check)
There is NO official government scheme called प्रधानमंत्री आधार कार्ड लोन योजना.
Banks like BOI provide personal loans using Aadhaar e-KYC, but this is not a government-sponsored Aadhaar loan.
Be aware of fraud websites claiming instant government Aadhaar loans.
Bank of India Customer Care Number
For queries related to Bank of India Loan or BOI personal loan applications, contact:
📞 BOI Customer Care Number
1800 103 1906 (Toll-Free)
Available: 24×7 support for loans, net banking, and e-KYC issues.
Why Choose Bank of India for Personal Loans?
- Lower interest rates compared to many private banks
- Quick Aadhaar-enabled verification
- Trustworthy, government-owned bank
- Easy बैंक ऑफ़ इंडिया नेट बैंकिंग process
- Flexible repayment terms
FAQs
1. Can I get a loan using only Aadhaar?
No. Aadhaar helps with KYC, but PAN and income documents are still required.
2. Can I apply for a ₹50,000 Aadhaar loan online?
Yes, but it is a BOI personal loan, not a special Aadhaar scheme.
3. Does BOI offer instant loans?
Yes, pre-approved customers receive instant digital loan offers.
4. How fast does the loan get approved?
Approval generally takes 24–48 hours.