PAN card is lost? Here’s how to apply for a lost PAN card

If your PAN card is lost, you can be at risk of identity theft. Your PAN is a unique number allotted by the Income Tax Department and serves as an ID proof apart from being linked to your tax transactions. As such, losing your PAN card can mean loss of access to several services, including financial services.

If you are wondering what to do if PAN card is lost, read on to learn how to apply for a duplicate PAN card and get other crucial details. 

What to do when you lose your PAN card?

The first thing to do when you realise that your PAN card is lost or missing is to file a PAN card lost complaint at your nearest police station. This is to protect your identity and get the required document to support your request for a duplicate PAN card. 

Once you file the complaint and have a copy with you, you can apply for a duplicate copy of your PAN card. 

How to apply for a duplicate PAN card?

After you file a complaint that your PAN card is lost, you can apply for a duplicate one online or offline. Wondering how to apply for a new PAN card in case of lost PAN card? 

Follow the steps below based on your chosen mode. 

Steps to apply online

Step 1: Visit the Protean eGov Technologies Limited online PAN Application portal
Step 2: Navigate to the ‘PAN’ section under the ‘Services Tab’
Step 3: Scroll down to the ‘Reprint of PAN Card’ section
Step 4: Read the guidelines before applying for a reprint
Step 5: Click on the hyperlink given under section if there are no changes
Step 6: Fill out the application form and submit it
Step 7: Save the token number generated and displayed on your screen
Step 8: Continue with the application and choose your submission mode
Step 9: Fill in the required information and document details
Step 10: Submit the form and make the payment

In case your PAN card is lost, reprint fees for a physical card are ₹50 in India and ₹959 outside of India. Use the acknowledgement number issued after submitting the form to track the status of your application. 

Steps to apply offline 

Step 1: Visit the Income Tax Department website
Step 2: Print the ‘Request for New PAN Changes or Correction in PAN Data’ form
Step 3: Read the instructions before filling out the form
Step 4: Fill in the details in block letters and in black ink
Step 5: Attach two photographs and the required documents
Step 6: Send the form with the required documents and payment to the official address
Step 7: Save the acknowledgement number issued upon acceptance of your form

Note that the required documents are mentioned in the application form and the instructions.  Generally, you need to submit a PAN card lost complaint form, your address proof and other basic documents. 

How to check the status of your duplicate PAN card application

You can track your application status on the TIN/NSDL website. Open the page to track status – https://tin.tin.nsdl.com/pantan/StatusTrack.html.  Select ‘PAN-New/Change Request’ as your Application Type from the drop-down menu. Enter your 15-digit acknowledgement number and captcha code. 

How to download a duplicate PAN card

You can download the e-PAN card by following the steps mentioned below:

Step 1: Go to the TIN-NSDL e-PAN Card service portal (https://www.onlineservices.nsdl.com/paam/requestAndDownloadEPAN.html)
Step 2: Click on acknowledgement number and add it along with other details
Step 3: Enter the captcha code and ‘Submit’ to generate the OTP
Step 4: Enter the OTP and click on ‘Validate’

These steps allow you to download the e-PAN card, especially with your PAN Card number missing in your records. If you have your number, you can choose PAN in the second step. 

With these steps, you know what to do in case of a lost PAN card, how to get a new one and other crucial details. Getting a duplicate PAN card is important because it is an ID proof that gives you seamless access to financial services, like an Instant Personal Loan from Fibe. You can get affordable funding of up to ₹5 lakhs through an entirely digital application on Fibe. To get started, download our Personal Loan App or register on our website. 

FAQs on what to do if a PAN card is lost

Can I get my lost PAN card online?

Yes, if your PAN card is lost or misplaced, you can apply for a duplicate one online on the TIN/NSDL or Protean eGov Technologies Limited website.

How can I get my lost PAN card in 2 days?

Although there are now provisions to get your PAN card within 48 hours, it is not a guarantee. The best way to get a duplicate PAN card quickly is to apply as soon as you file a PAN card lost complaint. 

How can I get my lost PAN card without the number?

If the PAN card number is missing from your records, you may not be able to apply for a new one. The reprint application form requires you to submit your PAN number to proceed with the application.

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Top 5 benefits of Aadhaar card: Detailed Guide

Aadhaar is your go-to ID for authentication and fraud prevention in India. Launched in 2009, it was designed to create a single identity system for all citizens. Your Aadhaar number is a unique 12-digit ID linked to your personal details, including date of birth, demographics and biometrics. No two people can have the same number and UIDAI ensures its security. 

Today, Aadhaar is the most widely accepted identity proof, making it easier to access government schemes and benefits. 

Read on to explore its key benefits and uses. 

Benefits of Aadhaar Card 

Acts as all-in-one proof of identity, age and address 

Among the most important Aadhaar card uses is the fact that this single card serves as instant proof of your residence, age and identity, featuring your photo and other pertinent information. It helps you apply for your passport, visa, PAN and other government IDs too. 

Limits fraud and identity theft 

The Aadhaar number is unique to every citizen of India and is created in a way that prevents duplication. Since it is used to access financial services and in voting, it limits the occurrence of problems like identity theft and fraud.  

Makes easy verification a reality 

The Aadhaar card is a government-issued ID that is valid in all parts of the country. Whether you have a physical copy of your Aadhaar Card, an e-Aadhaar or the mAadhaar app, you can easily verify yourself and access other important documents from the DigiLocker. Moreover, with basic details, you can generate a duplicate of your original documents without any hassle in all states of India.  

Supports two-factor authentication 

If you want to withdraw your EPF, file an income tax return, view your credit score or access other services, you can log into your respective accounts with your Aadhaar Card number. This, along with your registered mobile number, serves as a two-factor authentication for better security.  

Also Read: Mobile number link to aadhar card online 

Secures your data with encryption 

Not only is the data linked to your Aadhaar number protected with the best-in-class encryption in secure data vaults but it is also kept confidential and not disclosed to all. In addition, the data collected cannot be used to profile you or track your transactions. Lastly, the Aadhaar number simply verifies your identity without giving away your personal data.  

Importance of an Aadhaar card 

Access credit and financial facilities 

To apply for personal loans or credit cards, open a bank account, buy insurance, invest in the stock market, FDs or mutual funds or carry out other financial activities, you no longer need multiple documents. Your Aadhaar card is all you need to complete the KYC process and you may need your PAN in addition to certain transactions.  

Apply for government subsidies and employment programs 

When your Aadhaar card is linked to your bank account and PAN card, you can avail of various subsidy benefits easily. The benefits can directly reach your bank account with minimal effort. In addition, enrolling for government employment programs is easier, be it Atmanirbhar Bharat Rojgar Yojana, Pradhan Mantri Rojgar Protsahan YojanaPradhan Mantri Garib Kalyan Rojgar Abhiyaan or more.  

Access the digital life certificate 

For pensioners, the government of India has introduced the Jeevan Pramaan, which may be accessed through the Aadhaar number. This allows you to renew the life certificate and continue receiving a pension online without the need to leave your home.  

Open Jan Dhan Yojana Bank Account 

In the past, opening a bank account was a time-consuming process, especially for people living in remote and rural areas of India. However, with an Aadhaar card, they can open a zero-balance savings account via the Jan Dhan Yojana.  

Now that you know the many benefits of an Aadhaar card, you can use it more confidently and save time. If you want to access instant credit with your Aadhaar card, Fibe has you covered.  

With us, getting a loan of up to ₹5 lakhs is simple and convenient. You can register on our Personal Loan App or on our website to get an Instant Personal Loan in just 2 minutes.  

FAQs on Aadhaar Cards in India 

What is an Aadhaar card and its importance? 

The Aadhaar card is a UIDAI-issued card that contains your 12-digit unique identification number. It is proof of citizenship as well as a primary document for identity and address verification.  

Which type of Aadhaar card is best? 

PVC Aadhaar cards are the most durable, so you can carry them with you anywhere without the risk of damage. Furthermore, sharing them is easy through the QR code. Using the e-Aadhaar is also a great way to verify your identity without giving out key data.

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Check Aadhaar Card Status Online: Guide to Check Aadhar Status

To check Aadhaar card status once you apply for it or update it, you will be required to visit the UIDAI website. This option saves time and energy, as you can perform it anywhere and at any time. You need to have the required details and internet access to perform the check with just a few clicks.

Read on to learn why you must check Aadhaar card status, how to check it and more.

Ways to Check Your Aadhaar Status

Checking the status of your Aadhaar card is crucial because it helps ensure you take prompt actions when required. You will need to use several details to check your Aadhaar card status online or offline. This includes:

  • Your enrolment number
  • Your registered mobile number

You can perform an Aadhaar card status check from anywhere if you have these two pieces of information. Call, SMS and other options are also available to check your status.  Here is a step-by-step guide on how to track your Aadhaar card status through different modes:

Check Aadhaar Status With an Enrolment Number

You can visit the UIDAI website and follow these steps to check your Aadhaar card status.

  • Step 1: Click on ‘My Aadhaar’ and choose ‘Check Aadhaar Update Status’ 
  • Step 2: You will be redirected to the myAadhaar portal where you can choose from 3 options:
    • EID (Enrolment ID)
    • SRN
    • URN 
  • Step 3: On the following page, enter your details based on the option you choose, complete the captcha and click ‘Submit’.

Check Aadhaar Status Without an Enrolment Number

If you lose or misplace your enrolment number, you can retrieve it to check your Aadhaar card status. Follow these steps:

  • Step 1: Visit the official UIDAI website and hover over the ‘My Aadhaar’ tab
  • Step 2: Under ‘Get Aadhaar’ click on ‘Check Aadhaar Status’ 
  • Step 3: On the next page, scroll down and click on ‘Retrieve EID/Aadhaar number’
  • Step 4: Fill in your name and mobile number or email
  • Step 5: Enter the captcha code and click on ‘Send OTP’
  • Step 5: Enter the OTP you get and click ‘Verify OTP’
  • Step 6: Your Enrolment ID will be sent to your registered email or mobile number

Once you receive the Enrollment ID, you can check your Aadhaar card status online.

Check Aadhaar Status on Call

To check your Aadhaar card status via call, dial the toll-free number – 1947 from your registered mobile number. 

Once you connect with the support executive, share your enrolment ID to get the status of your Aadhaar card. You can also use this number for card lock/unlock status, biometric lock/unlock status and other services.

Check Aadhaar Status Via SMS

To get an Aadhaar card status update via SMS, send a text to the Aadhaar SMS Service number with your registered mobile number. For this, Type ‘UID STATUS’ <Space> ’14-digit enrolment number’ in the text box and send it to 1947. If your card is ready, you will receive your Aadhaar number in an SMS. If not, you will get your application’s latest status update.

Read Also: Get a Personal Loan Using an Aadhaar Card

Aadhaar PVC Card Status

Usually, you will get the Aadhaar PVC Card within 5 working days after the request. In case you do not receive the card within this time frame, you can track your application status by following these steps:

  • Step 1: Go to ‘myAadhaar’ website
  • Step 2: Select the ‘Check Aadhaar PVC Card Order Status’
  • Step 3: Enter SRN and captcha
  • Step 4: ‘Submit’ your request to track the Aadhaar card

With these steps, you can easily check the Aadhaar card status using different modes. 

Having an Aadhaar card is crucial as it serves as an important ID and address proof. As such, a valid Aadhaar gives you access to a host of services, including personal loans from lenders like Fibe.

You can easily get a Fibe Instant Personal Loan of up to ₹5 lakhs once you submit the required basic documentation. You can meet your needs without any hassles with simple eligibility criteria, competitive interest rates and flexible tenures. Download the Personal Loan App or visit our website to register and apply for a loan through a 100% digital and safe loan process.

FAQs on How to Check Aadhaar Card Status

How can I check my Aadhaar card status by URN?

You can check your Aadhaar card status through URN by clicking on the ‘Check Enrolment & Update Status’ tab on the official website. After that, you can enter the URN and captcha to get an Aadhaar card status update.

How many days does the Aadhaar update take?

Generally, an Aadhaar card update takes around 30 days. You can easily check your Aadhaar card status once you make an update request through the official website.

How can I check the lock/unlock status of my Aadhar biometrics?

You can lock or unlock your Aadhaar biometric to protect yourself from hackers. To lock your biometric, you can follow the steps:

  • Step 1: Visit the UIDAI website
  • Step 2: Navigate to My Aadhaar portal
  • Step 3: Choose ‘Lock/Unlock Biometrics’ under Aadhaar Services
  • Step 4: Enter your Aadhaar number and captcha
  • Step 5: Click on the ‘Send OTP’ button
  • Step 6: Enter OTP
  • Step 7: Proceed to lock or unlock your biometric

How to cancel an update request?

To cancel your update request, visit myAadhaar dashboard and submit your request. If it is a paid service, then you will receive your money within the next 21 days.

What should I do if my Aadhaar update request is rejected?

If your Aadhaar update request is rejected, then follow these guidelines:

  • Resubmit the corrected form
  • Provide accurate documents (self-attested)
  • Verify mobile number

You can also contact the UIDAI helpdesk to raise this issue and follow their guidance on resolving this matter.

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How to apply for a new Aadhaar card and check status online?

To apply for a new Aadhaar card, you can start the enrollment process online. Whether you want a new card or aim to update your data, making online requests related to your Aadhaar Card is a simple process. This 12-digit Aadhaar number issued by the Unique Identification Authority of India (UIDAI) allows you to enjoy many services quickly and without any hassle. 

One of these is getting access to loans and other financial products. Moreover, it is a document that includes all your details, like your name, date of birth, permanent address and more. Therefore, it is also a crucial part of KYC documentation. Considering these facts, if you don’t have an Aadhaar Card yet, you should apply for one as soon as possible. 

Read on to learn how to apply for an Aadhaar card online, how to download your card, check its status and more. 

How to Apply Online for an Aadhaar Card

Applying for an Aadhaar Card online is a simple process. The first part is to book an appointment, for which you can follow these steps:

  • Step 1: Visit the UIDAI website 
  • Step 2: Select your preferred language 
  • Step 3: Select the ‘Book an Appointment’ under the ‘Get Aadhaar’ section of the ‘My Aadhaar’ tab
  • Step 4: Select your nearest Aadhaar Seva Kendra and proceed to book an appointment 
  • Step 5: Select the ‘New Aadhaar’ option on the enrollment page 
  • Step 6: Enter your mobile number and the captcha code and click on ‘Generate OTP’
  • Step 7: Enter the OTP and verify the process
  • Step 8: Fill in the appointment and personal details and confirm the appointment 
  • Step 9: Download the acknowledgement slip with the enrolment number and appointment details

Also Read: How to apply for Pan Card

These steps allow you to: 

  • Apply for a new Aadhaar card
  • Update your demographic details
  • Update your biometric details
  • Manage your appointments 
  • Apply for an Aadhaar home enrollment service

Once you have submitted the application for an Aadhaar card, you can go to your nearest Aadhaar Seva Kendra to complete the process by following these steps: 

  • Step 1: Visit your nearest Aadhaar Enrolment Centre
  • Step 2: Submit your documents for demographic data entry
  • Step 3: Submit your biometric data, that is, photograph, iris scan and fingerprint
  • Step 4: Collect your acknowledgement documents with the enrollment ID

This enrollment ID is crucial to track the status of your card when you apply online for an Aadhaar card. 

How to Find Your Nearest Aadhaar Enrolment Centre

Finding your nearest enrollment centre is very easy on the UIDAI website. Just follow these steps:

  • Step 1: Click on ‘Locate an Enrolment Centre’ under the ‘Get Aadhaar section on the website 
  • Step 2: Select the suitable search option from State, Pin Code or Search Box
  • Step 3: Enter your details 
  • Step 4: Click on ‘Locate a Centre’

Also Read: Small cash loan on Aadhar Card

How to Download e-Aadhaar from the UIDAI Website

When you apply for a new Aadhaar card, the physical card will take up to 90 days to get delivered to your address. Meanwhile, you can download an e-Aadhaar card with these steps:

  • Step 1: Go to the ‘My Aadhaar’ page on the UIDAI website
  • Step 2: Click on the ‘Download Aadhaar’
  • Step 3: Enter your Aadhaar Number, Enrollment Number or Virtual ID and enter the captcha
  • Step 4: Click on ‘Send OTP’ and verify your OTP
  • Step 5: Select ‘Download Aadhaar’ 

How to Get an Aadhaar PVC Card

To apply for an Aadhaar PVC card, you can follow these steps:

  • Step 1: Go to the ‘My Aadhaar’ page 
  • Step 2: Select the ‘Order Aadhaar PVC Card’ option 
  • Step 3: Enter your Aadhaar Number or Enrolment ID
  • Step 4: Click on the ‘Send OTP’ button to generate OTP
  • Step 5: Enter OTP, check the ‘Terms and Conditions’ box and click on ‘Submit’
  • Step 7: Verify your Aadhaar details and click on ‘Make payment’
  • Step 8: Make payment and download the acknowledgement slip

Once you have sent the application for an Aadhaar card, you will receive your card within 5 working days at your residence address as mentioned on the card. With these steps, you can apply for a new Aadhaar card, check its status and download your card more quickly and easily. 

Having a valid Aadhaar card also makes it easier to get loans from financial institutions like Fibe. With Fibe, you can get an instant Personal Loan up to ₹5 lakhs and handle financial undertakings easily and affordably. To get started, download the Personal Loan App or go to our website to apply online. 

FAQ on How to Apply for Aadhaar Card Online

What documents are required to get Aadhaar?

Here are the documents required to apply for an Aadhaar card:

  • Birth certificate
  • Passport
  • PAN card 
  • Ration / PDS photo card
  • Voter ID card
  • Driving license
  • Marriage certificate 
  • ST/ SC/ OBC certificate
  • School leaving certificate
  • High school mark sheet
  • Bank account statement
  • Electricity, water, telephone or other utility bill

Can we take an Aadhaar card online?

Yes, you can download an eAadhaar on the UIDAI site using your enrollment or Aadhaar number. 

How much money is required for an Aadhaar card?

Here are the fees that you must pay for Aadhaar card services:

  • Demographic Update: ₹50
  • Biometric Update: ₹100
  • Biometric with Demographic Update: ₹100
  • Aadhaar Card Download on A4 sheet: ₹30

Can I apply for an Aadhaar card without any documents?

Yes, you can send an application for an Aadhaar card without any documents on the basis of documents of the head of the family. 

Is an Aadhaar card making free of cost?

Yes, you do not have to pay any fees or charges when you apply online for an Aadhaar card, but there are costs associated with updates and requesting a PVC card.

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Steps for Aadhaar Card Link to PAN Card: Online & Offline

As per law, it is now mandatory that you have your Aadhaar card linked to a PAN card. This helps keep your PAN from becoming inoperative, according to the Income Tax Department. If you have not yet linked your Aadhaar Card and PAN card, you are liable to pay a ₹1,000 penalty or your PAN card will become inactive. 

This process is important for tax purposes, the KYC process and to prevent instances of fraud. Moreover, there are many other benefits to linking Aadhaar with a PAN card. To avail of these benefits, you can easily link PAN with Aadhaar online or offline, based on your preference. 

Read on to know why you should get an Aadhaar Card link to PAN Card, how to link them, how to check the status and more.

Why should you link an Aadhaar card with a PAN card? 

  • To avoid your PAN card from becoming inactive
  • If your PAN card is inoperative, your interest and refunds will not transfer into your bank account 
  • To track taxable transactions and fraudulent activities 
  • Carrying duplicate PAN cards is a punishable office and linking Aadhaar with PAN helps track them 
  • To claim tax refunds into your bank account
  • To invest in SEBI-registered investments in the stock market 

Also Read: Rs.20,000 loan on Pan Card

How to Link Aadhaar Card with PAN Card Online

Follow these steps to use the website for tax e-filing to link Aadhar with PAN

  • Step 1: Visit the Income Tax e-filing website
  • Step 2: Under ‘Quick Links’, click on ‘Link Aadhaar’ 
  • Step 3: Once the pop-up message appears with the text “Your payment details are verified”, click ‘Continue’ 
  • Step 4: Enter your PAN number and Aadhaar number
  • Step 5: Click the ‘Validate’ 
  • Step 6: Enter your name as mentioned on your Aadhaar card and mobile number and click on ‘Link Aadhaar’
  • Step 7: Enter the OTP on your Aadhaar mobile number, click on ‘Validate’

If your payment details are verified, then the process to link PAN with Aadhar online is complete. If not, then you will get a pop-up text: “Payment details not found”. 

Also Read: How to apply for Pan Card Online

How to Link Aadhaar Card with PAN Card via SMS

  • Step 1: Open your SMS app
  • Step 2: In the text box, type UIDPAN <space> 12-digit Aadhaar card number <space> 10-character PAN Card number
  • Step 3: Sent the text to 56161 or 567678 for your registered number

After that, you will get a text to confirm that you have successfully completed linking Aadhaar with PAN.

How to Link Aadhaar Card with PAN Card Offline

Without access to the internet, you won’t be able to use the website for tax e-filing to link Aadhaar with PAN. Instead, you will have to go with the offline process, with these steps: 

  • Step 1: Go to your nearest PAN card service centre
  • Step 2: Fill in the Annexure-I form 
  • Step 3: Submit the form, photocopy of your PAN and Aadhaar cards
  • Step 4: Pay the processing fee 
  • Step 5: Collect the acknowledgement receipt 

In addition to your PAN and Aadhaar copy, you may have to provide other documents, such as your birth certificate, for verification. Once your documents are verified, the process will continue until it gets completed. 

How to Check PAN Linked with Aadhaar Status  

Here are the options to check on your Aadhaar card link to PAN card request. 

PAN-Aadhaar Link Status Check Online

You can easily check the status of your link request online with these steps:

  • Step 1: Visit the Income Tax e-filing portal 
  • Step 2: Click on Link Aadhaar Status’ under the ‘Quick Links’ tab 
  • Step 3: Enter your PAN number and Aadhaar number
  • Step 4: Click on ‘View Link Aadhaar Status’

With this, you can check if linking Aadhaar with PAN was successful or not. 

Also Read: Mobile number link to Aadhar Card online

PAN Aadhaar Link Status Check by SMS

The steps you check at the status are the same as for registering for the PAN-Aadhaar link. Simply text UIDPAN <space> 12-digit Aadhaar card number <space> 10-character PAN Card number and send it to 56161 or 567678 from your registered mobile number. 

Once you have successfully completed the Aadhaar card link to PAN Card, you can apply for loans, credit cards, or many other banking facilities quickly and easily. 

In fact, Fibe offers instant personal loan and you will need these documents to enjoy easy access. With all your paperwork in order, you can get financing up to ₹5 lakhs in 2 minutes. To apply, download the Personal Loan App or register on our website.

FAQ on How to Link Aadhaar Card with PAN Card 

How can I link my Aadhaar card with a PAN card offline?

To initiate the Aadhaar card link to PAN card process offline, you can go to a PAN card service centre near you. 

Is there any need to link a PAN card with an Aadhaar card?

Yes, the Central Board of Direct Taxes has made it mandatory to link your Aadhaar card with your PAN. 

What happens if PAN and Aadhaar are not linked?

Non-compliance with the mandatory rule to link the PAN and Aadhaar can lead to PAN cards becoming inoperative.

What is the penalty for linking PAN and Aadhaar?

Failure to comply with the mandate attracts a ₹1,000 penalty.

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PF Withdrawal: How to Withdraw PF Amount?

Need to withdraw your PF online but not sure where to start? You’re not alone. Many salaried employees search for how to withdraw PF amount online when they need quick access to their savings for emergencies, education, medical needs, home renovation or retirement planning. 

Provident Fund (PF) withdrawal has now become much easier with digital services offered by the Employees’ Provident Fund Organisation (EPFO). You can conveniently submit your claim online through the EPFO member portal or the UMANG app without visiting the EPFO office physically. 

Here, you’ll learn how to withdraw PF amount online, the different PF withdrawal methods, eligibility criteria, required documents and the latest PF withdrawal rules in 2026. 

What is Required for PF Withdrawal Online? 

Provident Fund withdrawal can be done online through the EPFO Member e-Sewa portal or the UMANG app after completing a few essential requirements. To start the withdrawal process, you must have an active Universal Account Number (UAN) linked with your Aadhaar, PAN and bank account details. Your Aadhaar-linked mobile number should also remain active for OTP verification during claim submission. 

Additionally, your KYC details must be verified and updated on the EPFO portal. Depending on the type of withdrawal, you should also meet the eligibility conditions specified by EPFO, such as retirement, unemployment, medical emergency or home purchase. Once these details are verified, you can easily submit your PF withdrawal request online from anywhere. 

How to Withdraw PF Online? 

You can withdraw your PF amount online through the EPFO portal, the UMANG app or by filing a claim as a beneficiary in case of the account holder’s death. 

On the EPFO Portal 

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Log in using your UAN, password and captcha code 

Step 3: Verify your KYC details under the ‘Manage’ tab 

Step 4: Under the ‘Online Services’ tab, select ‘Claim (Form-19, 31, 10C and 10D)’ 

Step 5: Enter your bank account number and click on ‘Verify’ 

Step 6: Click on ‘Yes’ to proceed further 

Step 7: Select ‘Proceed for Online Claim’ 

Step 8: Choose ‘PF Advance (Form 31)’ for partial withdrawal or the relevant form for final settlement 

Step 9: Select the reason for withdrawal from the drop-down menu 

Step 10: Enter the withdrawal amount and upload required documents, if applicable 

Step 11: Submit the claim request 

On the UMANG App 

Step 1: Download and log in to the UMANG app 

Step 2: Search for EPFO services 

Step 3: Select the ‘Employee Centric Services’ option 

Step 4: Tap on ‘Raise Claim’ 

Step 5: Enter your UAN details 

Step 6: Verify the OTP received on your registered mobile number 

Step 7: Choose the withdrawal type and submit your claim request 

PF Withdrawal for a Deceased Person 

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Click on ‘Death Claim Filing by Beneficiary’ 

Step 3: Enter the UAN, Aadhaar details, beneficiary name and date of birth 

Step 4: Click on ‘Get Authorized PIN’ 

Step 5: Verify the OTP received on the registered mobile number and submit the claim 

Documents Required for PF Withdrawal Online 

Here are the documents generally required for PF withdrawal online: 

  • Aadhaar card linked with UAN 
  • Bank account details linked with EPFO 
  • Cancelled cheque or bank passbook copy 
  • Active mobile number linked with Aadhaar 
  • Form 15G/15H (if applicable) 
  • Employer approval (only in specific cases) 
  • Medical certificate (for medical withdrawals, if required) 
  • Property-related documents (for home purchase or renovation claims) 

Who Can Withdraw PF? 

The following individuals are eligible for PF withdrawal based on EPFO rules: 

Eligibility Condition  Withdrawal Type  Withdrawal Limit  
Retirement after 58 years  Full Withdrawal  100% PF balance  
Unemployment for more than 2 months  Full Withdrawal  Up to 100%  
Unemployment for 1 month  Partial Withdrawal  Up to 75%  
Medical emergency  Partial Withdrawal  As per EPFO rules  
Home purchase/construction  Partial Withdrawal  Subject to eligibility  
Home renovation  Partial Withdrawal  Subject to eligibility  
Higher education  Partial Withdrawal  Up to 50%  
Marriage expenses  Partial Withdrawal  Up to 50%  
Permanent disability  Full/Partial Withdrawal  As applicable  
Nominee/beneficiary after member’s death  Full Withdrawal  Entire PF balance 

How to Withdraw PF Offline? 

You can also withdraw your PF amount offline by following these steps: 

  • Fill out the appropriate PF withdrawal form 
  • Attach all required supporting documents 
  • Submit the form to the regional EPFO office 
  • Wait for verification and claim processing 
  • Receive the amount in your registered bank account or via cheque 

Criteria for Partial PF Withdrawal 

EPFO allows partial PF withdrawals under specific circumstances: 

Unemployment 

You can withdraw up to 75% of your PF balance if you remain unemployed for one month or more. 

Education 

You can withdraw up to 50% of your PF contribution for your child’s higher education after Class 10, provided you have completed at least 7 years of EPF contribution. 

Marriage Expenses 

After contributing to EPF for at least 7 years, you can withdraw up to 50% of your PF balance for marriage-related expenses. 

Medical Emergencies 

You can withdraw up to six times your monthly salary or your total employee contribution with interest, whichever is lower. 

Home Purchase or Renovation 

Partial withdrawal is allowed for purchasing, constructing or renovating a house after meeting the minimum contribution period specified by EPFO. 

Complete PF Withdrawal 

Complete PF withdrawal allows employees to withdraw the entire balance from their provident fund account under specific conditions such as retirement, permanent unemployment or disability. 

To apply for full PF withdrawal online: 

  • Ensure your UAN is active 
  • Link Aadhaar, PAN and bank details 
  • Complete KYC verification 
  • Log in to the EPFO member portal 
  • Select Form 19 for final settlement 
  • Verify using OTP authentication 
  • Submit the claim online 

Once approved, the PF amount is credited directly to your registered bank account. While complete withdrawal is possible, retaining your PF balance can help build long-term financial security after retirement. 

Latest PF Withdrawal Rules in 2026 

The following rules apply to EPF withdrawals in 2026: 

  • PF withdrawal is generally not allowed while actively employed 
  • Employees aged 55 years or above can withdraw up to 90% of the balance one year before retirement 
  • Up to 75% withdrawal is allowed after one month of unemployment 
  • Remaining balance can be withdrawn after two months of unemployment 
  • Withdrawal above ₹50,000 before completing 5 years of service attracts TDS 
  • TDS of 10% applies if PAN is submitted 
  • TDS of 30% applies without PAN 

Rules for Public Provident Fund (PPF) 

  • Partial withdrawals are allowed only after completion of 6 financial years 
  • Only one withdrawal is permitted in a financial year 
  • Up to 50% of the eligible balance can be withdrawn 

Taxes on PF Withdrawal in India 

Your own contribution to the PF account is generally tax-free. However, certain PF withdrawals may attract tax depending on the withdrawal conditions. 

PF Withdrawal is Tax-Free When: 

  • You complete 5 years of continuous service 
  • Withdrawal is made after retirement 

PF Withdrawal is Taxable When: 

  • Withdrawal exceeds ₹50,000 before 5 years of continuous service 
  • PAN details are not updated 

Applicable TDS Rates 

  • 10% TDS with PAN 
  • 30% TDS without PAN 

The interest earned on PF contributions may also be taxable under applicable income tax provisions. 

How to Check PF Withdrawal Status? 

You can track your PF withdrawal claim status online through the EPFO portal. 

Step 1: Visit the official EPFO website 

Step 2: Log in using your UAN and password 

Step 3: Go to ‘Online Services’ or ‘Track Claim Status’ 

Step 4: Enter your UAN and captcha details 

Step 5: View the current status of your PF claim request 

Monitoring your claim status regularly helps you stay updated on approval and settlement timelines. 

Withdrawing your PF can help manage urgent financial needs, but it may reduce your retirement savings corpus. Before making a withdrawal, evaluate whether you truly need to access your long-term savings. 

If you need quick funds for emergencies or planned expenses, you can also consider alternatives like an Instant Personal Loan from Fibe. Get loans of up to ₹10 lakhs with quick approvals, easy eligibility and fast disbursals. Download the Fibe app or visit the website to apply today. 

FAQs on PF Withdrawal 

How to claim the PF amount? 

You can claim your PF amount both online and offline. Online withdrawal can be done through: 

  • EPFO Member e-Sewa portal 
  • UMANG mobile app 

How many days does it take to withdraw PF advance? 

PF withdrawal claims are usually processed within 7 to 20 working days after successful verification and approval by EPFO. 

What documents are required for PF withdrawal? 

The commonly required documents include: 

  • Aadhaar card 
  • PAN card 
  • Bank account details 
  • Cancelled cheque/passbook copy 
  • Aadhaar-linked mobile number 
  • Supporting documents based on withdrawal reason 

Can I withdraw PF without leaving my job? 

Yes, partial PF withdrawal is allowed while you are employed for purposes such as medical emergencies, home purchase, education or marriage, subject to EPFO eligibility conditions. Full withdrawal is generally allowed only after retirement or unemployment. 

How can I check my PF withdrawal status? 

You can check your PF withdrawal status online by logging in to the EPFO member portal using your UAN and selecting the ‘Track Claim Status’ option. 

What is CIF Number? CIF Full Form, Meaning & How to Locate It?

When you open a bank account, you receive multiple details like your account number, IFSC code, branch code and more. But there’s one important ID most people overlook—the CIF number. This 11-digit code stores your entire banking profile in one place and helps the bank identify you across all accounts and services. 

If you’ve ever wondered what is CIF number, what is CIF code or why banks ask for it during verification, this guide explains everything in a simple and easy-to-understand way. 

What is the Meaning of CIF Number? 

A CIF number, also known as the Customer Identification File Number, is an 11-digit unique ID that your bank assigns to you. The CIF full form is Customer Information File and the CIF full form in bank refers to the digital file where all your details are stored. 

Think of it as a digital folder containing your: 

  • Personal details 
  • KYC documents 
  • All bank accounts linked to your name 
  • Loan details 
  • Demat account information 
  • Credit score and transaction history 

So instead of checking every individual account, the bank simply enters your CIF ID and immediately sees your full financial relationship. 

Bank-Specific Examples: 

Here’s how some top banks display the CIF number: 

  • SBI CIF Number – Printed on the first page of the passbook. 
  • HDFC Bank Customer ID – Works as the CIF and is found in the ‘Account Summary’ or ‘Profile’ section. 
  • ICICI Bank CIF Number – Shown under ‘My Profile’ in mobile and internet banking. 
  • Axis Bank Customer ID – Displayed in account details and used as the CIF number for internal records. 

If you’ve ever been confused about is CIF and customer ID same, the answer is: 

  • Yes, in most banks, CIF number = Customer ID 
  • In a few banks, both may exist separately but serve similar identification purposes 

Customer Identification File (CIF) Contains the Following Details 

Your CIF number gives the bank access to: 

  • All the accounts you hold 
  • Past transaction history 
  • Credit score 
  • Personal details 
  • Loan account information 
  • Demat account information 
  • Existing account balance 
  • KYC details 
  • Overall credit relationship with the bank 

What Does the CIF Number Contain?

Your CIF number acts like a central record of your banking profile. Here’s what it typically includes:

  • Personal details: Your name, date of birth and contact information
  • KYC information: Documents like PAN, Aadhaar and address proof
  • Linked accounts: All savings, current or joint accounts in your name
  • Loan details: Any personal loan, home loan or credit facility you’ve taken
  • Transaction history: Past transactions across your accounts
  • Demat details: Linked investment or demat account information
  • Credit profile: Your repayment behaviour and overall credit relationship with the bank

This helps banks quickly access everything they need without checking multiple records.

[Source: What does the CIF number contain – ClearTax]

How to Find CIF Number Offline? 

If you don’t want to go online, here are easy offline ways to find your CIF ID: 

  • Passbook: Banks like SBI and Bank of Baroda print it on the first page. 
  • Chequebook: Some banks mention it on the first cheque leaf or info slip. 
  • Welcome Kit: When you open a new account, the CIF number may be included. 
  • Printed Statements: Your physical bank statements usually carry it. 
  • Customer Care: Call your bank’s helpline and request your CIF ID after verification. 
  • Branch Visit: Walk into your branch, show ID proof and get your CIF number easily. 

How to Find CIF Number Online? 

If you prefer using your phone or laptop, try these online methods: 

  • Mobile Banking App: 
  • SBI YONO → ‘Account Details’ section 
  • HDFC Bank App → ‘Profile’ or ‘Account Summary’ 
  • ICICI Bank App → ‘My Profile’ 
  • Internet Banking: Log in → go to ‘Account Info’ or ‘Profile’ → view CIF number 
  • Email / SMS Alerts: Many banks mention the CIF ID on monthly e-statements or alerts 

These methods work for most major banks like Axis Bank, Kotak Mahindra Bank and others. 

Why is a CIF Number Important? 

Here’s why a CIF number plays a major role in banking: 

  • Centralises customer data 
  • Reduces confusion by organising all accounts under one ID 
  • Lowers fraud risk through accurate tracking 
  • Cannot be used for transactions, so it stays secure 
  • Required for services like net-banking activation, loan processing or account upgrades 
  • Gives banks a complete financial view of your relationship with them 

Even if someone else knows your CIF number, they cannot use it to make transactions. It’s only meant for internal bank usage. 

Conclusion 

A CIF number is one of the most important identifiers in banking because it keeps your entire financial profile in one place. Whether you hold multiple accounts, apply for a loan or update your KYC, your bank uses this number to verify and manage everything smoothly. 

Now that you know what a CIF number is, how to find it and why banks rely on it, make sure you keep this number safe and use it only when required. 

FAQs on CIF Number 

Is a CIF number the same as an account number? 

No. While an account number is provided when you open any bank account, a CIF number is the customer ID. Using this ID, a bank can retrieve all essential details pertaining to a specific customer. 

Can I give my CIF number to anyone? 

It is better not to share the customer identification number with anyone. However, the number is used for internal purposes by bank employees and is of no use to anyone else. Getting these details won’t allow anyone to execute fraudulent transactions or misuse your banking details. 

How do I find my CIF number? 

It’s easy to find your CIF number. You can check your passbook, bank statement or even your bank’s mobile app. If you’re still unsure, you can call customer care or even visit your nearest branch. 

Is the CIF number and account number the same?

No, they are not the same. Your account number is linked to one specific account, while your CIF number is your unique customer ID. It helps the bank view all your accounts and details in one place.

Can CIF numbers be misused?

Not really. A CIF number is mainly used by banks for identification and internal records. Even if someone knows your CIF number, they cannot use it to make transactions or access your money. Still, it’s always a good idea to avoid sharing it unnecessarily.

What is an NBFC? Top pointers to know about these financing companies

NBFC, meaning a Non-Banking Financial Company is a type of institution that you can rely on for financial services, such as taking a loan, booking a fixed deposit or more. In India, there are many NBFCs, over 9,000 in number as of October 2022, who have changed the financial landscape for the better. 

How? NBFCs play an important role in extending access to financial services across the country to a wide variety of people. This helps with financial inclusion.

NBFCs have different compliance requirements as compared to banks and also work in a digital-first mode. This helps them offer customers instant services at pocket-friendly rates. However, NBFCs also need to meet certain guidelines and frameworks as per the RBI.

Read on to know what they are and the types of NBFCs in India.

Understanding NBFCs: What are they?

Any company registered under the Companies Act of 1956 involved in the financial business of acquisition of market securities, such as stock shares, security bonds, debentures, leases and providing loans or advances, is a non-banking financial company or NBFC. 

In other words, they offer a range of financial products and services to individual groups and businesses that may not fulfil the banking eligibility criteria. Since the government and the RBI regulate these companies, NBFCs are a secure option for financing. 

To better understand what is a NBFC, here is the accurate definition as stated by the RBI. “A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business but does not include any institution whose principal business is that of agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property.”

Also Read: RBI guidelines for personal loan

Various categories of NBFCs

In India, three broad categories help distinguish the nature and functions of NBFCs. They include:

  • Deposit-accepting and non-deposit-accepting NBFCs
  • Systemically important and other non-deposit-accepting NBFCs based on the size of their asset 
  • Based on the kind of activities they conduct

Under these categories, there are 10 NBFC types as follows:

  1. Asset finance company: These NBFCs provide financing for physical assets that contribute to economic activity, such as purchasing farming equipment, machinery, generators, etc. 
  2. Investment company: These NBFCs have the principal business of acquisition in securities, such as shares, bonds, stocks, etc. 
  3. Loan company: These are the types of NBFCs that provide financing, such as loans and advances to individuals and businesses.
  4. Infrastructure finance company: These NBFCs have at least 75% of their assets invested in infrastructure projects.
  5. Systemically important core investment company: Any NBFCs with an asset size above ₹100 crores, with more than 90% holding in equity, debt, loan, shares, bonds debentures are Systemically Important NBFCs.
  6. Infrastructure debt fund NBFCs: These are the companies that raise resources for infrastructure development projects with a minimum 5-year maturity period.
  7. NBFC micro-finance institution: These are non-deposit-accepting NBFCs that provide short-term financing to urban and semi-urban households.
  8. Non-banking financial company factor: This includes any non-deposit-accepting NBFC with at least 50% of its assets and income directed towards the factoring business.
  9. Mortgage guarantee companies: These are companies with net assets of ₹100 crores, having 90% of the gross income invested in mortgage guarantee business.
  10. Non-operative financial holding company: It is a company through which an individual or a group will be allowed to establish a new bank or other financial companies under the RBI. 

Range of services provided by NBFCs

While they are regulated as per RBI guidelines, the range of functions of NBFCs is limited. NBFCs can deal with loans, shares, bonds, credits and insurance. However, they cannot issue or accept demand deposits or issue self-drawn cheques. 

Moreover, unlike a bank, NBFCs cannot form a part of the payment and settlement system. Another factor that differentiates NBFC from banks is that there is no Deposit Insurance and Credit Guarantee Corporation (DICGC) facility available to NBFC depositors. 

Significance of NBFCs

Non-banking financial companies are an important element of the financial system as they cater to the sections of society that do meet traditional banking eligibility terms. These may include low-income households, small businesses, startups, students or those who are new to credit. This makes NBFCs a crucial factor in the growth of the economy. 

Now that you have a better understanding of the NBFC meaning, you can select your preferred NBFC for future financial needs. Fibe extends loans via Earlysalary Services Pvt Ltd, which is a Non-systemically important Non-deposit-taking NBFC registered with RBI.

If you need instant funds, you have the option to apply for a Personal Loan online on Fibe. The approval process takes only 2 minutes and you can secure a loan of up to ₹5 lakhs at favourable interest rates. To take advantage of this opportunity, simply download our Personal Loan App or register on our website.

FAQs on NBFCs

What is an example of an NBFC?

Aditya Birla Capital, Bajaj Finserv, Earlysalary Services Pvt Ltd, Edelweiss Financial Services, L&T Finance Holdings Limited and Muthoot Fincorp are a few examples of NBFCs in India. 

What is the difference between an NBFC and a bank?

The key difference between banks and NBFCs is that NBFCs cannot issue or accept demand drafts. Apart from that, NBFCs do not provide transaction services and cannot form part of the payment and settlement systems. 

What is the role of an NBFC?

The most important role of an NBFC is to offer credit and financial services to individuals who may not be able to apply for these facilities at banks. This helps individuals with low incomes or no credit scores to apply for credit easily. 

Is an NBFC a private company?

NBFCs can be private limited or public limited companies that provide services similar to a bank and are regulated by the RBI. However, they do not hold a banking license.

How to finance a TV Loan online?

You can finance a TV with a personal loan without any hassles and ensure you get the model you want. With the evolution of modern television sets, you now get smart TVs, offering not just an Ultra HD or 4K watching experience, but also interacting with you with Internet and Web 2.0 connectivity. 

Modern TVs also have multiple display options, such as OLED, LED, or QLED. With various options, you can choose from multiple features related to refresh rates, contrast qualities, web browsing, games, on-demand streaming and more. 

Loaded with all these features, the cost of a premium TV today is bound to be on the higher side. Given that you may already go through the tiresome process of finding the right TV, you do not need to worry about how to finance the purchase. 

You can choose a personal loan to finance a TV and ensure that the price of your model does not restrict you from getting a bigger or a smarter TV. Moreover, the instant personal loan from Fibe can ensure you get an OLED, QLED, or LED TV on EMI that is well within your budget.

Read on to learn more about financing a TV purchase with a personal loan from Fibe.

Financing a TV through a TV Loan

With advanced features and tech, the cost of a TV has gone up. However, with a personal loan, you can get a TV of your choice without straining your finances. You can consider buying a TV on loan as it offers favourable terms, which make repayment manageable. 

In fact, lenders even offer a specialised TV loan, which is a tailored personal loan available on the official website or TV Loan app. Such a loan assists you in buying your favourite television model without any compromise.

Fibe provides a smart TV Loan, which is an instant personal loan of up to ₹5 lakhs. Apply for it to get the funding you need online and without hassles. The documentation required is minimal, with the entire process taking just a few minutes. You also get affordable interest rates and easy repayment facilities. The zero prepayment charges allow you to become debt-free whenever you wish. 

Moreover, to facilitate customers buying LED TVs on EMI online, you can use Fibe limit to shop on multiple online shopping platforms. This allows you to seamlessly buy the TV you want. 

Eligibility terms and documentation needed for a TV Loan

With Fibe’s credit solutions, you can easily shop for your favourite smart LED TV on EMI. With a hassle-free application and approval process, you don’t have to worry about meeting stringent eligibility criteria or furnishing an exhaustive list of documents. 

Here are the simple eligibility requirements to finance a TV using a loan from Fibe:

  • You must be an Indian resident between the ages of 21 and 55 years 
  • You must be a salaried individual with a minimum net salary of ₹18,000 if you live in a metro city and ₹15,000 if you live in a non-metro city

In addition to simple eligibility requirements, you only need to furnish copies of the following documents:

  • PAN Card
  • Identity Proof
  • Address Proof
  • Bank Statements or Salary Slips for the Last 3 Months

How to get a TV Loan online?

Here is how you can finance a TV by applying for a loan from Fibe:

Step 1: Visit the official website or download the app
Step 2: Register and navigate to the Personal Loan for Smart TV option
Step 3: Fill in the required information and complete KYC as required
Step 4: Buy an LED TV on EMI using the loan amount after disbursal

Repay in EMIs as per the timeline you choose. You can also prepay the loan amount if you have surplus funds before the end of the tenure. The best part is that Fibe doesn’t charge any prepayment penalties! 

How to get a TV using a Credit Card?

Apart from a personal loan, a credit card is also a convenient way to finance the costs of your TV. You can use your credit limit to buy it outright or use the convenient EMI conversion facility. Follow these steps:

Step 1: Visit the online store or retail outlet where you want to buy your TV
Step 2: Select the model and either select your credit card at checkout or swipe your credit card to pay
Step 3: Convert the transaction into EMIs using the ‘Convert to EMI’ option using net banking or the issuer’s app
Step 4: Choose the EMI payment plan, consent to the terms and enter the code or PIN

You will then get an SMS confirming the EMI option you have chosen. 

Now that you know how to finance your television, choose the right option by comparing the costs. Download the Fibe Instant Loan App or visit the website to get an instant Personal Loan and finance your new TV affordably!

FAQs on How to finance a TV loan online

Can I get a loan for a TV?

Yes, you can finance a TV using a specialised personal loan. Various online platforms like Fibe offer this loan, enabling you to purchase a television of your choice. 

Can I buy a TV and pay monthly?

Yes, you can take a TV loan to purchase a TV and repay it through affordable EMIs. Moreover, Fibe has no prepayment penalties, so you can easily pay off your loan early. You can also buy a TV using a credit card and benefit from the EMI conversion facility to pay the bill in instalments. 

Can I buy a TV on EMI without a credit card?

Yes, you can buy a TV on loan by taking a specialised personal loan that comes with instant approval with competitive interest rates.

How to get Loan for a Laptop online?

You can get a loan for a laptop, which has become an indispensable item for students and professionals. As such, you may be looking for one loaded with the latest features and specs. The best models come with a higher price tag, which can burn a hole in your savings. 

Thankfully, with customised loans, you can ensure you do not compromise on the laptop you want. Just like you can get flagship laptops from numerous brands, you can get financing for your purchase from a variety of lenders. 

Once you finalise the model you want, you can choose the lender from whom you want to get a loan for your laptop purchase. However, you do not need to look far, as Fibe offers an instant personal or laptop loan. With this loan, you get the required financing affordably. 

Read on to learn how to get instant loan for laptop purchases with Fibe.

Availing finance for Laptop purchase 

Having a perfect laptop helps in numerous ways, from ensuring seamless study and work to lag-free connection with your loved ones or even for playing games and being entertained. As such, the price tag must never stop you from buying the laptop you need and want. 

Moreover, you need not deplete your savings as you can easily get online laptop finance. There are multiple lenders who offer personal loans or specialised loans for laptops, with which you can buy whichever model you want. 

With Fibe, you can get a specialised personal loan of up to ₹5 lakhs, which enables easy purchase of laptops on EMI for students and working professionals. You can access this facility on Fibe very easily. 

The entire process of a getting laptop loan, from application to loan disbursal, is online and does not require you to meet stringent eligibility criteria. What’s more, you only need to submit basic documents, making the process easier and quicker. 

You also get competitive interest rates and flexible tenures, ensuring the repayment is just as stress-free. Moreover, if you decide to clear your loan for a laptop before the end of the term, you can do so without having to worry about paying penalty charges.    

Know the eligibility and document requirements

With Fibe, you do not need to meet stringent eligibility criteria or submit documents from what seems like an unending list. Here are the eligibility requirements you need to meet to get a loan for a laptop from Fibe:

  • You must be an Indian resident between 21–55 years
  • You need to be a salaried individual with a minimum income of ₹18,000 and ₹15,000 for metro and non-metro cities, respectively

Moreover, you only need to submit the following documents to get loans for laptops for students or working individuals:

  • Identity Proof: PAN card
  • Address Proof: Leave and License Agreement / Electricity Bill / Passport
  • Salary Slips for the last 3 Months
  • 1 Passport-sized photograph

How to get online Laptop finance 

There are multiple online lenders like Fibe who offer customised personal loans for laptops. Here is how you can apply for online laptop finance from Fibe:

Step 1: Visit the official website or download the app
Step 2: Complete your registration and navigate to the ‘Laptop Loan’ section
Step 3: Fill out the application and complete KYC upon approval
Step 4: Purchase the model you want after disbursement

Given the easy application process and minimal requirements, choosing Fibe to get finance on a laptop makes financial sense. 

How to buy a Laptop on EMI using a Credit Card

Other than loans, you can also opt for credit cards to get the laptop you want without worrying about the price. Rather than swiping your credit card for this big-ticket purchase, you can use the credit card EMI facility to buy a laptop in a pocket-friendly way. Follow these steps:

Step 1: Go to the online/offline retailer of your choice
Step 2: Select the laptop you want to buy and use your credit card at checkout
Step 3: Use the net banking facility or app and choose the option to ‘Convert to EMI’
Step 4: Choose the eligible transaction and agree to the terms and conditions
Step 5: Enter the code or PIN and receive a confirmation SMS
It’s that easy!

Now that you know how you can bring home your laptop with ease, compare and choose the right option. Download the Fibe Instant Loan App or visit the website to get an instant Personal Loan for your laptop today!

FAQs on How to get a loan for a Laptop online

How can I buy a laptop if I don’t have money?

If you don’t have a lump sum to buy a laptop, you can always get a customised laptop loan. Leading lenders like Fibe offer instant and affordable personal loans tailored to different needs, including the purchase of a laptop. You can also use a credit card to buy a laptop. 

Is it okay to buy a laptop on EMI?

Buying a laptop with the latest features and technology can come with a hefty price, which can cause financial strain. As such, opting for an EMI option via a personal loan for a laptop makes more sense. Moreover, you can get competitive interest rates and a flexible tenure, ensuring the repayment is stress-free. 

Which finance is best for a laptop?

To choose the best financing option, you need to assess your current and future finances. If you find payment in EMIs to be more feasible, you can get a customised loan for a laptop. If you find one-time payment more favourable, you can opt for a credit card. Remember, you can also use your credit card to purchase laptops on EMI with the conversion facility.