How to get a loan on Ration Card?

loan on Ration Card 2024
loan on Ration Card 2024

In India, ration card is an important document that provides food items to poor families at low rates. Many people do not know that ration cards can also be used to get a loan and How to get a loan on Ration Card?

In this blog, we will tell you How to get a loan on the Ration Card, what are the documents required for this, and what is the process of taking the loan.

What is Ration Card Lone?

The Ration Card Loan is a type of loan provided to poor families to help meet their financial needs. This loan is provided by banks, non-banking financial companies (NBFCs) and government schemes.

The government is providing loan facility to BPL ration card holders on ration cards. Under this scheme, BPL ration card holders can take a loan of up to Rs 10 lakh. This loan is available at low interest rate and can be used for any task.

Ration card loan benefits

  • low interest rates
  • easily available
  • Low documents
  • Flexible repayment scheme


  • The applicant should have a BPL ration card.
  • The age of the applicant should be 18 years or more.
  • The applicant’s family should be below the poverty line.
  • The applicant should not be taking advantage of any other government scheme.

Necessary documents:

  • Ration card
  • Aadhar card
  • income certificate
  • Address proof
  • Other necessary documents (on demand by the bank)

What works can you take a loan for BPL ration card?

BPL ration card holders are provided with the facility to take loans for various tasks. This scheme is helpful for those who are financially weak and require money for important tasks.

Here are some tasks for which you can take loans from BPL ration card:

  • Education: You can take a loan to provide good education to your children.
  • House/Land: You can take a loan to buy a house or land.
  • Marriage: You can take a loan for your daughter’s wedding.
  • Home Construction: You can take a loan to build a house.
  • Employment: You can take a loan to start self -employment.
  • Business: You can take a loan to grow your business.

How to get a loan on Ration Card?: Application process

BPL ration card holders have to follow the following steps to get loans:

  1. Go to the bank:

First of all, go to the bank where you have an account.

Get information about BPL ration card loan scheme from bank officer.

  1. Submit the documents:

Get a list of required documents.

Collect all the documents, such as:

BPL Ration Card

Aadhar card

Identity proof

Address proof

Income proof

Other necessary documents (specified by the bank)

  1. Fill the application form:

Get ration card loan application form from the bank.

Fill all the information asked in the form carefully and correctly.

Before submitting the form, check all the information again.

  1. Loan acceptance:

The bank will check your applications and documents.

If you are eligible for loan, the loan will be approved.

  1. Get loan amount:

The loan amount will be deposited in your bank account.

Some important things:

  • Debt plans and eligibility criteria of different banks may vary.
  • Compare the interest rates and loan terms of various banks before taking the loan.
  • Evaluate the ability to repay your loan before taking a loan.

Some banks also provide online application facility for ration card loan. For more information, see your bank website.

Apply Link


In today’s article we get the information about how to get a loan on Ration card. Ration card loan is an important financial tool for poor families. This can help them meet their financial needs and enable them to become self -sufficient.

We hope that this blog will help you get the Ration Card Loan.

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