Last updated 12 Nov 2026
To be approved as a LOANZ 360 partner you need your PAN, a bank account in your name, four KYC papers (your PAN card, a cancelled cheque, an address proof and your Aadhaar with only the last four digits showing) and your business details. A GST number is needed only if you are registered for GST. You then sign the partner agreement with a one-time code sent to you.
None of this is collected when you first apply. The first form asks only for your name, mobile number and email. Your PAN, bank account and papers come after you sign in, so you can gather them calmly. The list below is what the partner portal asks for today; the exact list is held as configuration, so the team may change it, and the portal always shows the current one.
The checklist at a glance
What the partner portal asks for, and why
| Item | What to give | Why it is asked |
|---|---|---|
| PAN | Your ten-character PAN, typed in. It is stored sealed, and the portal shows only a masked form afterwards. | To confirm who you are and to deduct tax correctly on your payouts. |
| PAN card | A clear copy of the card | To match the PAN you typed. A person other than you checks it. |
| Bank account | IFSC, the name the account is held in, and the account number. Only the last four digits stay readable. | So your payouts have a verified destination. |
| Cancelled cheque | A cheque from the account you want to be paid into, with 'cancelled' written across it | To show that the account number and name are yours. |
| Address proof | A document that shows your current address | To complete the identity check. |
| Aadhaar, masked | A copy with only the last four digits showing, and those four digits typed in | So the reviewer can match your masked Aadhaar to you. The full number is never asked for and never kept. |
| Business details | Your name or business name, the kind of business, an address and a GST number if you have one | To know who you are working as and which tax invoice applies. |
| Consent to the checks | A tick to agree to the PAN check and a one-rupee test credit to your bank account | The checks cannot run without your agreement. |
| Partner agreement | Your acceptance, your typed name and a one-time code | To make the terms binding on both sides. |
Identity and address papers
The papers are uploaded in the portal, and each shows one of four states: waiting to be checked, accepted, not accepted (with the reason) or expired. A paper that is not accepted is replaced on its own. The rest of your application is not checked again, and you are not asked to start over. The portal states the size and file types allowed when you upload.
For a general explanation of identity papers in lending, see documents for any loan application and KYC. The central KYC record is explained in the CKYC glossary entry. For the partner portal, use the four papers above; if you work through a firm, the partner team may ask for more, and it will tell you inside the portal.
Your bank account
- Use an account held in your own name, or in your firm's name if you register as a firm. The name is matched to what the bank holds.
- Type the IFSC, the account holder's name as the bank has it and the full account number. The three travel together, and an account missing any of them cannot be paid into.
- Expect a ₹1 test credit. It confirms the account is yours and in the name you gave.
- If you change your account later, ask support. A changed account has to be verified again before the next payout is made to it.
- Without a bank account on file, an approved partner would build up a balance with nowhere to send it, so the portal asks for one before approval.
PAN and tax details
A PAN is needed for tax to be deducted correctly on the commission you earn. The partner portal says that tax is deducted at a higher rate when no PAN is on file, and that approval is not given without one, so keep your PAN ready from the start. Tax rules are set by the Income Tax Department; for the rate that applies to you, check incometax.gov.in or ask an adviser.
After approval you can also record your tax details in your profile, including the income tax return status you have filed. This is different from the identity papers above and affects the paperwork around your payouts, which how partner payouts work explains.
GST, where it applies
If you are not registered for GST, leave the GST number empty. If you are, enter it in your business details. A GST-registered partner can agree to self-billing, which means LOANZ 360 raises the GST invoice for your commission on your behalf and adds the GST to your payment. The consent is separate and optional, the portal explains what it means before you tick it, and you can withdraw it. Whether GST applies to your services is a tax question; confirm it with an adviser or the GST department.
Signing the partner agreement
- Open the agreement in the portal and read it all the way through. The text is the current version.
- Tick that you have read and accept it, and type your name.
- Ask for a code. A one-time code is sent to you, and it is valid for a short time. If it runs out, ask for a new one.
- Enter the code to sign. A signed copy is kept, and you can open every version you have signed.
- When a new version of the agreement is issued, or a signed version runs its time, you sign again after reading the current wording.
Checks that are run on you
| Check | What it does | Who decides |
|---|---|---|
| PAN check | Confirms that the PAN you gave is valid | Run automatically once you have agreed to it |
| Bank account check | Sends ₹1 to confirm the account exists and is in the name you gave | Run automatically once you have agreed to it |
| KYC paper review | A person checks each of the four papers | A reviewer other than you |
| Business details | Must be on file before approval | The reviewer |
| Final approval | Given only after every check has passed | A person at LOANZ 360, not an automated step |
The portal publishes no further background checks for partners in the steps above. If a reviewer needs something more, they ask you through the portal. You can see the status of each check on your registration page, with a reason when one has not passed.
Frequently asked questions
Can I apply without my PAN?
You can start the application with your name, mobile number and email. Before approval you will need a PAN, because the portal says approval is not given without one and tax is deducted at a higher rate when none is on file. Keep it ready to avoid delay.
Do I need to send my full Aadhaar number?
No. You upload a copy with only the last four digits showing and type those four digits. The full number is never asked for and never kept.
Is a GST number compulsory?
No. The GST number is optional and is for partners who are registered. If you are not registered, leave it empty. If you are, you can choose self-billing, which is a separate consent and not a condition of joining.
Can my payouts go to a family member's account?
The bank check compares the account holder's name with the name you gave, and a payment to a name the bank does not recognise comes back. Use an account in your own name, or your firm's name if you register as a firm.
What if a paper is rejected?
The portal shows the reason next to the paper. Upload a new copy of that paper only. The other papers and the rest of your application are not checked again, and you do not need to resubmit the application.
Is my information safe?
Your PAN and bank account number are stored sealed, and the portal shows only a masked form. Customer details are masked by default too. Read the Your data page on this site for how personal data is handled.
Related reading: Partner programme, How to become a loan partner, DSA, connector and channel partner, How partner payouts work, KYC documents for any loan, CKYC, GSTIN and Your data.