Hi Shreya

Since you are a high school student and don’t have income proof or a PAN card, it’s not possible to get a personal loan legally in your name. You can ask your parents or guardians to apply for a loan on your behalf.

Avoid apps or websites that promise instant loans with only an Aadhaar card; most of them are unsafe. Instead, you can look for student scholarships or financial aid that don’t require income proof.