A paddy farmer who took a small gold loan last season may now need ₹9,05,000 to buy a used tractor. Some more family gold is available for a second pledge. The farmer is not sure whether the first loan has any effect on the new one. A nephew searches for a ₹905000 aadhaar loan on the phone, along with a question about running two gold loans together.

A bakery owner in a busy market may need ₹9,15,000 for a new oven and a bigger display counter before the wedding season. The household gold can be used to secure the loan. The owner already pays two small EMIs and is unsure how the lender will view them. One search is for a ₹915000 aadhaar loan, and another asks how much existing debt is too much.

An auto-parts dealer may need ₹9,25,000 to clear a large supplier bill before the festive stock arrives. The household gold is enough to back the loan, but much of it belongs to the dealer's wife. A few pieces were also handed down from his mother. His first search is for a ₹925000 aadhaar loan, and the next one asks whose name goes on the loan.

A government school teacher may want ₹9,45,000 for a daughter's medical college admission. The family gold is ready, and so is the Aadhaar card. But the teacher feels uncomfortable giving a complete copy of the Aadhaar card knowing about its misuses. The search bar ends up showing ₹945000 aadhaar loan along with a few anxious follow-up questions.

A pharmacist who runs a small chemist shop may need ₹9,20,000 to stock up on medicines and buy a cold-storage fridge before the monsoon. The family's gold can be used to cover it. Aadhaar and PAN are both at hand, but it is not clear which one does what. The search typed is for a ₹920000 aadhaar loan, with PAN added only as an afterthought.

A site supervisor who moved from a village to the city a few years ago may need ₹9,55,000 to start a small contracting business. The family's gold can be used to back the loan. The Aadhaar card, however, still shows the village address and an old mobile number. A late-night search is for a ₹955000 aadhaar loan, along with worries about details that do not match.

A software tester working in Pune may need ₹9,35,000 for a parent's treatment back in the home town. The tester's own jewellery, received at the wedding, can be used to back the loan. Making two trips to a branch is hard to fit in between work shifts. The phone search is for a ₹935000 aadhaar loan, with a question about whether KYC can be done on a video call.

A homemaker who runs a tiffin service from home may need ₹7,90,000 for commercial kitchen equipment and a delivery scooter. The gold from her wedding can be used to back the loan. She would like to complete most of the process on her phone, in between cooking batches. The search she types is for a ₹790000 aadhaar loan, with the word online added at the end.

A civil contractor may be waiting on a delayed payment from a client while workers' wages are due this month. A sum of ₹9,00,000 would cover the gap until the money comes in. The contractor plans to repay in one go and has family gold to offer as security. The search on the phone is for a ₹900000 aadhaar loan, followed by a question about paying back at the end.

A dairy farmer with a dozen cattle may want ₹9,10,000 to buy a milking machine and a bulk milk chiller. Gold that has been set aside over the years can be used to back the loan. The farmer has Aadhaar and PAN ready but has not seen before how a lender values gold. A cousin's search on the phone is for a ₹910000 aadhaar loan, and the next question is what happens at the counter.