Personal Loan of Rs. 25 lakh

Personal Loan of Rs. 25 lakh

A personal loan of Rs. 25 lakh is available within a loan range of Rs. 40,000 to Rs. 55 lakh, at rates from 10% p.a., with tenure up to 108 months. Bajaj Finance offers an OTP-based eligibility check through your phone, with no branch visit needed.
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Rs. 40,000 - Rs. 55 lakh

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Enter mobile and OTP | Quick online approval | Get money in a day*

 
 

Key takeaways


A Rs. 25 lakh personal loan can help you fund major planned or unexpected expenses while offering flexible repayment options. Before applying, review the key features and eligibility requirements to make an informed decision.


  • Borrow from Rs. 40,000 to Rs. 55 lakh, based on eligibility.
  • Interest rates range from 10% and 30.5% p.a.
  • Repayment tenure is available from 12 months to 108 months.
  • No collateral or guarantor is required.
  • Quick approval with disbursal within 24 hours*, subject to verification.

Compare your repayment options, check your eligibility, and ensure the loan fits your budget before submitting your application.

Get a personal loan of Rs. 25 lakh instantly

A  Rs. 25 lakh loan can help you finance significant planned or unexpected expenses without using your savings. Whether you need funds for a wedding, higher education, home renovation or medical emergencies, travel, a personal loan offers a convenient financing option. With a Bajaj Finance Personal Loan, you can apply online through a simple application process, benefit from minimal documentation, and choose a repayment tenure that suits your budget.


✅  Check your pre-approved loan offer with phone number and OTP → Apply online in 5 minutes → Receive funds within a day*.

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Why opt for a Rs. 25 lakh personal loan?

When you need significant financial support, a personal loan of Rs. 25 lakh can help manage large expenses such as home renovation, medical treatment, higher education, or an international holiday without disturbing your regular savings.


One of the key advantages is its flexibility. You do not need to provide collateral, and the funds can be used for multiple personal needs. Planning repayments in advance by checking the EMI can help you stay within your monthly budget and manage repayments comfortably.


Many lenders offer quick application processes and minimal documentation, making it easier to access funds when required. Flexible repayment tenures can also help you choose an EMI suited to your financial capacity.


Before applying, compare the applicable interest rate, processing fees, tenure, and total repayment amount to make an informed borrowing decision.

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Features and benefits of Rs. 25 lakh personal loan

High loan amounts

Manage both small and large expenses with quick personal loans ranging from Rs. 40,000 to Rs. 55 lakh—perfect for business investments, property purchases, or major life events.


Flexi loans

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.


Convenient repayment tenures

Manage your loan easily with flexible repayment options ranging from 12 months to 108 months, allowing you to choose EMIs that fit your income cycle and budget.


Approval in just 5 minutes*

Complete your entire personal loan application online from the comfort of your home or office and get an instant personal loan with lightning-fast approval.


Money in account within 24 hours*

Your bank account will be credited with your loan amount within 24 hours* of approval, or in some cases, on the same day—ideal for urgent business or personal needs.


Pre-approved offers

You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch.


Complete transparency - no hidden charges

Our fees and charges are mentioned clearly on this page and in all loan documents. We maintain complete transparency, allowing you to make informed financial decisions.


No guarantor or collateral needed

You don't need to provide any collateral such as gold ornaments, property papers, or have someone stand as a guarantor—completely unsecured financing.


These features make this one of the best personal loans in India.

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Eligibility criteria of personal loan for Rs. 25 lakh

  • Lenders assess your personal loan eligibility criteria based on your credit score and financial stability. The eligibility criteria for a personal loan differs from lender to lender. You can qualify for a Bajaj Finance Personal Loan once you meet the five simple eligibility criteria mentioned below:


    NationalityIndian
    Age21 years to 80 years
    Employed withPublic, private, or MNC.
    CIBIL Score650 or higher.
    Customer profileSelf-employed or Salaried

    *You should be 80 years or younger, at the end of the loan tenure.

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Documents required for a personal loan of Rs. 25 lakh


Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:


Document CategoryAccepted Options
KYC proofAadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
Identity proofPAN card, Real-time image / photograph
Employment proofEmployee ID card, Letter of Allotment of Accommodation Issued by Employer
Income proofSalary slips — last 3 months, Bank account statements — last 3 months
OthersPension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt


Know more about the personal loan documents required during application.


Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

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Rs. 25 lakh personal loan EMI for up to 5 Years

At an interest rate of 10% p.a., the approximate EMI for a Rs. 25 lakh personal loan over 5 years (60 months) is Rs. 53,118. The total interest is approximately Rs. 6,86,080, making the total repayment about Rs. 31,86,080.

Loan AmountInterest Rate (p.a.)TenureApprox EMI
Rs. 25,00,00010%5 years (60 months)Rs. 53,118
Rs. 25,00,00012%5 years (60 months)Rs. 55,612
Rs. 25,00,00015%5 years (60 months)Rs. 59,474
Rs. 25,00,00018%5 years (60 months)Rs. 63,485
Rs. 25,00,00020%5 years (60 months)Rs. 66,247

Use the personal loan EMI calculator to estimate repayments based on the applicable rate and tenure. Actual EMI, interest and total repayment may vary based on the loan terms.

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What tenure is best for a Rs. 25 lakh loan?

The best tenure for a Rs. 25 lakh loan depends on your monthly income, repayment capacity, and financial goals. A shorter tenure can help reduce the total interest payable, while a longer tenure can lower your monthly EMI. Before choosing a tenure, consider the following:


  • Short tenure: Higher EMIs but lower overall interest cost.
  • Long tenure: Lower monthly EMIs but potentially higher total interest payable.
  • Budget: Choose an EMI that fits comfortably within your monthly expenses.
  • Financial goals: Select a repayment period that supports your long-term financial planning and timely repayments.
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Personal loan interest rates for Rs. 25 lakh

Personal loan interest rates for a Rs. 25 lakh loan range from 10% and 30.5% p.a., depending on factors such as the borrower’s CIBIL Score, income, loan amount, and repayment tenure. A higher CIBIL Score may help borrowers access more favourable rates.


The overall borrowing cost may also include processing fees, applicable prepayment or foreclosure charges, bounce charges, and stamp duty. Understanding the applicable personal loan interest rates and charges can help borrowers estimate the total repayment cost before applying.

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How to apply for a personal loan of Rs. 25 lakh

Follow these steps to apply for a personal loan of Rs. 25 lakh:

  1. Check loan eligibility – Visit our personal loan page, enter the loan amount you need, select the repayment period, and click on "CHECK LOAN OFFER" to check your loan eligibility.
  2. Enter personal details – Provide your personal, financial, and employment details to receive a personalised loan offer.
  3. Review your loan offer – Check your offer details and adjust the loan amount or repayment tenure, if required.
  4. Complete KYC verification – Verify your identity and bank details to proceed with your application.
  5. Speak to a loan specialist – Once your application is submitted, an executive will contact you with the next steps.


Check your eligibility for personal loan using just mobile number and OTP – 100% online process.

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Personal loans of different amounts


1 Lakh Personal Loan2 Lakh Personal Loan4 Lakh Personal Loan
5 Lakh Personal Loan6 Lakh Personal Loan7 Lakh Personal Loan
8 Lakh Personal Loan9 Lakh Personal Loan10 Lakh Personal Loan
12 Lakh Personal Loan15 Lakh Personal Loan20 Lakh Personal Loan
30 Lakh Personal Loan35 Lakh Personal Loan40 Lakh Personal Loan
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Get personal loan in your city:


 

Personal loan in DelhiPersonal loan in MumbaiPersonal loan in PunePersonal loan in Hyderabad
Personal loan in KolkataPersonal loan in JaipurPersonal loan in NoidaPersonal loan in Chennai
Personal loan in BangalorePersonal loan in AhmedabadPersonal loan in ChandigarhPersonal loan in Lucknow
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Key offerings: 3 loan types

  • Flexi Hybrid Loan
  • Flexi Dropline Loan
  • Term Loan

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    You can pay interest-only EMIs for up to 36 months, after which, the EMI will consist of both, the principal and the interest. EMI is applicable only on the withdrawn amount.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Withdraw and prepay – no extra charges
    You can withdraw from your limit and prepay as many times as you want, without extra charges.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest on the loan amount you withdraw.

  • Flexi facility charges
    Flexi facility charges applicable based on your loan amount.

  • Amount disbursed in one go
    The entire loan amount is disbursed at the start.

  • Instalment pattern
    Fixed EMIs that cover both the principal and interest.

  • Flexi facility charges
    No Flexi facility charges.

Personal loan interest rate and applicable charges

Type of fee

Applicable charges

Rate of interest per annum

10% to 30.5% p.a.

Processing fees

Up to 4.13% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes)

Will be deducted upfront from loan amount.

Bounce charges

Rs. 700 to Rs. 1,200/- per bounce

“Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason.

Part-prepayment charges

Full Pre-payment:

  • Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

  • Flexi Term (Dropline) Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount, as on the date of full prepayment.

Part Pre-payment

  • Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment.

  • Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan.

Penal charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty (as per respective state)

Payable as per state laws and deducted upfront from loan amount.

Annual maintenance charges

Term Loan: Not applicable

Flexi Term (Dropline) Loan:

Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.


Flexi Hybrid Term Loan:

Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

Credit guarantee scheme feeUp to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount
Credit guarantee scheme renewal feeUp to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year.
*Renewal Fee to be collected only for 3 subsequent financial years.
 
**If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated.

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Frequently asked questions

Overview

Application

Can I get Rs. 25 lakh personal loan?

Anyone can get a Bajaj Finance Personal Loan of Rs. 25 lakh loan by meeting the basic eligibility criteria to manage their big or small expenses. You can also check your pre-approved offer which requires minimal to no paperwork and get funds instantly into your bank account.

Here is a step-by-step guide to applying for a Rs. 25 lakh personal loan:



  • Click on ‘CHECK ELIGIBILITY’ on this page.
  • Enter your 10-digit mobile number and the OTP sent to your phone.
  • Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
  • Now, click on ‘PROCEED’ to visit the loan selection page.
  • Enter the offer or loan amount that you need. Choose from our personal loan variants.
  • Choose the repayment tenure and click on ‘PROCEED’.

  • Complete your KYC and submit your application.



Our representative will contact you for the next steps. The loan amount will be transferred to your bank account upon the successful verification of your documents.



Apply for a personal loan

The EMI of your lowest interest rate personal loan will vary as per the loan repayment tenure and other terms. You can use a personal loan EMI calculator to find out the EMI of Rs. 10 lakh personal loan. For example, if you take a personal loan of Rs. 25 lakh at an annual interest of 11.50% with a tenure of five years, you will have to pay an EMI of Rs. 54,982.
 

TenureApproximate EMI at 11.50% interest rate
2 years1,17,101
3 years82,440
4 years65,223

You can repay a Rs. 25 lakh, 25-year loan in 10 years by increasing your monthly EMI, making regular prepayments, and using bonuses or savings to reduce the principal faster.

Yes, you can apply for a Rs. 25 lakh loan without collateral through a Bajaj Finance Personal Loan, subject to eligibility and approval. Personal loans are unsecured, so you do not need to pledge any asset as security. Your application is evaluated based on the lender's eligibility criteria and verification process.

To get a quick personal loan, you only need to meet a few basic personal loan eligibility criteria:


  • You must be between 21 years and 80 years of age
  • You must be a salaried individual employed with an MNC, public or private company
  • You must be a residing citizen of India

  • If you meet the salary requirement based on your city of residence, you can qualify for the loan.



You should be 80 years or younger, at the end of the loan tenure. Check your eligibility in just 2 steps and plan your expenses comfortably.


The salary requirement varies depending on the lender. Also, loan approval depends on many other factors including salary.

Lenders provide an interest rate when you opt for a personal loan. The personal loan interest rate depends on several factors including CIBIL Score, income, debt-to-income ratio, employment stability etc. Once you know the interest rate, you can use the interest calculator to know your EMI outflow.

The maximum repayment tenure for a Rs. 25 lakh loan with a Bajaj Finance Personal Loan is 108 months, subject to eligibility and lender assessment. Choosing a longer tenure can reduce your monthly EMI, while a shorter tenure may help lower the total interest payable. Select a tenure that suits your repayment capacity.

To apply for a Rs. 25 lakh loan with Bajaj Finance, salaried applicants generally need a minimum monthly salary of Rs. 25,001, along with meeting the applicable eligibility criteria. The final loan amount offered depends on factors such as your income, employment profile, credit profile, existing financial obligations, and Bajaj Finance's assessment.

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Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000