Rs. 25,000 Instant Personal Loan

Rs. 25,000 Instant Personal Loan

Check your eligibility for personal loan your phone and OTP - no branch visit needed.
Loan Types

Loan Types

FAQs

FAQs

Video

Videos

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

Check now

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

With flexible terms and competitive rates, you can secure a Rs. 25,000 personal loan that fits your budget. Bajaj Finance now offers loans of up to Rs. 55 lakh, making it easier than ever to meet your financial needs. Whether you’re planning a wedding, funding education, managing medical expenses, or handling unexpected costs, a Rs. 25,000 instant personal loan can provide the necessary funds quickly.


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

Bajaj Finance ensures a smooth borrowing experience with no collateral required, and you can select a flexible repayment tenure that suits your financial situation. Using the personal loan EMI calculator before applying helps you plan your monthly payments and make informed decisions.
 

A high CIBIL score is essential for loan approvals, alongside other eligibility parameters, ensuring your Rs. 25,000 personal loan application is processed efficiently.

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Features and benefits of Rs. 25,000 personal loan

Instant approval

Get your approval within a few minutes* with easy paperwork.


Favourable repayment tenure

Choose an adjustable repayment tenure of up to 96 months, per your convenience.


Virtual account management

Track EMIs for repayment, browse through account statements, and manage your loan online through our customer portal - My Account.


Lower EMIs with Flexi Hybrid Term Loan facility

You can pay interest-only EMIs during the initial tenure of a Flexi Hybrid Term Loan.


What can be the purpose of getting a Rs. 25,000 personal loan?

  • Higher education: Get quick help for tuition, coaching, or course material with a personal loan of Rs. 25000. Apply now for an instant loan for higher education.
  • Medical emergency: Facing urgent medical bills or treatment costs? Get an personal loan for medical emergency and secure a Rs. 25000 loan with minimal documentation.
  • Wedding: From last-minute bookings to final payments, a personal loan for wedding helps manage costs with ease. Get a Rs. 25000 loan urgent and reduce financial stress.
  • Home Expenses: Use a personal loan for home expenses to cover utility bills, groceries, or minor repairs. A personal loan 25000 can makes it easier to manage monthly needs.
  • Travel: Planning a quick trip or weekend getaway? A personal loan for travel gives you a Rs. 25000 loan to cover all travel-related expenses effortlessly.
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Eligibility criteria for personal loan of Rs. 25,000

You can easily get the funds you need with the below criteria:

  • Eligibility criteria

    Use the personal loan eligibility calculator to calculate your eligibility:


    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 685 or higher.
    • Customer profile: Self-employed or Salaried

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


     

  • Documents required

    • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
    • PAN card
    • Employee ID card
    • Salary slips of the last 3 months
    • Bank account statements of the previous 3 months
    • Piped gas bill
    • Pension order
    • Letter of Allotment of Accommodation Issued by Employer
    • Property / Municipal tax receipt
    • Utility bill
    • Phone bill
    • Real-time image / photograph
    • Ration card

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

Interest rates and fees for Rs. 25,000 personal loan

Repay at your convenience with competitive personal loan interest rates and charges. To better understand your loan's cost, use an online interest calculator to estimate your monthly payments and ensure you're making an informed financial decision.


How much EMI will I need to pay for a personal loan of Rs. 25,000?

TenureApproximate EMI
2 yearsRs. 1,155
3 yearsRs. 805
5 yearsRs. 531


 

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How to apply for a personal loan of Rs. 25,000

  • Step-by-step guide to apply for a personal loan

    1. Click on ‘CHECK ELIGIBILITY’ on this page.
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. 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.
    4. Now, click on ‘PROCEED’ to visit the loan selection page.
    5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC and submit your application.

    Our representative will contact you for further steps.

Other instant personal loan options

Rs. 30000 Personal LoanRs. 40000 Personal Loan
Rs. 50000 Personal LoanRs. 60000 Personal Loan
Rs. 65000 Personal LoanRs. 70000 Personal Loan
Rs. 80000 Personal LoanRs. 90000 Personal Loan
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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term 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 24 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 31% p.a.

Processing fees

Up to 3.93% of the loan amount (inclusive of applicable taxes).

Flexi Facility Charge

Term Loan – Not applicable

Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below)

  • Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000
  • Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999
  • Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999
  • Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999
  • Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999
  • Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999
  • Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999
  • Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999
  • Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above

*All the Flexi facility charges above are inclusive of applicable taxes

*Loan amount includes approved loan amount, insurance premium, and VAS charges.
Principal Holiday Facility Fees
  • Up to Rs.1999/- for loan amount less than Rs.2,00,000
  • Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999
  • Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999
  • Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999
  • Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999
  • Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999
  • Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999
  • Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999
  • Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above

Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount

*(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)

Bounce charges

Up to Rs. 1,200 per bounce.
“Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason

Part-prepayment charges

Full Pre-payment:
Foreclosure can be processed post clearance of first EMIs.

  • 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 Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment.

  • Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment.

Part-prepayment

  • 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 Loan (Flexi Dropline) 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 Loan (Flexi Dropline):

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 0.295% (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

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

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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*.