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Rs. 40,000 - Rs. 55 lakh
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If you are looking for a Rs. 25,000 personal loan, it is important to know that Bajaj Finance currently offers personal loans starting from Rs. 40,000 to Rs. 55 lakh. Depending on your eligibility and financial requirements, you can apply for a suitable loan amount to manage expenses such as a wedding, education, medical emergencies, or other planned and unexpected costs.
✅ 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 flexible repayment tenures. You can also use the personal loan EMI calculator before applying to estimate your monthly instalments and plan your finances better.
A good CIBIL score, along with other eligibility criteria, may help support a faster loan application process and quicker disbursal.
Features and benefits of Rs. 25,000 personal loan
When exploring a 25000 personal loan, it is useful to compare available loan features and repayment options. Bajaj Finance offers personal loans from Rs. 40,000 to Rs. 55 lakh, subject to eligibility. Here are some of the key features and benefits:
- Loan amounts from Rs. 40,000 to Rs. 55 lakh: Choose a loan amount based on your eligibility and financial needs.
- Competitive interest rates: Interest rates range from 10% and 30.5% p.a., depending on your credit profile and other eligibility criteria.
- Flexible repayment tenure: Repay your loan over a period ranging from 12 months to 108 months, making it easier to manage your monthly budget.
- Quick approval and disbursal: Eligible applicants can receive loan approval quickly, with funds disbursed within 24 hours*.
- No collateral required: Get access to funds without pledging any asset as security.
- Minimal documentation: Enjoy a simple online application process with minimal documentation. Select customers may not be required to submit any documents*.
- Easy online application: Check your pre-approved loan offer using your phone number and OTP, complete the application online, and track your loan journey from anywhere.
- EMI planning: Use the personal loan EMI calculator to estimate your monthly instalments before applying and choose a repayment tenure that suits your finances.
*Terms and conditions apply. Approval, eligibility, and disbursal are at the sole discretion of the lender.
Eligibility and documents criteria for Rs. 25,000 personal loan
You can easily get the funds you need with the below criteria:
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Eligibility criteria for a personal loan of Rs. 25,000
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 650 or higher. Customer profile Self-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. 25,000
Documentation requirements for a Bajaj Finance Personal Loan are minimal. Five document categories are required at the time of application:
Document Category Accepted Options KYC proof Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card Identity proof PAN card, Real-time image / photograph Employment proof Employee ID card, Letter of Allotment of Accommodation Issued by Employer Income proof Salary slips — last 3 months, Bank account statements — last 3 months Others Pension order, Utility bill, Phone bill, Piped gas bill, Property / Municipal tax receipt Know more about the personal loan documents required during application.
Personal loans are available from Rs. 40,000 onwards. Check your eligibility using your phone number and OTP to view your personalised loan offer and available loan amount.. 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
The interest rate on an online loan app in India varies depending on factors such as your credit profile, income, loan amount, and repayment tenure. Along with the interest rate, borrowers should also review the applicable fees and charges before applying. The table below highlights some of the common charges associated with a personal loan. For the complete schedule of charges, please refer to the existing personal loan interest rates.
| Charges | Details |
| Interest rate | Usually ranges from 10% to 30.5% p.a. , depending on eligibility and lender policies |
| Processing fee | Up to 4.13% of the loan amount (inclusive of applicable taxes). |
| Loan tenure | Typically ranges from 12 months to 108 months |
| Bounce charges | Rs. 700 to Rs. 1,200/- per bounce |
| Prepayment/foreclosure charges | Up to 4.72% (Inclusive of applicable taxes) |
| Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount |
What is the EMI for a Rs. 25,000 personal loan?
The EMI for a Rs. 25000 personal loan depends on the interest rate and repayment tenure. Since Bajaj Finance offers personal loans from Rs. 40,000 to Rs. 55 lakh, the table below is only an illustrative example to help understand how EMIs vary with different loan tenures.
| Tenure | Approximate EMI |
| 2 years | Rs. 1,155 |
| 3 years | Rs. 805 |
| 5 years | Rs. 531 |
How to apply for a personal loan of Rs. 25,000
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Step-by-step guide to apply for a 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 further steps.
How quickly can a Rs. 25,000 personal loan be disbursed?
The disbursal time for a personal loan depends on the lender's approval process and the applicant's eligibility. Bajaj Finance offers personal loans from Rs. 40,000 to Rs. 55 lakh, with funds disbursed within 24 hours* after approval for eligible applicants. Submitting complete documents and meeting the eligibility criteria can help speed up the application and disbursal process.
Other instant personal loan options
| Rs. 30000 Personal Loan | Rs. 40000 Personal Loan |
| Rs. 50000 Personal Loan | Rs. 60000 Personal Loan |
| Rs. 65000 Personal Loan | Rs. 70000 Personal Loan |
| Rs. 80000 Personal Loan | Rs. 90000 Personal Loan |
Key offerings: 3 loan types
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) |
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:
Part Pre-payment
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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.
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 fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up 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
Eligibility, EMI and interest
Eligibility and approval
Application
You can simply visit our Personal Loan page and click on check eligibility. Enter your mobile number and OTP to see an offer. You can either choose to go with it or enter a lower amount. You can then select a repayment tenure suitable for you and proceed with the application.
Our Personal Loan is a form of unsecured loan. You do not have to submit any collateral to get the funds you need
The eligibility criteria for our personal loan are:
Nationality: Indian
- Age: 21 years to 80 years.
- Employed with: Public, private, or MNC.
- CIBIL Score: 650 or higher.
- Customer profile: Self-employed or Salaried
*You should be 80 years or younger, at the end of the loan tenure.
Select customers with pre-approved offers may be able to get our Personal Loan without submitting documents such as salary slips.
The EMI amount varies depending on the tenure and interest rate. For example, the EMI for a Rs. 25,000 loan for a tenure of 3 years, at an interest rate of 13% p.a. will be approximately Rs. 842.
You need a CIBIL Score of 650 or higher to apply for our personal loan.
The monthly payment on a Rs. 25,000 loan varies based on the interest rate and loan tenure. An EMI calculator can help you estimate your monthly payments accurately.
For a Rs. 25,000 personal loan, a credit score of 650 or higher is generally preferred. A better score can improve your chances of approval and secure more favorable interest rates.
The interest paid on a Rs. 25,000 personal loan depends on the interest rate and loan tenure. Use an EMI calculator to determine total interest paid over the loan duration.
Before taking a Rs. 25,000 personal loan, consider factors like interest rates, repayment tenure, your credit score, and existing debts. Understanding these aspects will help ensure a suitable financial decision.
Yes, some lenders offer Rs. 25,000 personal loans urgently with minimal documentation. However, be prepared to provide essential information, such as identity proof and income verification, for a faster approval process.
Yes, with a monthly salary of Rs. 25,000, you can avail a personal loan depending on your credit score, existing debts, and lender eligibility criteria.
You can take a personal loan ranging from Rs. 40,000 to Rs. 55 lakh - and spread the repayment over long tenure of up to 9 years.
Yes, improving your CIBIL score, reducing existing debts, and maintaining timely repayments can enhance loan eligibility even with a Rs. 25,000 monthly salary.
The EMI for a Rs. 25,000 personal loan depends on the interest rate and repayment tenure selected by the borrower at the time of application.
You can apply for a Rs. 25,000 personal loan online by checking eligibility, submitting basic documents, completing KYC, and verifying details through OTP-based authentication.
Yes, you may be able to get a personal loan with a low CIBIL score, but approval depends on the lender's eligibility criteria and your overall credit profile. A higher CIBIL score generally improves your chances of approval and may help you qualify for better loan terms.
The best and safest option for a Rs. 25000 personal loan is to apply through a trusted financial institution that offers transparent terms, competitive interest rates, and a secure online application process. Compare eligibility criteria, charges, repayment options, and customer support before making your decision.
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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