Explore Philippines With the Help of Personal Loan

Explore Philippines With the Help of Personal Loan

The Philippines trip cost from India for 10 days is about Rs. 80,000 to Rs. 1,00,000 per person. Eligible Indians can visit visa-free for up to 14 days. Plan your budget below.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

Video

Video

Rs. 40,000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

Check now

Enter mobile and OTP | Check offer | No branch visit needed

Key Takeways

 
 

Last updated: 12th October, 2026



In summary

The Philippines trip cost from India depends on your travel style, the season and how long you stay. This guide covers each cost and the visa-free entry rule.


  • A 10-day trip costs about Rs. 80,000 to Rs. 1,00,000 per person.
  • Round-trip flights cost Rs. 25,000 to Rs. 45,000.
  • Stays range from Rs. 1,000 a night in hostels to Rs. 5,000 or more in resorts.
  • Eligible Indian nationals can enter visa-free for up to 14 days for tourism, as of June 2025.

  • A Rs. 1.2 lakh loan at 13% per annum costs Rs. 5,705 a month over 24 months (2 years).


A Bajaj Finance Personal Loan can cover the part of the trip your savings do not. Borrow only that gap.

How much does a Philippines trip cost from India?

A 10-day Philippines trip from India costs about Rs. 80,000 to Rs. 1,00,000 per person. This covers stays, meals, transport, activities and other expenses. The range suits budget to mid-range travellers.


Your travel style moves the total most. Hostels and local food keep you near Rs. 80,000. Resorts and paid island tours push you past Rs. 1,00,000.


Cost itemEstimated cost per person
Round-trip flightRs. 25,000 to Rs. 45,000
Hostel stayFrom Rs. 1,000 per night
Resort stayRs. 5,000 or more per night
Travel insuranceRs. 1,500 to Rs. 3,000
Visa (only if your stay needs one)About Rs. 3,000
10-day total (budget to mid-range)Rs. 80,000 to Rs. 1,00,000
Show More Show Less

How much does a 10-day trip cost for two?

For a couple, double the per-person figures. A 10-day budget to mid-range trip for two costs about Rs. 1,60,000 to Rs. 2,00,000.


Cost itemFor two travellers
Round-trip flightsRs. 50,000 to Rs. 90,000
Travel insuranceRs. 3,000 to Rs. 6,000
10-day totalRs. 1,60,000 to Rs. 2,00,000

Sharing one room helps. At the room rates in the next section, a shared room costs the same whether one or two people stay.

Show More Show Less

How do hostels and resorts compare over 10 nights?

Stay typeRate per night10 nights
HostelFrom Rs. 1,000From Rs. 10,000
ResortRs. 5,000 or moreRs. 50,000 or more

The difference is at least Rs. 40,000 over 10 nights. Mixing the two, such as hostels in cities and two resort nights on an island, keeps the Philippines trip cost from India closer to the lower end.

Show More Show Less

Do Indians need a visa for the Philippines?

Eligible Indian nationals can visit the Philippines visa-free for up to 14 days for tourism. The rule took effect on 8th June, 2025, under Bureau of Immigration Memorandum Circular No. 2025-003. A 10-day trip fits inside this window.


Your situationEntry rule
Indian passport only, tourism, up to 14 daysVisa-free; stay cannot be extended
Indian passport plus a valid US, Japan, Australia, Canada, Schengen, Singapore or UK visa or residence permitVisa-free for up to 30 days; cannot be extended
Longer stays or non-tourism visitsApply for a visa; the fee is about Rs. 3,000

For visa-free entry, carry a passport valid for at least six months beyond your stay. You also need a return or onward ticket. Travellers on the 14-day route need a confirmed hotel booking and proof of funds. Check the latest rules with the Embassy of the Philippines before you book.
 

Show More

How much do flights to the Philippines cost?

Round-trip flights from India cost Rs. 25,000 to Rs. 45,000 per person. The price depends on the season and when you book. For a couple, airfare alone reaches Rs. 50,000 to Rs. 90,000. Booking early helps you stay near the lower end of that range.

Show More

What do stays and insurance cost?

Hostels start at Rs. 1,000 a night. Resorts cost Rs. 5,000 or more a night. Over 10 nights, that gap is at least Rs. 40,000 per room.


Travel insurance costs about Rs. 1,500 to Rs. 3,000 per person. It covers events such as medical emergencies and trip cancellations. Compare policies and check the cover limits before you buy.

Show More

Should you save or borrow for a Philippines trip?

You do not have to fund the whole trip with a loan. A common approach is to pay part from savings and borrow only the gap. That keeps your equated monthly instalment (EMI) and total interest lower.


ApproachSuits you ifTrade-off
Pay fully from savingsYou can rebuild savings within a few monthsSmaller emergency cushion
Split: savings plus a loanYou want to keep some savings intactYou pay interest on the borrowed part
Borrow the full amountSavings are committed elsewhereLarger EMI and more interest
Show More

How can a personal loan fund your Philippines trip?

A personal loan is an unsecured loan: you borrow a fixed sum without pledging an asset and repay it in EMIs. Each EMI covers part of the principal and the interest due on the outstanding balance. When you use one for a trip, it is often called a travel loan.


A Bajaj Finance personal loan for travel can cover flights, stays and activities. You repay in fixed monthly instalments.


FeatureBajaj Finance Personal Loan
Loan amountRs. Rs. 40,000 to Rs. Rs. 55 lakh
Interest rate10% to 30.5% per annum, subject to eligibility
Tenure12 months to 108 months (1 years to 9 years)
DisbursalWithin 24 hours* of approval, subject to verification
CollateralNot required

*Terms and conditions apply.


The processing fee is up to 4.13% of the loan amount, inclusive of applicable taxes. Apply online through the personal loan application process. Approval depends on eligibility, verification and credit assessment.

Show More

What will a Philippines trip loan cost each month?

Worked example: Sameer and his wife from Hyderabad

Sameer is 35 and works as a salaried software consultant in Hyderabad. He earns Rs. 72,000 a month and has a CIBIL score of 755. He plans a 10-day budget trip for two, which costs about Rs. 1,60,000 at Rs. 80,000 each. He pays Rs. 40,000 from savings and borrows Rs. 1.2 lakh at an illustrative 13% per annum.


EMI = P × R × (1 + R)^N ÷ [(1 + R)^N − 1], where R is the monthly rate and N is the tenure in months. All figures are rounded to the nearest rupee.


TenureMonthly EMITotal interest
24 months (2 years)Rs. 5,705Rs. 16,920
36 months (3 years)Rs. 4,043Rs. 25,558

The 36-month option lowers the EMI by Rs. 1,662 but costs Rs. 8,638 more in interest. The processing fee on Rs. 1.2 lakh is up to Rs. 4,956.

Sameer picks 24 months (2 years), because Rs. 5,705 is under 8% of his salary. Paying Rs. 40,000 upfront saved him from borrowing the full Rs. 1.6 lakh.


What can delay approval: a CIBIL score below 650, high existing EMIs relative to income, mismatched document details or several recent loan applications. Allow time for verification before you pay for flights.

Show More

What budgeting mistakes should you avoid?

  1. Planning a stay longer than 14 days without a visa: The visa-free stay cannot be extended. Apply for a visa if your trip runs longer.
  2. Forgetting proof of funds: Travellers on the 14-day route may need to show proof of financial means at entry.
  3. Booking resorts for every night: Ten resort nights add at least Rs. 50,000 per room.
  4. Borrowing the whole trip cost: Pay what you can from savings and borrow only the gap.
Show More

How do you plan your Philippines trip from here?

  1. Set your travel style: Decide between hostels and resorts, since this moves your total the most.
  2. Check entry rules: Confirm whether your trip fits the 14-day visa-free window.
  3. Book flights early: Aim for the Rs. 25,000 end of the fare range.
  4. Decide your split: Work out how much comes from savings and how much to borrow.
Show More

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.

Not your nearest branch?

Banner_NEW_Storelocator_XAOP_App_27072026.png

Frequently asked questions

Entry and planning

Funding the trip

Can you stay longer than 14 days without a visa?

Only if you hold a valid US, Japan, Australia, Canada, Schengen, Singapore or UK visa or residence permit. In that case, eligible Indian nationals can stay visa-free for up to 30 days. Neither visa-free stay can be extended or converted. For a longer trip, apply for a Philippine visa before you travel, and check the latest rules with the Embassy of the Philippines.

Travel insurance costs about Rs. 1,500 to Rs. 3,000 per person and covers events such as medical emergencies, trip cancellations and lost belongings. Medical costs abroad can far exceed the premium. Compare policies from several insurers and check the cover limits and exclusions. Island-hopping trips add travel days, so make sure the policy covers domestic flights and boat transfers.

At an illustrative 13% per annum, a Rs. 1.2 lakh loan costs Rs. 5,705 a month over 24 months (2 years). Over 36 months (3 years), the EMI drops to Rs. 4,043, but total interest rises from Rs. 16,920 to Rs. 25,558. The processing fee adds up to Rs. 4,956. Your actual rate depends on your eligibility.

No, a Bajaj Finance Personal Loan needs no collateral or guarantor. Approval depends on eligibility, verification and credit assessment. Listed criteria include Indian nationality, an age of 21 years to 80 years and a CIBIL score of 650 or higher. You may need Know Your Customer (KYC) documents, salary slips and bank statements to complete your application.

Show More Show Less

Related articles

Article 1

Places to visit in Turkey

Jul 14, 2026

Read More

 Article 2

Places to Visit in Seoul

Apr 30, 2026

Read More

 Article 3

E-Aadhaar Card: All You Wanted to know

Aug 31, 2026

Read More

 Article 4

Why Should You Use Bajaj Finance Personal Loan to Finance Your Next Vacation?

Aug 31, 2026

Read More

You are here

Related Links

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