Personal Loan of Rs. 25 lakh

Personal Loan of Rs. 25 lakh

Check your eligibility for personal loan of Rs. 25 lakh with your phone and OTP - no branch visit needed.
Loan Types

Loan Types

Calculator

Calculator

FAQs

FAQs

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Rs. 40,000 - Rs. 55 lakh

Calculate your EMIs

You may be eligible for a pre-approved offer

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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% 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, choosing a personal loan of Rs. 25 lakh can be a practical and reliable solution. A loan of Rs. 25,00,000 can help you manage large expenses such as home renovation, medical treatment, higher education, or an international holiday without disturbing your regular savings.


One of the biggest advantages of a personal loan of Rs. 25 lakh is its flexibility. You are not required to provide collateral, and you can use the funds for multiple personal needs. Planning your repayments in advance by checking your EMI for a loan of Rs. 25 lakh (Rs. 25,00,000) can also help you stay within your monthly budget and avoid financial strain.


Many lenders now offer quick application processes and minimal documentation for a personal loan of Rs. 25 lakh, making it easier to access Rs. 25,00,000 when time is critical. With faster approvals and convenient repayment tenures, a loan of Rs. 25 lakh allows you to manage high-value needs smoothly and confidently.


Take the next step towards your financial plans with a well-structured personal loan of Rs. 25 lakh of Rs. 25,00,000 designed to support your big goals.

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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

  • 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

Your Rs. 25 lakh personal loan EMI depends on the applicable interest rate and the repayment tenure you choose. Calculating your EMI before applying helps you estimate your monthly repayment and choose a loan tenure that fits your budget. An EMI calculator can also help you compare different repayment options and make an informed borrowing decision. The table below provides illustrative EMI values for a Rs. 25 lakh loan with a repayment tenure of up to five years.

Interest rate (per annum)Repayment tenureApproximate monthly EMI
10%5 years (60 months)Rs. 53,118
12%5 years (60 months)Rs. 55,612
15%5 years (60 months)Rs. 59,474
18%5 years (60 months)Rs. 63,485
20%5 years (60 months)Rs. 66,247

Note: The above EMI values are illustrative and may vary based on the applicable interest rate, loan terms, and lender assessment. Use the Bajaj Finance Personal Loan EMI Calculator to estimate your  Rs. 25 lakh lpersonal oan EMI based on your preferred loan amount, interest rate, and repayment tenure.

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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 refer to the cost of borrowing money from a lender, expressed as a percentage of the loan amount. The interest rate on personal loan can vary widely based on factors such as the borrower’s credit score, income, loan amount, and repayment term. Generally, higher credit scores lead to lower interest rates, while lower scores may result in higher rates. Personal loans can be unsecured, meaning they don’t require collateral, which often leads to higher interest rates compared to secured loans. Understanding personal loan interest rates is crucial for borrowers to make informed decisions about their financing options. Here are a few key factors and charges that can influence the overall cost of your personal loan.


ChargesDetails
Interest rateUsually ranges from 10% to 30% p.a. , depending on eligibility and lender policies
Processing feeUp to 3.93% of the loan amount (inclusive of applicable taxes). 
Loan tenureTypically ranges from 12 months to 108 months
Bounce chargesRs. 700 to Rs. 1,200/- per bounce
Prepayment/foreclosure chargesUp to 4.72% (Inclusive of applicable taxes) 
Stamp duty (as per respective state) Payable as per state laws and deducted upfront from loan amount
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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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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. Click on ‘Check Eligibility’ on this page
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. 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 loan amount that you need.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC Verification and submit your application.
       

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

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

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Key offerings: 3 loan types

  • Flexi Hybrid Term Loan
  • Flexi Term (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% p.a.

Processing fees

Up to 3.93% 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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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