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.

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

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

Get a personal loan of Rs 25 lakh instantly

With flexible terms and competitive rates, you can secure a Rs. 25 lakh loan, with an interest rate that fits your budget. Whether you're planning a wedding, funding education, or managing unexpected expenses, a personal loan can provide the necessary funds quickly. You can apply for a personal loan online through various platforms, ensuring a hassle-free experience.


✅  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. 40000 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Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.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 96 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 Finserv Personal Loan once you meet the five simple eligibility criteria mentioned below:


    • 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.

  • Documents required for a personal loan of Rs. 25 lakh

    The personal loan documents can vary from lender to lender. Below are the documents that are required when applying for a Bajaj Finserv Personal Loan:
     

    • 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. 

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

Below is the approximate breakdown of the EMI for Rs. 25 lakh personal loan:

ParticularsDetails
Loan AmountRs. 25 lakh personal loan
TenureUp to 5 years
Interest Rate10% p.a.
EMIThe Rs. 25 lakh personal loan EMI for 5 years at 10% is around Rs. 53,118.
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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.

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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

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 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 levied on each instance in the event of: (i) dishonour of any payment instrument irrespective of whether the customer subsequently makes the payment through an alternate mode or channel on the same day; and/or (ii) non-payment of instalment(s) on their respective due dates where any payment instrument is not registered/furnished; and/or (iii) rejection or failure of mandate registration by the customer’s bank.

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) 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-
• 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 0.472% (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 0.472% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure

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