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Personal Loan for Rs 25,000 Salary

If you earn a monthly salary of Rs 25,000 and are exploring personal loan options, Paisabazaar lets you compare offers from 30+ lenders, including IndusInd Bank, HDFC Bank, Axis Bank, and more. You can check your eligibility, view personalized offers, and apply seamlessly

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Curated offers from 30+ lenders

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Money in your account instantly

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Offers ranked according to eligibility

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Digital Process

Hassle-free & paperless

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Personal Loan EMI Calculator

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Personal loan with a Rs 25,000 monthly salary?

Your eligibility for a personal loan depends on your credit score, existing financial obligations, work experience, employment stability, etc. Most lenders usually set a minimum in-hand monthly income of Rs 15,000 for any personal loan amount. But, if you need a higher loan amount, say Rs 5 lakh personal loan, some lenders may have a higher income eligibility criterion.

Estimated Loan Amount You Can Get on Rs 25,000 Salary

Multiplier Method

Lenders often use a multiplier method to assess your personal loan eligibility, where your Net Monthly Income (NMI) is multiplied by a fixed number (usually 10 to 24) to estimate the eligible loan amount. However, existing financial obligations also play a crucial role in determining your personal loan amount.

EMI/NMI Ratio

Lenders prefer to keep the EMI to NMI ratio 50%-55% to ensure repayment capacity and minimize credit risk. So, even if you have no debt, lenders would prefer to offer a loan amount and tenure that would keep your EMI around Rs 12,500 for a salary of Rs 25,000.

Here’s an approximate idea of how much personal loan you can get with a Rs 25,000 monthly salary:

Monthly Salary Rs 25,000
Approx Eligible Loan Amount Up to Rs 3.75 lakh (based on a 15x multiplier)
Tenure Up to 5 years
Interest Rates 9.98% p.a. onwards (depends on credit profile)

Eligibility Criteria for Personal Loan with salary Rs 25,000

While personal loan eligibility criteria differ by lender, here are the general requirements:

  • Age: 18 to 60 years
  • Stable job with a minimum of 1 year of work experience.
  • A credit score usually 750 or higher is preferred.
  • Must be employed full-time in the public/private sector or at an MNC.

Fees & Charges for Personal Loan for Salaried Applicants

Charges Description
Processing Fee 0.5% to 4% of the loan amount, capped by some lenders
Stamp Duty Charges As per actuals
Prepayment/Foreclosure Charges
  • 2% – 5% on the principal outstanding for fixed-rate loans;
  • NIL for floating rate loans
Document Retrieval charges Usually around Rs 500
Loan Cancellation Charges Usually around Rs 3,000
Duplicate NOC Usually around Rs 300-Rs 500
Loan Statement Charges Up to Rs 500 per statement
Repayment mode swap charges Around Rs 500 per transaction
Documentation Charges Around Rs 500
Cheque Bouncing or Failed Standing Instruction Charges Up to Rs 500 – Rs 750 per instance
Penal Charges - EMI overdue Usually 2% to 3% per month
GST Applicable to all processing fees and charges

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Documents Required for Personal Loan with a Salary of Rs 25,000

General personal loan documents

  • Passport-sized photographs
  • Identity Proof: Aadhaar Card/Passport/PAN Card/ Voter’s ID/Driving License
  • Address Proof: Passport/ Aadhaar Card/ Electricity Bills (not more than 3 months old)/ Driving License
  • Income Proof: Salary Slips/Form 16/Bank Account Statement

For Instant Personal Loans

Instant personal loans are completely digital, with no physical documents required. For instance, IndusInd Bank (Paisabazaar partner) offers online instant personal loan with a 100% digital application wherein you just need to keep your Aadhaar Card number and PAN number handy, share your bank account details for disbursement and complete video KYC.

How to Improve Your Loan Approval Chances

If you are earning Rs 25,000 p.m., here are tips to improve your chances of getting a personal loan:

  • Check the eligibility criteria before applying for a personal loan from any bank or NBFC.
  • Maintain a good credit score of 750 or above.
  • Submit accurate and recent required documents such as recent salary slips, address proof.
  • Avoid enquiring with multiple lenders within a short span.
  • Adding a co-applicant can lower the credit risk for the lender, as the co-applicant also becomes accountable for the timely repayment of the loan.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

While lenders consider multiple factors like income, employer profile, and job stability, your credit score remains a primary factor for personal loan approval. Since personal loans are unsecured and involve no collateral, lenders use credit scores as an important filter to assess creditworthiness.

Usually, lenders prefer a credit score of 750 or above for a personal loan application for any loan amount. A lower credit score may result in a higher personal loan interest rate or application rejection.

You can get a loan of up to Rs 3.75 lakh (considering a 15x multiplier), depending on your credit profile and the lender’s policies.

Most personal loans are unsecured and do not require a guarantor, especially for small loan amounts.

If you have a stable job and the company is not on the negative list of a respective lender, you are eligible for a personal loan of any loan amount.

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What our customers say

Personal Loan

Maine Paisabazaar se personal loan apply kiya or Jaldi approval bhi mil gaya aur zyada documents bhi nahi lage.

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Abbaz AhmedApr 10, 2025

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I was looking for Personal loan and came across this platform. I applied online and received multiple loan offers instantly and got a pre-approved offer, and the amount was disbursed within 48 hours.

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I took a personal loan from Bajaj Finserv via Paisabazaar, and it was easy! Paisabazaar made it smooth and simple. The whole process was quick and hassle-free!

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Paisabazaar se pre-approved personal loan jadi milgya.. Or 48 hours mai paisa account mai agya.. Team is very helpful

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Good experience with Paisabazaar! Loan approval hua within 48 hours aur rates bhi kaafi reasonable the.

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Last updated: 12 September, 2025

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