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Personal Loan for Rs 25,000 Salary

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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
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%

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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

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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

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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