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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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

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FAQs

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What our customers say

Best marketplace to shop for loans

I highly recommend Paisabazaar app to everyone looking out for personal loans. The customer support is so supportive and follows up with you throughout the loan process.

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Shweta SinghNov 13, 2025

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Pre-approved offers

I logged in to Paisabazaar app and saw pre-approved offers as per my credit profile from different lenders. I could avail the offer easily and got quick disbursal in as less as 24 hours without any hassle.

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Sunanda MishraSep 28, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025
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