₹25,000 Personal Loan

A personal loan is a financial solution for covering emergency expenses, closing small existing debts and even covering medical expenses with competitive interest rates and fixed repayment tenure at regular intervals.

Buddy Loan connects you with your top reliable and RBI approved lenders to make your borrowing experience simple. Get a hassle-free ₹25000 personal loan, instantly without any security/ collateral. Learn more about ₹25,000 personal loans and the factors that help you improve your credit score with it.

₹25,000 Personal Loan Interest Rates & Charges

Banks and NBFCs offer personal loan interest rates based on various factors, including monthly income, credit score, job profile, and employer's profile. Here are the interest rates and charges for a ₹25,000 personal loan.

Interest Rate 11.99%* p.a. onwards
Processing Fee 2% - 4% of the loan amount (depending on the lender you choose)
Loan Tenure Up to 5 years
Age From 21 to 55 Years
Collateral It is a 0 collateral loan
Note: The interest rates are dynamic and subject to change based on your credit history and creditworthiness.

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₹25,000 Personal Loan Interest Rate By Banks

Personal Loan By Bank Interest Rates (p.a.)
Kotak Mahindra Bank Personal Loan 10.99% onwards
SBI Personal Loan 11% onwards
HDFC Personal Loan 10.50% onwards
Bank of Baroda Personal Loan 10.90% onwards
PNB Personal Loan 10.40% onwards

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₹25,000 Personal Loan Interest Rate By NBFCs

Personal Loan by NBFCs Interest Rates (p.a.)
Upwards Personal Loan 9% onwards
Zype Personal Loan 9.5% onwards
Faircent Personal Loan 9.99% onwards
Loanbaba Personal Loan 10.99% onwards
Fullerton Personal Loan 11.99% onwards

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Calculate EMI for ₹25,000 Personal Loan

An EMI Calculator tool helps you build credibility by opting the EMI amount with competitive interest rate and making way for flexible repayment option. Thus, you may increase your chances of getting better credit opportunities in the future.

Use the ₹25000 loan EMI calculator to make it easier for you to access credit in the future.

Monthly EMI 86
Principal Amount 1,000
Total Interest 32
Total Amount 1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Eligibility For ₹25,000 Personal Loan

Before you apply for a loan, ensure that you meet the necessary criteria mentioned by the lender. The eligibility criteria for a personal loan of ₹25,000 may vary from lender to lender. However, here is an overview of the criteria that you need to know:

  • Citizenship: Indian citizens are eligible to apply for a personal loan of up to Rs ₹25,000
  • Age: The minimum age requirements are 21 to 55 years.
  • Employment: The applicant must have full-time employment in either the government or private sector for at least 1 year.
  • Income: The net monthly income must be above ₹5,000.
  • Credit Score: The applicant must have a credit score above 685 or higher.

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Documents Required For ₹25,000 Personal Loan

Once you meet the eligibility criteria, you will have to submit the necessary documents for loan approval. Here is a list of documents required for a ₹25,000 personal loan:

  • Identity Proof: This includes a PAN Card, passport, driving license, Aadhaar card, voter's ID card, etc.
  • Address Proof: Aadhaar card, driving license, voter's ID card, passport, or any other valid proof.
  • Income Proof: Last 2 months' salary slips, Form 16, income tax returns, and 6 months' bank statement of the salary account.
  • Photographs: Two recent passport-size photographs are to be submitted with the loan application.

Get ₹25,000 Personal Loan on Aadhaar Card

Now you can use your Aadhaar card to avail a personal loan of Rs. 25000 with simplified process making it easier to apply:

Step 1: Check your eligibility criteria based on factors such as age, income, credit score & place of residence.

Step 2: Submit your Aadhaar card as proof of identity for the lender’s e-KYC use to make the process easiest than ever.

Step 3: Now, apply for a loan online either through the lender’s platform or through the mobile app such as loan amount repayment tenure & loan purpose.

Step 4: Submit your documents and await approval for your loan application of Rs. 25,000 personal loan. (Documents needed: banks statements, salary slips & PAN Card to support your loan application.)

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Reasons to Avail ₹25,000 Personal Loan

A personal loan of Rs.25,000 allows you to meet a broad range of financial needs and transform your aspirations into reality. You can take an instant personal loan for the following reasons:

Loan Type Purpose
Medical Emergency Assistance in covering medical expenses during emergencies.
Travel Financing for travel-related expenses such as flights, accommodations, local transport, and entertainment activities.
Marriage Funding for immediate expenses related to marriage arrangements.
Home Improvement Financial support for home improvement projects including painting, minor repairs, remodeling, or purchasing equipment for the house.
Debt Consolidation Consolidation of small debts to improve credit score and manage unexpected expenses.

Steps to Apply for ₹25,000 Personal Loan

To obtain an instant personal loan of ₹25,000 in minutes, you can consider the following steps:

  • Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
  • Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
  • Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
  • Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
  • Step 5: Enter your work details (Including company name, years of service and Designation)
  • Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
  • Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

Ready to take the next step? Apply for a ₹25,000 loan now!

Features & Benefits of Personal loan

The features of a personal loan typically include:

  • Unsecured Nature: Personal loans are often unsecured loans, meaning they don't require collateral. This can make them more accessible to a wider range of borrowers.
  • Fixed or Variable Interest Rates: Personal loans may have fixed or variable interest rates. Fixed rates remain constant throughout the loan term, while variable rates can fluctuate based on market conditions.
  • Flexible Usage: Borrowers can typically use personal loan funds for various purposes, such as debt consolidation, home improvement, medical expenses, or major purchases.
  • Structured Repayment: Personal loans usually have a fixed repayment schedule, with monthly installments over a specified period.
  • Quick Approval and Disbursement: Many lenders offer fast approval and disbursal of personal loan funds, making them suitable for addressing immediate financial needs.

The benefits of a personal loan include:

  • Financial Flexibility: Personal loans provide a source of funds that can be used for a wide range of purposes, offering borrowers financial flexibility.
  • Consolidation of Debt: Personal loans can be used to consolidate high-interest debt into a single, more manageable loan with potentially lower interest rates.
  • Predictable Payments: With fixed monthly payments, borrowers can plan their budget more effectively, knowing exactly how much they need to pay each month.
  • Building Credit: Responsible repayment of a personal loan can help improve a borrower's credit score over time.

These features and benefits can vary depending on the specific terms offered by different lenders, so it's important to carefully compare options before choosing a personal loan.

Modes of ₹25,000 Personal Loan Repayment

The repayment of a ₹25,000 personal loan can typically be done through the following modes:

  • EMI (Equated Monthly Installments): Most personal loans are repaid through EMIs, which are fixed monthly payments comprising both principal and interest. The EMI amount is calculated based on the loan amount, interest rate, and tenure.
  • Post-Dated Checks: Some lenders may require borrowers to provide post-dated checks for the entire loan amount or for the EMI amounts. The lender deposits these checks on the specified dates for repayment.
  • Auto-Debit Facility: Many lenders offer the option to set up an auto-debit facility, where the EMI amount is automatically deducted from the borrower's bank account on a specified date each month.
  • Online Payments: Borrowers can make loan repayments through online banking portals, mobile banking apps, or the lender's website using electronic fund transfer (EFT), NEFT, RTGS, or other online payment methods.
  • Cash Payments: Some lenders may allow borrowers to make cash payments at their branch offices or through authorized payment centers.

It's important to choose a repayment mode that aligns with your convenience and ensures timely repayment to avoid any penalties or negative impact on your credit score.

Ready to take the next step? Apply for a Personal loan now!

Frequently Asked Questions

Getting a loan of ₹25,000 without income proof may be difficult, as most lenders require income verification for loan approval.

You can apply for an instant personal loan online through Buddy Loan. It connects you to the top-trusted lenders that offer personal loans that best suit your needs.

The EMI for a ₹25,000 personal loan depends on the interest rate and the loan tenure chosen. You can also calculate your EMI using a personal loan EMI calculator.

The minimum credit score required for a personal loan of ₹25,000 varies among lenders, but generally, a credit score above 685 improves your chances of approval.

It is highly unlikely to get a ₹25,000 loan without any documents as lenders need to assess your creditworthiness and identity.

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