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Getting an instant personal loan of ₹25,000 is now simple and convenient Bajaj Markets. You can choose from offers by multiple loan providers on the portal to find an option that best suits your needs. 

 

Furthermore, you can benefit from a flexible tenure of up to 60 months as well as low interest rates starting from 14% p.a. Your CIBIL score is an important factor in loan approval as well, as a higher score could help you secure better loan terms. 

 

Use the personal loan EMI calculator available on Bajaj Markets to compare repayment plans at different tenures and pick the most suitable one.

Calculate the EMI for a Personal Loan of ₹25,000

Loan Amount
Tenure
Months
Rate of Interest
Personal Loan
Your Monthly Personal Loan EMI
Principal Amount
Total Interest
Total Amount Payable
Amortization Schedule
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Year Payable Amount Principal Interest Balance

Lenders Offering Personal Loans of ₹25,000 on Bajaj Markets

Multiple lending partners on Bajaj Markets offer personal loans of ₹25,000 with competitive interest rates and flexible repayment options. The table below highlights some of the top issuers. Compare their offers to identify the one that aligns with your financial requirements:

Lender

Max. Tenure

Min. Interest Rate 

Kissht

24 months 

14% p.a.

KreditBee

24 months 

14% p.a.

PaySense Partners

60 months 

14% p.a.

Finnable 

60 months 

15.95% p.a.

InCred 

60 months 

16% p.a.

Upwards 

36 months 

18% p.a.

MoneyTap

36 months 

18% p.a.

Olyv 

12 months 

18% p.a.

Zype 

12 months 

18% p.a.

mPocket

3 months

24% p.a.

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

EMI for a Personal Loan of ₹25,000 Over Varying Tenures

Your EMI for a ₹25,000 personal loan depends on the repayment tenure you select. The table below illustrates how your EMI varies, at an interest rate of 14%, across different tenures. 

Tenure

EMI Amount

Total Interest Payable

Total Repayment Cost

1 Year (12 Months)

₹2,245

₹1,936

₹26,936

2 Years (24 Months)

₹1200

₹3,808

₹28,808

3 Years (36 Months)

₹854

₹5,760

₹30,760

4 Years (48 Months)

₹683

₹7,792

₹32,792

5 Years (60 Months)

₹582

₹9,902

₹34,902

Disclaimer: Note that these are approximate values and are meant only for illustration. For actual EMI values, reach out to your lender.

Fees and Charges for a Personal Loan of ₹25,000 Available on Bajaj Markets

There are additional charges you may need to pay along with the EMI and interest rate. The details are provided below.

Fees and Charges

Details

Processing Fees

Up to 12% of the loan amount 

Foreclosure Charges

Up to 5% of the amount  

Disclaimer: The above-mentioned details are subject to change at the lender’s discretion.

How to Calculate Your Personal Loan EMI

Here is how you can calculate your Personal Loan EMI:

 

EMI = [P x R x (1+R)^N] / [(1+R)^N-1]

 

Where:

  • P = Loan amount

  • R = Monthly interest rate (Annual interest rate/12/100)

  • N = Loan tenure in months

     

To calculate it, assume the loan amount is ₹25,000 with an interest rate of 14% per annum for 6 months. The EMI will be ₹4,338. The total interest paid will amount to ₹1,030, and the total repayment will be ₹26,030.

Amortisation Table for a Personal Loan of ₹25,000

If you are taking a personal loan of ₹25,000 with an interest rate of 14% p.a. for a 6-month tenure, you will be paying the amounts per month mentioned in the table below. 

Month

Payable Amount

Principal

Interest

Balance

Month 1

₹4,338

₹4,047

₹292

₹20,953

Month 2

₹4,338

₹4,094

₹244

₹16,859

Month 3

₹4,338

₹4,142

₹197

₹12,717

Month 4

₹4,338

₹4,190

₹148

₹8,527

Month 5

₹4,338

₹4,239

₹99

₹4,288

Month 6

₹4,338

₹4,288

₹50

₹0

Disclaimer: These are approximate values and are meant for illustration only. For actual EMI values, reach out to the lender.

Impact of Pre and Post-Personal Loan Approval on CIBIL Score

Personal loans can impact your CIBIL score and financial profile in different ways. Here is how:

  • Pre-approval Impact

When you apply for a personal loan, the lender checks your credit report through a hard inquiry. This may slightly lower your CIBIL score temporarily.

  • Post-repayment Impact

Making timely EMI payments improves your credit score, proving your ability to manage debt responsibly. This helps in getting better loan offers in the future.

Uses of a Personal Loan of ₹25,000

A ₹25,000 personal loan provides quick financial support for various planned and unexpected expenses. Here are some common ways to use it:

  • Medical Emergencies

This loan covers hospital bills, doctor's fees, medicines, and diagnostic tests. It ensures immediate treatment without financial difficulties.

  • Home Repairs

Unexpected repairs, such as plumbing leaks, electrical faults, or roof damage, can be expensive. The loan allows you to manage these costs while keeping your home safe and functional.

  • Education Expenses

Use this loan to pay tuition fees, buy books, or enrol in a professional course. It helps students and professionals continue their education without disruptions, supporting career growth.

  • Travel Plans

Fund your trip, including flight tickets, hotel stays, and sightseeing. Instead of postponing, you can travel now and repay later, making travel more accessible without financial pressure.

  • Other Urgent Expenses

This loan covers car repairs, relocation costs, or essential household purchases. It provides financial flexibility during unexpected situations without affecting your savings.

  • Renovation or Relocation

Use this loan for home renovations, including flooring, painting, and furniture upgrades. It also helps with relocation expenses, making moving to a new city more manageable.

Frequently Asked Questions

How can I get an instant personal loan of ₹25,000?

You can get an instant personal loan of ₹25,000 on Bajaj Markets. For this, follow the simple steps listed below:

  • Click on the ‘APPLY NOW’ option on this page

  • Provide your personal and professional information

  • Select the lender you wish to get the loan from

  • Enter the preferred tenure and loan amount

  • Submit the application

  • After this, a representative will reach out to you for further proceedings.

What is the EMI for a loan of ₹25,000?

Your EMI depends on the tenure. Below are the EMI details for a ₹25,000 loan across varying tenures at a 14% interest rate:

  • 3 Months: EMI ₹8,529

  • 6 Months: EMI ₹4,338

  • 12 Months: EMI ₹2,245 

  • 24 Months: EMI ₹1,200 

  • 36 Months: EMI ₹854 

  • 48 Months: EMI ₹683 

  • 60 Months: EMI ₹582

What is the interest rate levied on a personal loan of ₹25,000?

The interest rate levied on your personal loan of ₹25,000 starts from 14% p.a. The rate of interest varies from one lender to another and is determined based on your loan eligibility.

Can I get a loan of ₹25,000 without collateral?

Yes, personal loans are unsecured loans and are granted without any collateral or security on Bajaj Markets.

Which is the best bank for a personal loan of ₹25,000?

Some popular lenders that you get a personal loan of ₹25,000 from on Bajaj Markets include:

  • Kissht

  • KreditBee

  • PaySense Partners

  • Finnable 

  • InCred 

  • Upwards 

  • MoneyTap

  • Olyv 

  • Zype 

  • mPocket

What will happen if I default on my personal loan of ₹25,000?

In case you default on your personal loan of ₹25,000, you will have to pay late payment charges, and your credit score will take a toll.

Can I get a personal loan of ₹25,000 without income proof?

Most lenders would not offer you a personal loan without income proof. You can submit any of the following documents as proof of income while applying for a personal loan: salary slip, IT return certificate, Form 16, bank statement, etc.

What is the repayment tenure for an instant personal loan of ₹25,000?

The repayment tenure for an instant personal loan of ₹25,000 typically ranges from 3 months to 60 months on Bajaj Markets.

Is it possible to get a loan of ₹25,000 without providing any documents?

Lenders on Bajaj Markets typically require documents such as identity, address, and income proof to determine your eligibility. However, some lenders, including Zype, provide loans by verifying your details using only your Aadhaar card or PAN card.

How to get ₹25,000 immediately?

Apply for a personal loan on Bajaj Markets and receive funds quickly. Trusted lenders like Kissht, KreditBee, PaySense Partners, Finnable and more disburse loans within minutes of approval.

Who is eligible for a ₹25,000 loan?

To apply for a ₹25,000 personal loan on Bajaj Markets, you must meet the following criteria:

  • Citizenship: Indian citizenship

  • Employment: Salaried or self-employed individual

  • Age: Above 18 years

  • Minimum income: ₹10,000 per month

  • CIBIL score: 600 or above

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