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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important non-deposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
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2,00,000+
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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹25,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Reasons To Get a Personal Loan of ₹25,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹25,000. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹25,000 Personal Loan pocket-friendly.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments.
Quick Sanctions
Get the funds transferred to your account within 24 hours of applying for the loan.
Facility to add a co-applicant
Adding a co-applicant to the ₹25,000 Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Interest Rates Available for
Personal Loans of ₹25,000
Find out the interest payable on the Personal Loan of ₹25,000 to plan your repayments effectively.
Loans up to 12 months| Loan Type | Interest |
|---|---|
| The Short Term Reference Rate (STRR) | 19.45% p.a. w.e.f.from March 1, 2024 |
Loans more than 12 months| Loan Type | Interest |
|---|---|
| The Long Term Reference Rate (LTRR) | 20.45% p.a. w.e.f. from March 1, 2024 |
Who Can Apply For a Personal Loan of ₹25,000?
Find out if you are eligible to apply for a ₹25,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹25,000 In 5 Easy Steps
Eligibility Criteria for Personal Loans of ₹25,000
Are you eligible for a ₹25,000 Personal Loan? Check whether you meet the criteria.
Documents Needed
- Proof of identity and address Passport / Aadhaar Card/ Voter's ID / Driving License/ Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
- Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
- Bank statement where income is credited Last 6 months
- Proof of other income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
Fees and Charges for Personal Loans of ₹25,000
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual, if applicable |
| Pre-closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual, if applicable |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
ABC Of Calculators
Your estimated EMI amount
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*
BALANCE TRANSFER LOAN
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Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
Different financial needs, different loans, one app - ABCD
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
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Range of loan options for different needs
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Quick sanctions and disbursals
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Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.
FAQs on Personal Loans of ₹25,000
You can get a Personal Loan of ₹25,000 if you fulfil the eligibility parameters and submit the necessary documents.
The factors that determine the interest rate for a ₹25,000 Personal Loan include the following -
• Lender’s interest rate policy
• Macro interest rates
• Your credit score
• Other eligibility parameters
Taking a ₹25,000 Personal Loan adds to your credit portfolio and increases credit utilisation. This reduces your credit score in the short term. However, if you repay your loan on time, you can build your credit score in the long run.
You can increase the loan amount at the time of application if you require more than ₹25,000. Once the loan is sanctioned, you cannot increase the amount. In such cases, you can take another loan for additional financial needs. Moreover, the increase in the loan amount will be allowed only if you qualify for teh same. You can use the loan eligibility calculator to find the maximum loan amount that you can get and then increase the amount accordingly.
If your loan application gets rejected, you do not get the funds. In such cases, you can find the reasons for the loan rejection. If the rejection happens because of incomplete documentation, you can submit the missing documents and get the funds sanctioned. However, if the rejection happens because of non-fulfilment of the eligibility criteria, you will have to improve your eligibility before applying for the loan again.
You can apply for multiple Personal Loans of ₹25,000 at the same time. However, multiple applications impact your credit score negatively. So, keep this point in mind when applying simultaneously.
Yes, you can apply for a ₹25,000 Personal Loan if you are self-employed as long as you fulfil the other eligibility criteria of the loan.
Defaulting on the ₹25,000 Personal Loan has the following consequences -
• You incur a late payment fine when you pay the EMI after the due date
• The interest expense keeps adding up on the outstanding amount
• Your credit score is hampered
The EMI of the ₹25,000 Personal Loan depends on the repayment tenure and the interest rate charged. You can use the online EMI calculator to find the prospective EMI of the ₹25,000 Personal Loan.
If you have a steady source of income and qualify on the other eligibility parameters of the loan, you can get a Personal Loan of ₹25,000. You can use the eligibility calculator to find the maximum loan amount you can get with a salary of ₹15,000.
No, collateral security is not needed for the loan because it is unsecured.
Your income proof is required to get the ₹25,000 Personal Loan because it establishes the source and amount of income. So, you must submit an income proof or Salary Slip to get the loan sanctioned.
The repayment tenure for a ₹25,000 Personal Loan is up to 84 months.