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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
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1,740
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68,400
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2,00,000+
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INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
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Get a ₹25 Lakh Personal Loan – High Loan Amount, Instant Approval
A personal loan of ₹25 lakh is an excellent financial solution for significant expenses like home renovations, medical emergencies, higher education, business expansion, or even debt consolidation. This high-value loan comes with competitive interest rates, flexible repayment options, and instant approval, ensuring you get the funds you need without pledging any collateral.
Whether you're planning a wedding, making a big purchase, or covering urgent expenses, this unsecured loan offers hassle-free disbursal and tenures of up to 5 years to fit your financial plans.
Calculate Your Personal Loan EMI Premium
Wondering how to calculate your personal loan emi premium? We have a handy tool for it.
Our Personal Finance Products
Find a wide range of solutions for all your financing needs.
Enjoy low personal loan interest rates for affordable repayments. Choose Aditya Birla Capital Personal Loans and instantly find your loan's expected EMI.
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.
Features of a ₹25 Lakh Personal Loan
High Loan Amount
Get up to ₹25 lakh to meet your major financial needs.
Instant Approval
Enjoy quick loan approval within minutes.
Flexible Repayment Tenure
Choose a repayment period between 12 to 60 months.
No Collateral Required
This is a 100% unsecured loan—no need to pledge assets.
Competitive Interest Rates
Affordable EMIs with attractive interest rates.
Easy Online Application
Apply digitally in just a few clicks.
Minimal Documentation
Submit only basic KYC and income proof.
Quick Disbursal
Funds are credited to your bank account within 24-48 hours.
Multi-Purpose Loan
Use the funds for education, travel, business, or emergencies.
Customised Repayment Options
Select a tenure that aligns with your financial goals.
Eligibility Criteria for Personal Loans of ₹25 Lakh
Documents Required for ₹25 Lakh Personal Loan Online
For Salaried Individuals
- Identity Proof : Aadhaar Card, PAN Card, Passport.
- Address Proof : Utility bill, Driving license, Voter ID.
- Income Proof: Salary slips (last 3 months), Bank statements (last 6 months).
For Self-Employed Individuals
- KYC Document : Aadhaar Card, PAN Card, Passport.
- Income Proof: ITR (last 2 years), Business registration proof.
- Bank Statement: 6-month bank statement for income verification.
Eligibility Criteria for ₹25 Lakh Personal Loan Online
- Age : Applicants must be between 21 and 60 years old.
-
Income Requirement
Salaried: Minimum monthly salary of ₹50,000.
Self-Employed: Minimum annual turnover of ₹6 lakh. - Employment Type : Salaried professionals, freelancers, business owners, and self-employed individuals with stable income.
- Credit Score : A credit score of 750+ is preferred for quicker approval and lower interest rates.
How to Apply for a ₹25 Lakh Personal Loan?
Visit the Website
Go to the loan application page and begin your application.
Fill Out the Form
Enter your personal, professional, and financial details.
Upload Documents
Submit your KYC and income proof digitally for verification.
Get Instant Approval
Once verified, your loan gets approved within minutes.
Receive Funds
The approved loan amount is disbursed to your bank account within 24-48 hours.
Revision of Reference Rates for determining Interest Rates on loans given
A high credit score signals reliability to lenders and can help you get lower personal loan interest rates.
High existing debt can lead to higher interest, as lenders see more risk in lending to heavily indebted borrowers.
Stable income and employment history make you eligible for personal loans with low interest rates, as lenders perceive lower risk.
Different banks and NBFCs have varying interest rate structures, so comparing offers helps identify the personal loan minimum interest rate available to you.
Larger loans or longer repayment tenures may attract slightly higher personal loan rates due to increased risk.
Fees and Charges for Personal Loans of ₹25 Lakhs
| 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. |
Interest Rate for
₹25 Lakh Personal Loan
Interest rates depend on various factors like credit score, income, and loan tenure. Check with the lender for the best available rates.
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 |
Customer Satisfaction Stories
Hear from our customers what they have to say about their experience.
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
Ashesh Shah
Aditya Birla Capital Limited
Mr. Baijnath Choudhary
Aditya Birla Capital
Mrs. Snehal Rajpure
Aditya Birla Finance Customer
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
FAQs on Personal Loans of ₹25 Lakhs
Yes, you can add a co-applicant to your loan application to enhance your eligibility for the Personal Loan of ₹25 Lakhs. Adding a co-applicant might increase your aggregate credit scores allowing you to get a lower interest rate. Moreover, you might qualify for a higher loan amount.
Prepayment is allowed under the ₹25 Lakhs Personal Loan. You can prepay a part of your loan after 6 months from the date of disbursement. A charge might apply on the prepayment depending on the amount that you choose to prepay.
A ₹25 Lakhs Personal Loan can help you fulfil your financial needs without straining your budget or draining your savings. The loan is beneficial because it is -
• Easily available
• Collateral-free
• Affordable
• Multipurpose
So, if you have financial obligations for which you are short on funds, the loan can be a good choice.
A ₹25 Lakhs Personal Loan is an unsecured loan which means that no collateral is required to get the loan sanctioned.
There is no usage restriction on the Personal Loan of ₹25 Lakhs. You might have applied for the loan for your wedding but you can use the funds for taking a vacation or for any other financial need that you might have.
Defaulting on loan repayments have multiple repercussions which are as follows -
• You would incur a late payment fee on delaying EMI payments
• The interest cost would accumulate over teh default period
• Your credit score would be degraded
So, avoid defaults and repay your loan on time.
Yes, you can use a Personal Loan of ₹25 Lakhs for any purpose, including debt consolidation. The loan can help you pay off multiple loans thus saving on the aggregate interest outgo.
You can check your eligibility using the online eligibility calculator offered by Aditya Birla Capital. Just enter a few details and the calculator would calculate whether you are eligible for the loan and how much loan can you get.
To find the EMI, use the online EMI calculator offered by Aditya Birla Capital. The calculator is free to use and it calculates your EMIs instantly, without errors. Just enter the loan amount, interest rate and repayment tenure and find the EMI payable.
Here are some ways to make your loan EMIs more affordable -
• Choose a repayment tenure which gives affordable EMIs
• Negotiate with the lender to get a lower interest rate on the loan
• Have a good credit score for a lower interest rate
Aditya Birla Capital processes the loan quickly and sanctions the funds within hours.
Yes, the ₹25 Lakhs Personal Loan is a collateral-free loan which does not need any security.
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
Top-Up
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Comprehensive coverage
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Affordable with low premiums
ABC Of Personal Loans
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.