Interest Rate
Starting at 9.99%* p.a.
Loan Tenure
12-84 Months
Hidden Charges
0%

Apply for a Personal Loan of ₹25 Lakh

Meet your personal needs with a ₹25 Lakh Personal Loan. Use the loan amount for debt consolidation, emergency medical expenses, wedding, etc. Enjoy benefits such as attractive interest rates, minimal paperwork, quick approval, and no hidden charges. Apply now!

Why Choose Poonawalla Fincorp

Collateral-free
Loan
Competitive Interest
Rate
Online
Application
Minimal Documentation
Quick
Disbursal
Flexible Repayment Options

Personal Loan EMI Calculator

Calculate your monthly payable instalments quickly with our online EMI calculator. Just enter the loan amount, tenure, and interest rate. Try now!

Optimise Your Personal Loan Experience
With Monthly Budget Planning

Monthly Payable Amount₹8,791
Principal Amount
₹100000
Interest Payable
₹5,493

Loan Amount

Rupees one lakh

Interest Rate

%
9.99 %
30 %

Tenure

Months
12Months
84Months

Apply for a Personal Loan in Just 3 Steps

Step1

Click on “Apply Now”

Tap the “Apply Now”button to initiate your application.

Step2

Enter Details

Enter your DOB, PAN card number, monthly income, and residential details.

Step3

Upload Documents

Upload the necessary documents for quicker approval.

On successful verification, the loan amount will be disbursed into your bank account instantly.

Get exclusive offers thoughtfully customised just for you

Eligibility Criteria for a Personal Loan of ₹25 Lakh

Meet our simple eligibility criteria:

  • Age: Between 21 and 60 years.
  • Citzenship: Indian.
  • Employment: Full-time job with a government entity, public/private limited company, LLP, educational institution, or a company approved by Poonawalla Fincorp.
  • Work Experience: Minimum 1 year, with at least 1 month in the current job.
  • Monthly Income: Net monthly salary of at least ₹30,000.

Documents Required for a Personal Loan of ₹25 Lakh

Submit just a few essential documents:

  • KYC Documents: PAN Card, Aadhaar Card, Voter ID, Driving License, or Passport.
  • Address Proof: Utility Bills, Passport or Rent Agreement.
  • Income Documents: Salary slips for the last 3 months.
  • Financial Statements: Bank statements for the last 3 months.
  • Employment Proof: Official email ID or employee ID card.

Interest Rates and Charges for a ₹25 Lakh Personal Loan

Avail the loan amount at competitive rates of interest and nominal charges:

Interest Rate
9.99%* p.a. onwards
Loan Amount
₹1 Lakh to ₹50 Lakh
Loan Processing Fees
Up to 3% plus applicable taxes
Lowest EMI Per Month
Starting from ₹2,124* per Lakh for 60 months
Loan Tenure
12-84 months
Prepayment/Foreclosure Charges
0% if paid from own sources
4% if paid from other sources
Default Charges
24% p.a. + taxes
Repayment Instrument Dishonor Charges
₹500 per bounce plus applicable taxes
Stamp Duty
At actuals (as per state)
Hidden Charges
Nil

Default Charges: Penalty will be charged for nonpayment of EMI amount and for non-compliance of material terms and conditions, as more particularly specified at Default Charges.pdf

*T&C Apply

Different Uses of a ₹25 Lakh Personal Loan

  • Vacation
  • Home renovation
  • Wedding expenses
  • Higher education
  • Debt consolidation
  • Medical emergency
     

Tips for a Successful Personal Loan Application

  • Have a strong CIBIL score
  • Review and improve credit report
  • Manage debt-to-income ratio
  • Keep documents ready in advance
     

₹25 Lakh Personal Loan EMI for Up to 5 Years

Tenure Approximate EMI
1 year ₹219,778/month
2 years ₹115,351/month
3 years ₹80,656/month
4 years ₹63,394/month
5 years ₹53,105/month

Get Funds Quickly With
Minimal
Documentation

1

Click 'Apply Now' Fill out the online form to start your loan application.

2

Upload Documents Provide your KYC documents to complete the verification.

3

Get Funds Get the loan amount
disbursed to your bank account.

Happy Customers, Happy Us

Get exclusive access to simplified
Personal Finance
Information at
Poonawalla Fincorp’s FinHub

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Frequently Asked Questions

How much processing time does Poonawalla Fincorp take for a Personal Loan?

You can get approval and disbursement instantly after successful verification and approval.

Is it possible to get ₹25 Lakh Personal Loan without collateral?

Yes, you can get a ₹25 Lakh loan without pledging any collateral from Poonawalla Fincorp.

What are the consequences of defaulting ₹25 Lakh Personal Loan?

If you default on a Personal Loan of ₹25 Lakh, your credit score will drop. Thus, you must pay your EMIs on time and set reminders to avoid missing the EMI payment due date.