Benefits of Applying for Instant Personal Loan on Rs. 25,000 Salary with Money View


Flexible Loan Amount

After finding your eligibility, you can borrow up to Rs. 5 lakhs depending on your eligibility.


Instant Disbursement

The loan amount will be deposited in your bank account within 24 hours of approval.


Minimal Documentation

You need to submit documents for your identification, your address, and your income proof


Affordable Interest Rates

We understand how important interest rates are as they determine the EMI amount to be paid. At Money View, the interest rate starts at just 1.33% per month


100% Online

The entire process, from application to disbursement, is online and paperless.


Flexible Repayment Tenure

Applicants can choose between repayment terms of up to five years.


Loans on Low Credit Score

Money View's unique credit model helps in providing a loan even if you have a CIBIL score of 600 or an Experian score of 650


Quick Eligibility Check

You can find out if you are eligible in less than two minutes by using the Money View website or app.

How Much Personal Loan Can I Get on Rs. 25,000 Salary

A personal loan is a type of unsecured loan that does not require collateral or security. It is offered with minimal documentation and can be used to meet financial needs, such as a purchase or repair of a home or car. Like any other loan, you must repay it in accordance with the agreed terms with the bank.

A personal loan functions in much the same way as other types of loans. You apply for a loan, submit the required documentation, and the bank verifies your creditworthiness before making a loan offer. If you accept it, the money is transferred to your bank account and you can use it however you see fit.

Applicants earning Rs. 25,000 can easily meet all of the eligibility requirements and obtain an adequate personal loan from most banks or financial institutions. The loan amount that an applicant can borrow is determined by several factors, including the applicant's credit history, the credibility of their personal documents, and the applicant's job stability.

To be eligible for a loan and its benefits, most banks or financial institutions require applicants to have a minimum income and a high credit score. Online lending platforms, on the other hand, are more flexible and will lend to applicants with low income and credit scores.

Loan providers employ two methods to calculate the loan amount you will be receiving. They are 

Many lenders use the multiplier method to determine loan eligibility for personal loans. The personal loan amount is calculated using a predetermined multiple of the applicant's net monthly income. Depending on the lender and the applicant's monthly income, this multiple can range from 10 to 24 times.

The higher the salary and the better the company's status, the greater the likelihood of receiving a larger loan with lower interest rates. Furthermore, if you have no existing monthly obligations, you are eligible for this loan amount. 

 In general, lenders prefer applicants with EMI/NMI ratios below 50%. Your EMI/NMI ratio measures how much of your net monthly income is spent on servicing your existing loans as well as the new loans.The ratio of your EMI/NMI is determined by the gross monthly income, tenure, and interest rate.

So, the answer to the question, "How much personal loan can I get on a 25,000 salary?" is that it depends on the factors listed above. You can receive any amount ranging from Rs. 5,000 to Rs. 500,000.

A borrower must have a good credit score, an income, and be of a certain age to qualify for a personal loan. To be eligible for an instant personal loan, you must meet the following criteria -

  • Candidates must be either salaried or self-employed.

  • Applicants must earn an income of at least Rs 13,500/- each month.

  • Salary must be deposited directly into your bank account.

  • You should have good credit score. 

  • Applicants must be between the ages of 21 and 57.

If you meet all of the above criteria, you can easily obtain a personal loan from one of India's many lending institutions.

Identity Proof Address Proof Income Proof
PAN Card - This is the primary ID proof required. However, if it is rejected due to image quality issues or other reasons, any 1 of the officially valid documents given below will suffice)
  • Aadhaar Card
  • Valid Indian Passport
  • Valid Voter ID
  • Valid Driver’s License
Any 1 of the following -
  • Aadhaar Card
  • Valid Indian Passport
  • Valid Voter ID
  • Valid Driver’s License
  • Utility Bills (Electricity, Water, Gas) dated within the last 60 days

Salaried Applicants - Last 3 months’ bank statements of your salary account in PDF format showing salary credits


Self-Employed Applicants - Last 3 months’ bank statements in PDF format if you are self-employed

How to Apply for An Instant Personal Loan with Rs. 25,000 Salary


Check Eligibility

Provide a few basic details to check your eligibility in just 2 mins!


Select Loan Tenure

Choose your loan amount & repayment tenure


Upload Documents

Complete your KYC and Verify income


Amount Disbursed

Direct Bank A/c transfer in a few minutes!



The amount of loan you can get on Rs. 25,000 salary varies from bank to bank and depends on the eligibility criteria you fulfill. Before taking out a loan, it is critical to consider your requirements. Calculate your expenses and become familiar with all of the rules and regulations that come with taking out a loan. This will serve better and help you maintain a stable financial situation.

Money View makes it easy for salaried employees to avail of a personal loan. With just a few simple steps, you can find out the loan amount you’re eligible for, fulfill our minimal documentation requirements, and receive your loan in 24 hours at competitive rates.

Frequently Asked Questions (FAQs)

Ans: Lenders set interest rates based on their cost of funds and an assessment of their loan applicants' credit risk. Some of the most important factors that can influence your personal loan interest rates are as follows.

  • Credit Score
  • Salary
  • Repayment history
  • Relationship with the money lender

Ans: Low-interest personal loans are the most effective way to address your immediate financial needs. To get the best interest rate on a personal loan, follow the tips below:

  • Maintain your credit score in good shape
  • Research for the best deal from different lenders
  • Always look out for special deals
  • Try negotiating with your moneylender

Ans: Several banks and financial institutions in India offer personal loans. However, they prefer applicants with high income and good CIBIL scores. This is why it is best to choose reputed online lenders such as Money View for taking a personal loan. Money View offers personal loans at competitive interest rates and to individuals with CIBIL score as low as 650. 

Ans: The rate of interest for personal loans starts at an affordable 1.33% per month and varies based on the amount availed, your credit score, repayment history, etc.

Ans: You certainly can. Money View offers personal loans to people with low credit scores because it uses its own unique algorithm to process loan applications. However, a CIBIL score of 600 or an Experian score of 650 is required as the minimum credit score.


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