Whether it's a sudden medical emergency, a wedding at home, or any other financial need, Bikesh Finserv is here to support you. Apply for a personal loan of up to ₹25 lakh and manage your emergencies with ease. Get a ₹25 lakh personal loan today at a low interest rate. Through Bikesh Finserv, you can compare the best ₹25 lakh personal loan offers from 30+ banks and NBFCs and complete your online personal loan application from start to finish.
Loan amount
₹25,00,000
Starting rate
9.99% p.a.
Disbursal
Within 24 hours
Get ₹25,00,000 Loan at 9.99%* p.a.
Compare offers from 30+ banks and NBFCs
Fully digital process — start to finish online
Disbursal within 24 hours
Your EMI will be
₹64,008
Total Interest Payable
₹5,72,406
Total Amount Payable
₹30,72,406
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Rates, fees, and disbursal timelines are indicative and may vary by lender, profile, and loan amount. *Terms & conditions apply.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 2,500,000 |
| Interest Rate | 9.99% – 44% p.a. |
| Repayment Tenure | 12 – 84 months |
| Processing Fee | 0.5% – 4% of loan amount |
| Disbursal Time | Within 24 hours |
| CIBIL Score Required | 750+ (for best rates) |
| Collateral Required | None |
| Minimum Salary | Rs. 80,000 per month |
| Prepayment Charges | 0% – 5% |
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Capital | 10.99 onwards | Up to 4% |
| Axis Bank | 10.49 onwards* | Up to 2% |
| Bank of Baroda | 10.15 – 18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 11.00 – 35.00 | Up to 3.93% |
| HDFC Bank | 10.50 onwards | Up to Rs. 4,999 |
| ICICI Bank | 10.65 onwards | Up to 2% |
| Kotak Mahindra Bank | 10.99 onwards | Up to 2.5% |
| IDFC First Bank | 11.00 onwards | Up to 2% |
| IndusInd Bank | 11.25 onwards | Up to 2% |
| Yes Bank | 11.75 onwards | Up to 2.5% |
| Tata Capital | 11.50 onwards | Up to 3% |
| L&T Finance | 12.00 onwards | Up to 3% |
| Poonawalla Fincorp | 12.50 onwards | Up to 3.5% |
| Piramal Finance | 12.99 onwards | Up to 3% |
| InCred Finance | 13.00 onwards | Up to 4% |
| SMFG India Credit | 12.75 onwards | Up to 3% |
| Finnable | 13.50 onwards | Up to 4% |
*Bikesh Finserv special rates
Note: Rates as of 6th June 2026
Explore personal loans by amount
Explore personal loans by amount
You can use a ₹25 lakh personal loan for many purposes. As you know, this is a substantial amount, so it is generally used to fulfill major financial needs or important goals. Below are some of its most useful purposes.
No collateral is required; therefore, you have the freedom to use it according to your needs and preferences.
An EMI calculator helps you estimate your monthly repayments before you apply. Here is a demo for you. You can check your EMI online through Bikesh Finserv.
| Loan Amount (Rs.) | Interest Rate (p.a.) | Tenure | EMI (Rs.) | Interest Cost (Rs.) |
|---|---|---|---|---|
| 25 lakh | 9.99% | 5 years | 53,105 | 686,319 |
| 25 Lakh | 12% | 5 years | 55,611 | 836,667 |
| 25 Lakh | 15% | 5 years | 59,475 | 1,068,490 |
| 25 lakh | 18% | 5 years | 63,509 | 1,310,525 |
Quick Tip: Use our 25 lakh personal loan EMI calculator to calculate your EMI for accurate information.
Check your eligibility, because it matters
A ₹25 lakh personal loan for salaried and self-employed individuals differs according to various aspects and criteria.
| Aspect | Salaried | Self-employed |
|---|---|---|
| Credit Risk | Low | Relatively higher |
| Availability | Easy for the stable-income individuals | Challenging for the variable-income individuals |
| Interest Rates | Lower rates | Slightly higher rates |
| Pre-Approved Offers | Commonly available | May not be available |
| Lender Coverage | All banks & NBFCs | fewer lenders |
| Minimum Income Proof | 3 months' salary slips | 2–3 years' ITR + bank statements |
Tip: Bikesh Finserv helps you find the right lender who matches your financial profile
This is how you can strengthen your eligibility for a 25 lakh personal loan
Always keep your document ready for a 25 lakh personal loan.
The interest rate for a ₹25 lakh loan typically starts from 9.99% p.a. It varies across banks and NBFCs, which is why you should always compare interest rates before applying. Your 25 lakh personal loan interest rate is determined by a combination of the following factors:
Quick tip: contact Bikesh Finserv to check ongoing offers and actual rates, and doing so does not affect your credit score.
Getting Rs. 25 lakh personal loan through Bikesh finserv is completely digital and convenient. Here are some simple steps:
Yes, it is possible to avail a personal loan of Rs. 25 lakh with a low CIBIL score. Applicants having a credit score below 750 can also get their personal loans approved through Bikesh Finserv. However, these applicants with a lower credit score are usually considered credit risky by lenders and may not get the best offers.
Most top private and public sector banks usually reject the loan applications of individuals with a low credit score. However, many NBFCs and fintech lenders are open to offering personal loans to individuals with a low credit score — though the interest rates offered are typically higher.
Got questions?
The selected tenure and interest rate determine the EMI. The EMI is roughly Rs. 53,105 at 9.99% p.a. for five years. It is roughly Rs. 55,611 at 12% for the same tenure.
For salaried applicants, the majority of lenders demand a minimum monthly income of Rs. 55,000. ITRs and bank statements from the previous two to three years may be required for self-employed borrowers to prove steady income.
There are typically no prepayment fees associated with floating-rate loans. At the time of foreclosure, fixed-rate loans may impose fees ranging from 2% to 5% on the remaining principal.
Funds can be credited to pre-approved clients in less than a day. Following final approval and document verification, standard applications usually take one to three working days.
Depending on the lender, credit score, income, and employer category, rates normally vary from 9.99% to 44% annually. The best rates are typically available to applicants with CIBIL scores of 750 or higher.
Compare offers, check eligibility, and get funds for your Rs. 25 lakh personal loan.
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