₹25 Lakh Personal Loan: Calculate EMI & Apply for 25 Lakh Loan

Get Personal Loan for ₹ 25 Lakh

A 25 Lakh Personal Loan is an unsecured loan offered by L&T Finance. You can use this amount to manage medical bills, wedding expenses, business expansion, education abroad, or to go on a vacation. L&T Finance offers quick approvals, simple documentation, and attractive interest rate options to help you access funds faster. With flexible repayment options and online services, you can apply and get quick approval.

Why choose ₹25 Lakh Personal Loan

A 25 Lakh loan can be a practical solution in many situations. Here is why you should consider it:

To fund large expenses like higher education, destination weddings, or vacation.
No need to mortgage any asset.
Affordable EMIs with a long tenure available.
Instant online application, quick approval and disbursal options.
Low interest rates on personal loans that help cut down your total repayment

Key Features and Benefits of a ₹ 25 Lakh Personal Loan

No Collateral Needed: You do not have to pledge any property or asset.
Fast Disbursal: Get funds transferred directly to your account.
Flexible Tenure: Repay comfortably over 72 months.
Attractive Rates: Interest rates offered based on your creditworthiness.
Online Application: Start and track your loan request digitally.

Eligibility Criteria for ₹ 25 Lakh Personal Loan

Type	Criteria
Residency	Indian resident
Age requirement	21 to 58 years
Profession	Salaried or self-employed individuals

Documents Required for ₹ 25 Lakh Personal Loan

Document Type	Required Document & Checks
Identity Proof	Passport \| PAN Card \| Driver License \| Voter ID \| Aadhaar Card
Address Proof	Utility bill of any service provider not more than 2 months old (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill) \| Passport \| Voter ID Card \| Driving License
Income Proof	Income proofs vary for different professionals across salaried and self employed.

Check the complete list of required personal loan documents below.

Type	Document
Salaried	Last 3 month's salary slips / Form 16 / Last 3 month's bank statement reflecting salary credits / Salary Certificate
Self Employed	Latest Income Tax Return (ITR)
Bank Statement	Last 3 month's statement is mandatory
Residence Ownership Proof	Not mandatory

Interest Rates & Charges for ₹ 25 Lakh Personal Loan

Type	Interest Rate and Charges
Loan Processing Fees (non-refundable):	Up to 3%* of Loan Amount + applicable taxes
EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate	As shown in the table below
Sanctioned Loan Amount	Charges
< ₹ 5 Lakh	₹ 500
₹ 5 Lakh - ₹ 30 Lakh	₹ 1000
Late Payment Charges (LPC)/ Penal Charges:	2% (p.m.) on EMI overdue + applicable taxes
	*LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec'23
	*Taxes applicable on LPC w.e.f. 1st Apr'24
Part Payment Charges:	Up to 5% of pre-paid amount + applicable taxes
Foreclosure Charges:	5% of POS (Principal Outstanding) + applicable taxes
Legal/ Recovery Charges:	As per actuals
Duplicate NOC Charges:	First 3 paper copies - free of cost
Duplicate NOC Charges:	From 4th Paper copy - ₹250 + applicable taxes
Repayment Swap charges (per swap):	₹500 + applicable taxes (applicable only for branch walk-ins)
Loan Cancellation Charge:	Nil - for 3 days from date of disbursal
Loan Cancellation Charge:	From 4th day - 5%+ applicable taxes (on the outstanding loan amount)
Document Charges:	Nil for Statement of Account (SOA), Repayment Schedule, Foreclosure Letter, Welcome Kit
Annual Maintainance Charges (AMC):	Nil

*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.

₹ 25 Lakh Personal Loan EMI for Different Tenures

Here is a table showing EMI amounts for various tenures:

Loan Amount	Interest Rate (p.a.)	Tenure	EMI (approx.)
₹ 25,00,000	11%	1 year	₹ 2,21,127
₹ 25,00,000	11%	2 years	₹ 1,16,728
₹ 25,00,000	11%	3 years	₹ 82,005
₹ 25,00,000	11%	5 years	₹ 54,356
₹ 25,00,000	11%	10 years	₹ 34,494

How to Use an EMI Calculator for ₹ 25 Lakh Personal Loan

To use a Lakh Personal Loan EMI calculator, follow these steps:

Enter the loan amount (₹ 25 Lakh)
Input the expected interest rate
Select your preferred tenure (in years)
Instantly see the monthly EMI and total interest
Adjust the values to find an EMI that suits your budget

This helps you plan ahead and avoid repayment stress.

How to Apply for a ₹ 25 Lakh Personal Loan?

Apply for ₹ 25 Lakh Personal Loan with these steps

1. Apply online in just few minutes

Select Personal Loan and click the 'Apply Now' button to start your seamless digital loan journey.

2. Fill in your details

Enter your personal details, such as income details, current address, and more, to instantly check your Personal loan eligibility.

3. Get your customised offer

Explore personalised loan offers to match your needs. You may also get an option to enhance your offer.

4. Set up E-mandate

Securely provide your bank details to easily register for an E-mandate, ensuring smooth loan repayments.

5. Complete KYC

Verify your identity easily and securely with a quick KYC process from the comfort of your home.

6. Get loan disbursement

Get your loan disbursement directly in your bank account, ensuring fast and seamless access to funds.

FAQs & Support

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What Credit Score Do I Need For an instant 25 Lakh Loan?

A good credit score is needed for quick approvals.

How to get an instant 25 Lakh loan?

Apply online by filling the application form, upload required documents and set up an e-mandate. The loan amount will be disbursed quickly into your bank account.