₹25 Lakh Personal Loan - EMIs Starting as low as 10.99%

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Products

Get Personal Loan for ₹25 Lakhs Instantly

Dream big with a ₹25 lakh personal loan from Kotak Mahindra Bank. Whether it's for your dream wedding or a world tour, our personal loans are designed to fulfil your grandest aspirations. With competitive interest rates starting from 10.99% per annum, and unique offerings like cashback and discount options, your financial needs are covered. A ₹25 lakh loan makes your big dreams achievable, without compromising your financial stability.

Our personal loan EMI calculator helps you plan your finances effectively, and our transparent personal loan fees and charges policy means no surprises. Get started with your journey towards achieving your big dreams with our personal loan services.

Why opt for a ₹25 Lakh Personal Loan?

At Kotak Mahindra Bank, our aim is to make financial solutions like a personal loan easily accessible. With competitive personal loan interest rates and straightforward personal loan eligibility criteria, we ensure a seamless borrowing experience.

A ₹25 lakhs personal loan EMI calculator shows how manageable big dreams can become. Whether it's funding your child's education abroad or renovating your ancestral home, this loan amount ensures your plans aren't just dreams.

Features and Benefits of Personal Loan for ₹25 Lakhs

Kotak Mahindra Bank's personal loan of ₹25 lakhs is designed to bring your grandest plans to life, offering many benefits, including -

Quick access to funds: Emergencies and opportunities don't wait, nor should you. Our ₹25 lakh personal loan ensures quick disbursal so you can act on your plans without unnecessary delays.
No extensive credit checks: We value your time and peace of mind. That's why we've streamlined our credit checks, making your journey towards financial support smoother and quicker.
Minimal documentation: Say goodbye to cumbersome paperwork. Our process requires only a few essential documents, making your loan application a hassle-free experience.
Flexible use of funds: Whether funding a destination wedding, investing in higher education, or managing a medical emergency, this loan adapts to your needs. It's the financial flexibility you need to make significant life choices without constraint.
Convenient application process: Our digital-first approach means you can apply for the loan online, with a process that's as easy as shopping online. This convenience saves you time and effort, allowing you to focus on what matters most.
Short-term commitment: We understand the importance of financial freedom. Our loans come with flexible repayment options, allowing you to manage your finances without long-term burdens.

A ₹25 lakh personal loan from Kotak Mahindra Bank isn't just about the amount; it's a gateway to fulfilling your dreams and ambitions.

Eligibility Criteria Of Personal Loan for ₹25 Lakhs

Understanding personal loan eligibility is easy with our tools and resources. These criteria ensure a broad range of individuals can access Kotak Mahindra Bank's personal loan eligibility, making the dream of a ₹25 lakh loan a reality for many.

Age	Applicants must be aged between 21 and 60 years
Employment Status	Must be employed with an MNC, Public Limited, or Private Limited Company.
Work Experience	At least one year of employment in the current organisation.
Income Criteria	For a Kotak Bank Salary Account holder: Minimum net monthly income of ₹25,000 For a non Kotak Bank Salary Account holder: Minimum net monthly income of ₹30,000 For Kotak Bank Employees: Minimum net monthly income of ₹20,000
Credit Score	A good CIBIL score is essential to meet the creditworthiness standards.
Additional Documentation	For loans above ₹5 lakhs, further documentation may be required for approval.

₹25 Lakh Personal Loan EMI for up to 5 Years

Take a look at the approximate EMI figures for different tenures below:

Loan Amount (₹)	Interest Rate (p.a.)	Tenure (years)	EMI (₹)
₹25 Lakh	10.99%	1	₹ 22,094
		2	₹11,650
		3	₹ 8,183
		4	₹6,460
		5	₹5,434
		6	₹4,757

Personal Loan Interest Rates for ₹25 Lakhs

Understanding the ₹25 lakhs personal loan EMI calculator is crucial in planning your loan. We offer

Competitive rates starting from 10.99% per annum.
Transparent fees and charges.

Our calculator tools make comprehending the personal loan ₹25 lakhs and ₹25 lakh personal loan options easy.

Loan Slab	Interest Rate
₹25 Lakhs	Starting at 10.99% per annum

Documents Required for Personal Loan for ₹25 Lakhs

For a ₹25 lakh loan, the documentation is simple.

A valid proof of identity - PAN Card, passport, Aadhaar card, Voter's ID Card or driving licence
A valid proof of residence like Aadhar, driver's licence, passport
Income Proof: Bank statement of the last 3 months and/or salary slips (last 3 months)
2 to3 passport sized and recent photos

Use our ₹25 lakhs personal loan EMI calculator to understand your repayments better.

How to Apply for a Personal Loan for ₹25 Lakhs

Applying for a personal loan with us is simpler than you think. The entire process ensures that your journey to secure a significant loan amount is as stress-free as possible, allowing you to focus on what matters most - your aspirations and plans that require the financial backing of a ₹25 lakh loan.

Online Form Submission: Fill in your personal and financial details in our online form to initiate your application.
Select Loan Amount and Tenure: Decide the exact amount you need, up to ₹25 lakhs, and choose a comfortable repayment tenure. Our flexible options cater to different financial situations and repayment capabilities.
Document Submission: Provide necessary documents, including identity proof, address proof, and income proof, through our secure online platform.
Approval Process: Once your application and documents are submitted, our team will review them. If all criteria are met, your loan approval is fast-tracked.
Disbursal of Loan: Upon approval, the loan amount is quickly dispersed into your account.

This hassle-free process makes applying for a ₹25 lakh personal loan a breeze.

Apply for ₹25 Lakh Personal Loan in India

Get Personal Loan for ₹25 Lakhs Instantly

Why opt for a ₹25 Lakh Personal Loan?

Features and Benefits of Personal Loan for ₹25 Lakhs

Eligibility Criteria Of Personal Loan for ₹25 Lakhs

₹25 Lakh Personal Loan EMI for up to 5 Years

Personal Loan Interest Rates for ₹25 Lakhs

Documents Required for Personal Loan for ₹25 Lakhs

How to Apply for a Personal Loan for ₹25 Lakhs

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Frequently Asked Questions

How to get ₹25 lakh immediately?

What will be the monthly EMI for ₹25 lakh?

How much interest will I get for ₹25 lakh?

I need ₹25 Lakh Loan Urgently; how can I get it?