- 7 Jul 2025
- Post Views: 31

If your monthly salary/ income is ₹25,000 and you’re wondering, “How much personal loan can I get?” you’re not alone. Many borrowers ask the same question when looking for personal loans in India. The good news? Earning ₹25,000 a month doesn’t stop you from getting access to a personal loan when you apply through trusted lenders (Banks and NBFCs) for personal loans in India.
DMI Finance offers personal loans ranging from ₹50,000 to ₹5,00,000, with a minimum monthly salary requirement of ₹25,000 per month. This blog will explain how lenders (Banks and NBFCs) decide your personal loan amount and how to increase your eligibility for a higher loan amount.
Many lenders use a multiplier method to determine the maximum personal loan amount an applicant can borrow.
Also Read: Tax benefits of personal loans
Here are the calculations of the maximum loan amount you can get if your salary is ₹25000. We have used multiple methods lenders use to calculate the eligible loan amount for you, as per your income.
If your monthly salary is ₹25,000 and the lender allows 20 times the loan amount to be equal to the salary, your maximum loan amount eligibility is ₹5,00,000.
Suppose your salary is ₹25,000, you are paying an EMI of ₹4,000, and the EMI of the new loan will be ₹8500. So, your debt-to-income ratio would be 50%. You can have a loan amount for which the EMI would not be more than ₹8500.
Note: The actual loan amount varies based on credit history, employer profile, existing debts, and the lender’s policy.
Also Read: Personal loans myth you should stop believing
Formula to Calculate Loan Amount: Loan Amount = Net Salary × Loan Multiplier.
Example Calculation:
It is recommended to use an online loan eligibility calculator to estimate the loan amount based on your income and financial obligations.
Also Read: Can you take more than one personal loan?
Your monthly salary plays a major role in determining your personal loan eligibility. By understanding how lenders calculate loan amounts, keeping your debt-to-income ratio low, and opting for a longer repayment tenure, you can boost your chances of qualifying for a higher loan amount, even with a ₹25,000 salary.
By maintaining a good credit score, keeping your debt-to-income ratio in check, and choosing the right lender, you can increase your chances of getting a personal loan in India that fits your needs.
If you’re planning to apply, consider DMI Finance for a smooth, fast, and paperless personal loan application process. With flexible eligibility criteria and quick approvals, getting the funds you need has never been easier.
1. Can I get a personal loan with a salary of ₹25,000 per month?
Yes, many lenders offer personal loans to individuals earning ₹25,000 per month, provided they meet other eligibility criteria like a good credit score and stable employment. DMI Finance offers personal loans to individuals with a minimum monthly income of ₹25,000.
2. What is the maximum personal loan amount I can get on a ₹25,000 salary?
The loan amount depends on your income, credit score, existing EMIs, and lender policies. Typically, you may be eligible for a personal loan ranging from ₹50,000 to ₹2 lakhs.
3. What should be my credit score to get a personal loan on a ₹25,000 salary?
A credit score of 750 and above is generally preferred by lenders. A higher score can help you get a bigger loan amount and better interest rates. DMI Finance offers personal loans to individuals with a minimum credit score of 700.
Also Read: How to maintain a healthy credit score?
4. How is my loan eligibility calculated on a ₹25,000 salary?
Lenders usually calculate eligibility based on your repayment capacity and debt-to-income ratio. Other influential factors are credit score, employment stability, etc.
5. Can I improve my loan eligibility if my salary is ₹25,000?
Yes, you can improve your eligibility by:
6. Can I get a personal loan without collateral on a ₹25,000 salary?
Yes, personal loans are typically unsecured, which means you don’t need to provide any collateral, even if your salary is ₹25,000. DMI Finance offers personal loans without collateral.
7. Which NBFCs offer personal loans for ₹25,000 salary earners?
NBFCs like DMI Finance offer personal loans to eligible applicants with a minimum monthly income of ₹25,000, subject to credit and documentation checks.
8. What should be my ideal EMI if my salary is ₹25,000?
Most lenders recommend that your total EMI burden should not exceed 50–60% of your monthly income. So, your personal loan EMI should not be more than ₹12,500.
9. How fast can I get a personal loan on a ₹25,000 salary?
With NBFCs like DMI Finance, you can get personal loans with minimal paperwork and quick disbursal, often within 24 to 48 hours of approval.
10. Is a longer tenure better if my salary is low?
Yes, a longer loan tenure helps reduce your EMI, which makes your loan more affordable on a ₹25,000 salary. However, it may also increase the total interest payable.
11. Can self-employed individuals get a personal loan?
Yes, but many lenders ask them to submit 2+ years of ITR, bank statements, and proof of income. DMI Finance requires one of the mentioned income proofs instead of all of them.
12. Can I combine my salary with my spouse’s income to get a higher loan?
Many lenders allow you to apply for a personal loan with a co-applicant (such as your spouse, parent, or sibling) to increase eligibility for the total loan amount.