- Published on: 7 Jul 2025
- Last updated on: 10 Oct 2025
- Post Views: 3501

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?
Here is how to apply for a DMI Finance personal loan:
If it approves, the loan amount will be credited into your account in a period of 24-72 hours.
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. Apply for a personal loan now.
Make this festive season even more rewarding with an exclusive Personal Loan Offer from DMI Finance. Whether you’re planning a celebration, a home makeover, a big purchase, or managing year-end expenses, we’ve got you covered with fast, easy, and affordable loans.
Offer Details
The entire process is digital and hassle-free. Apply now and get approval within a few minutes. Once approved, funds will be directly transferred to your bank account within 24 to 72 hours. Enjoy extra financial freedom to fulfil your festive goals without worrying about the cost.
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 to ₹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.
Personal Loan of Different Amounts | ||
₹50,000 Personal Loan | ₹1 lakh Personal Loan | ₹2 lakh Personal Loan |
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