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Personal Loans up to ₹25,000

  • Flexible Repayment
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  • Affordable Rates
25000 Personal Loan

About Our ₹25,000 Personal Loan

If you’re looking for a ₹25,000 loan, RING offers a quick and convenient solution. Apply with minimal documentation—just your PAN and Aadhaar—and receive the funds directly into your bank account within minutes of approval. Our process is 100% digital, so you can complete everything from your smartphone. Choose a repayment schedule that fits your budget, with options ranging from 3 to 60 months. Get instant access to funds and manage your payments with ease. Apply now on the RING app and meet your financial needs today!

Benefits of ₹25,000 Personal Loans

Get your money fast with instant approval and disbursement.
Enjoy a simple application process with zero paperwork.
Repayment Tenures starting from 3 months up to 60 months.
Attractive interest rates to make your payments more affordable.

Features of ₹25,000 Personal Loans

Credit Up to Rs. 5 Lakhs
Avail of credit up to Rs. 5 lakhs with paperless KYC.
Flexible Repayment
Choose repayment periods from 3 to 60 months.
Instant Approval
Money transferred to your bank account in 5 minutes.
Zero Paperwork
100% Digital - Hassle-free process
No Collateral Required
Secure a loan without pledging any assets.
Transparent Terms
Know all costs upfront with no hidden charges.
Competitive Rates
APR ranges from 32% to 57% per annum.
Multi-Purpose Loans
Use your loan for personal or business purposes

Check Your Eligibility

25000 Personal Loan eligibility
Instant Personal Loan Eligibility Criteria
To qualify for a personal loan applicants need to meet the following criteria:
  • Nationality: Indian citizen.
  • Age: Between 23 and 55 years.
  • Documentation: Selfie, PAN Card, and Aadhaar Card.
  • Income Proof: Required only for select high-value loans based on credit profile.
  • Profile : Salaried, Self-Employed, Small busines owner & MSMEs
Having these documents prepared ensures a smoother and quicker application process

Follow these simple steps to get started:

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personal loan application
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Verify Mobile Number
Enter your number on the RING app/website, receive an OTP, and verify.

₹25,000 Personal Loan EMI Calculator

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Breaking Down the Cost: Interest Rates Explained
A tool designed to help you understand the monthly payment on your loan. Whenever you take a loan, the EMI amount that you will pay is very important in helping you arrive at your final loan amount and repayment tenure. Our personal loan calculator helps you do just that. You will be able to see your monthly payment, and this will help you decide what your loan amount should ideally be, and if it is payable over a period.
Principal Amount (A): ₹500,000
Interest Amount (B):
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Your EMI: ₹ per month

Your Loan Amount: ₹500,000

At Interest Rate of: 2%

For : 2 years

Total Payable: ₹

Here’s a quick example to illustrate:
  • Loan Amount (Principal): ₹1,00,000
  • Tenure: 12 months
  • Interest Rate: 13% per annum
  • Processing Fee (incl. GST): ₹3000 (3%)
  • Total Interest: ₹7,180.73
  • EMI: ₹1,374.63
  • APR: Start from 14%
Disclaimer - The Loan EMI Calculator only shows an estimate. Consult your lender for accurate details.

The Formula to Calculate EMI on Personal Loan

The formula for calculating EMI is as follows:
EMI = [P x R x (1+R) ^N]/ [(1+R) ^ (N-1)]

P= Principal loan amount | R= Monthly interest rate (annual interest rate divided by 12) | N= Loan tenure in months

**To explain it further, let’s see an example:** Suppose you take a Personal loan for ₹5,00,000 with an annual interest rate (IR) of 10% for a tenure of, say, 5 years (60 months). First, convert the annual interest rate to a monthly interest rate. In this case, the monthly interest rate would be 10%/12 = 0.00833. Using the formula, you can calculate the EMI as follows: EMI = [500000 x 0.00833 x (1+0.00833)^60] / [(1+0.00833)^60-1] By simplifying the equation, you will find that the EMI for this loan would be approximately ₹10,609. This means that your monthly payment will be ₹10,609 for 60 months to repay the loan amount along with the interest. For a more detailed explanation, you can refer to this blog.

Hear from Our Happy Customers

25000 Personal Loan review

Priya Sharma

Bangalore

RING's quick ₹25,000 loan saved my project when my laptop crashed. Fast application, flexible repayment, and funds within hours. Efficient and reliable!
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25000 Personal Loan review

Rajesh Patel

Ahmedabad

RING's instant ₹25,000 loans are perfect for my grocery store's inventory needs. Quick, reasonable rates, and entirely smartphone-based. It's my financial safety net.
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25000 Personal Loan review

Anjali Desai

Pune

RING helped cover my daughter's emergency dental work. As a single mother, I appreciate the easy process and transparent terms. Quick financial help when I needed it most.
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25000 Personal Loan review

Karthik Reddy

Hyderabad

RING's ₹25,000 loan let me upgrade my equipment between projects. Fast approval and flexible repayment suit my irregular freelance income perfectly.
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Find the Right Personal Loan For You

Personal Loan for Travel
Personal Loan for Travel

Fund your dream vacation and make unforgettable memories with our travel loans. From flights to hotels and everything in between, we’ve got you covered so you can focus on enjoying your trip.

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Personal Loan for Students
Personal Loan for Students

Invest in your future or your child's education with our flexible education loans. Cover tuition fees, buy study materials, or enrol in that special course without financial stress.

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Personal Loan for Home Renovation
Personal Loan for Home Renovation

Give your home a makeover without breaking the bank. Whether it’s a new kitchen, a fresh coat of paint, or an extension, our loans make it possible.

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Personal Loan for Weddings
Personal Loan for Weddings

Make your special day even more magical with our wedding loans. Plan the perfect wedding without worrying about the expenses, from the venue to the honeymoon.

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Got Questions? Let's get to them.

How can I get a ₹25,000 loan?

Getting a ₹25,000 instant loan with RING is quick and easy. Here's a step-by-step guide:

  • Download the RING app from the Play Store or App Store
  • Register and create your account.
  • Complete the KYC process by providing the necessary documents, like your PAN card and Aadhaar card.
  • Fill out the loan application form within the app.
  • Submit your application and wait for instant approval.
  • Once approved, the funds will be disbursed directly to your linked bank account, usually within minutes.

What is the EMI on a ₹25,000 loan?

The EMI (Equated Monthly Installment) on a ₹25,000 loan depends on two factors: the interest rate and the loan tenure. For example:

  • For a 12-month tenure at a 24% annual interest rate, your EMI would be approximately ₹2,385
  • For an 18-month tenure at the same rate, your EMI would be about ₹1,702. To get an accurate calculation, use the EMI calculator available on the RING app. This tool allows you to adjust the loan amount, interest rate, and tenure to see how it affects your monthly payments.

What is the interest rate on a ₹25,000 personal loan?

RING offers competitive interest rates with an Annual Percentage Rate (APR) ranging from 18% to 36%. The exact rate you receive depends on various factors, such as your credit score, income, and repayment history. To get a personalized rate, complete the application process using the RING app.

Can I get a ₹25,000 loan without collateral?

Yes, absolutely! One of the main advantages of RING's personal loans is that they are unsecured, meaning you don't need to provide any collateral. This makes the process faster and more accessible, especially for those who may not have valuable assets to pledge.

More Questions
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