Get an instant ₹25,000 personal loan with Navi

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

About ₹25,000 Personal Loan

Need a personal loan of ₹25,000 to meet a sudden emergency? No worries! Get an instant personal loan of ₹25,000 with Navi in a 100% paperless manner.

All you need to do is download the Navi app for a smooth and hassle-free borrowing experience. No more standing in long queues. With Navi, the entire process – from applying and approval to disbursal – takes just a few minutes. Moreover, you will enjoy flexible EMI options and attractive interest rates that make Navi Personal Loan one of the most sought-after loan products.

Features and Benefits of ₹25,000 Personal Loan

Features and Benefits of ₹25,000 Personal Loan

Get instant loan approval and disbursal. Just download the Navi app and apply
No heavy paperwork. No human intervention. The entire process is online. Get your loan approved anytime, anywhere
Avail personal loans with competitive interest rates starting from 9.9% p.a.
Enjoy flexible EMIs and repayment tenure of up to 72 months. Repay as per your convenience
No guarantor or collateral is required. Just download the Navi app and apply
Close your loan at any time by prepaying. Navi does not charge any fee

How to Apply for a ₹25,000 Personal Loan?

Follow the procedure given below to apply for a ₹25,000 personal loan:
Visit the App store or Play store to download the Navi app
Enter your details like name, address and PAN card number to check your eligibility
Enter the amount and tenure
Our representative will call you. Provide your PAN or Aadhaar card (optional) details to complete your KYC verification
Enter your bank details in the Navi app and turn on the ‘auto-pay’ option to get the loan disbursed to your account

How to Apply for a ₹25,000 Personal Loan?

Eligibility Criteria and Documents Required

Indian Resident 18-65 years of age

PAN Card Holder

Salaried or Self-Employed

Aadhaar Card Holder

₹25,000 Personal Loan Interest Rates in India

Navi Personal Loan comes with attractive interest rates, starting from 9.9% per annum. However, the final rate of interest is variable and depends on your eligibility.
Interest Rate9.90% p.a. onwards
Processing FeeUp to ₹7,500
Loan AmountUp to ₹20 lakh
Loan Prepayment FeeNil
Loan TenureFrom 3 to 72 months

How to Calculate EMI on ₹25,000 Loan?

Calculating your monthly loan installment will help you plan your finances better. Here is the formula for EMI computation:

EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

However, manual calculation of EMI can get tiresome and leaves room for errors. Instead, use the Navi online personal loan EMI calculator for faster and more accurate calculations. Just enter details such as loan amount, interest rate and tenure to get your EMI value.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose Navi for your ₹25,000 Personal Loan?

No paperwork

100% app-based paperless process. You can apply for a loan from anywhere, anytime.

Repay at your convenience

We give you the flexibility to repay your loan in easy EMIs at your convenience. Choose loan tenure as per your wish.

Instant disbursal

If you need instant cash to cross any financial hurdle, choose Navi. It hardly takes a few minutes to apply and get the loan disbursed to your account if you are eligible.

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June 14

Benefits Of A Personal Loan, How To Apply Online And Things To Consider Before Getting A Personal Loan

Personal loans are unsecured loans that do not require collateral.

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Frequently asked questions

Here are some of the factors you should consider before taking a ₹25,000 personal loan:

  • Credit score: Credit score reflects your creditworthiness. The higher the credit score, the higher the chances of getting a personal loan at a comparatively lower interest rate.
  • Repayment capacity: Assess your EMI repayment capacity before taking a loan. Missed EMI payments could hurt your credit score.
  • Loan EMI: Calculate your monthly payments before applying for a personal loan. This will help you to plan your finances and lower the chances of loan default.
No, there are no prepayment charges if you avail of your personal loan through Navi. You can choose to close your loan at your convenience.
Default in EMI payment will invite a penalty. Multiple defaults will affect your CIBIL score and hamper your creditworthiness.
Yes, you can easily pay your EMIs through the Navi app. You have to link your bank account to the app and turn on the “auto-debit” option for automatic repayment. Just ensure to have the requisite balance in your bank account.
Interest rates for personal loans vary from one applicant to another. It is decided by examining a few factors such as credit score, financial record, repayment ability and loan amount.
Yes, you can get a ₹25,000 personal loan instantly with minimal documents through the Navi app. Only your PAN card details are required.
Personal loans don’t come with end-use restrictions. You can use your personal loan for any financial requirements.

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