Attractive Interest Rate
You can access competitive interest rates up to 19% per annum, ensuring you can pay off your borrowed amount without much hassle.
Rs 2.5 Lakh Personal Loan
Tenure up to 36 months
Minimum Salary Required Rs 15K
Instant Approval in 10 minutes
2.5 Lakh Loan EMI Calculator
Get a Rs 2.5 Lakh Personal Loan Instantly
Need urgent funds? Hero FinCorp makes it easy to apply for a Personal Loan of up to Rs 2.5 Lakh. Whether you're planning a vacation or managing personal expenses, we offer instant approval in just 10 minutes. Enjoy competitive interest rates, flexible repayment tenures, and a hassle-free digital process. With a minimum monthly income of just Rs 15,000, you can qualify easily. Experience the convenience of fast, reliable, and transparent financial solutions. Apply now with Hero FinCorp and take the first step toward achieving your goals—without delays or complications.
Why Opt for Rs 2.5 Lakh Personal Loan?
Applying for a 2.5 Lakh Personal Loan can be very helpful for various reasons, such as a wedding, an unforeseen emergency, medical expenses, home renovation, higher education, and more. With Hero FinCorp, applicants do not need to pledge any collateral, making it easy to borrow. To apply, you need to meet the basic loan criteria, and we'll get back to you with a loan offer.
EMI for Personal Loan of Rs 2.5 Lakh for up to 3 Years
To plan your loan repayment better, it is important to know the EMI amount of your Personal Loan. You can use a personal loan emi calculator on our website. For your convenience, here is a table showing EMI for a Personal Loan of Rs 2.5 Lakh for different tenures.
| Loan Amount (Rs) | Tenure (in Months) | Interest Rate* (%) | Monthly EMI (Rs) | Total Interest | Total Amount Payable |
| ₹ 2,50,000 | 12 | 19% | ₹ 23,039 | ₹ 26,470 | ₹ 2,76,470 |
| ₹ 2,50,000 | 18 | 19% | ₹ 16,071 | ₹ 39,276 | ₹ 2,89,276 |
| ₹ 2,50,000 | 24 | 19% | ₹ 12,602 | ₹ 52,452 | ₹ 3,02,452 |
| ₹ 2,50,000 | 30 | 19% | ₹ 10,533 | ₹ 65,996 | ₹ 3,15,996 |
| ₹ 2,50,000 | 36 | 19% | ₹ 9,164 | ₹ 79,904 | ₹ 3,29,904 |
Disclaimer: The given calculations of the EMI are for illustrative purposes only and may be different according to relevant interest rates, processing fees, and other such considerations. Actual loan terms will be assessed at the time of application and approval. Hero FinCorp does not guarantee these numbers, and recommends independent review.
For a Personal Loan of Rs 2.5 Lakh, the EMI calculator will determine the monthly instalments based on the tenure and applicable interest rate. Every EMI includes principal and interest. Select a tenure that is right for you. Shorter tenures, typically, have higher EMIs but total interest is lower, while longer tenures typically mean lower EMIs, but total interest is higher.
Features and Benefits of Personal Loan of Rs 2.5 Lakh
Here are the key features and benefits of a 2.5 Lakh Personal Loan from Hero FinCorp:
Collateral-Free
You do not pledge a house or any assets. The amount is given to you based on your repayment capacity and income.
Flexible Repayment Tenure
You can choose a loan tenure from 12 to 36 months, whichever suits your financial goals.
Instant Approval
You can instant loan approval within 10 minutes when you apply on the Hero FinCorp website or loan app.
Instant Loan Amount
You can apply for an instant loan from 50k to 2.5 Lakh online with minimal documentation.
Eligibility Criteria of Personal Loan for Rs 2.5 Lakh
The personal loan eligibility criteria for a loan of up to Rs 2.5 Lakh are easy to meet. You simply need to fulfil the basic requirements related to age, citizenship, monthly income, and work experience. Here are the details.
Monthly Income
Applicant should at least earn a minimum amount of Rs 15,000 monthly
Age
Applicant should be between 21-58 years
Citizenship
You should be a citizen of India
Work Experience
A minimum of one year of work experience is required for eligibility
List of Documents Required of Personal Loan for Rs 2.5 Lakh
At Hero FinCorp, the documentation requirement is minima. Still, it is important to understand the documents required for a personal loan application, which may vary slightly for salaried and self-employed applicants. Here are the details.
Required Documents for Salaried
Mandatory Documents
Duly filled application form, Passport-size photograph
Identity Proof
Driving License, Passport, PAN Card, Aadhaar Card (Any One)
Address Proof
Driving License, Passport, Aadhaar Card, Ration Card, Utility Bill (Any One)
Ownership Proof (Optional for Salaried)
Residence Ownership Proof (Electricity Bill, Maintenance Bill, Property Document)
Income Proof
Last 6 Months’ Salary Slips, Bank Statements & Form 16
Required Documents for Self-Employed
Mandatory Documents
Duly filled application form, Passport-size photograph
Identity Proof
Driving License, Passport, PAN Card, Aadhaar Card (Any One)
Address Proof
Driving License, Passport, Aadhaar Card, Ration Card, Utility Bill (Any One), Office Address Proof (if applicable)
Ownership Proof (Optional for Salaried)
Business Existence Proof (Tax Registration, Shop Establishment Proof, Company Registration Certificate)
Income Proof
Last 6 Months Bank Statements & ITR for 2 Years
Personal Loan Interest Rates for Rs 2.5 Lakh
With Hero FinCorp, you can get an instant loan at competitive interest rates from 1.58% per month. Our fee structure is clear, and we do not have any hidden costs other than those specified here. Apart from the personal loan interest rate, below is a summary of the fees and charges.
| Fees & Charges | Amount Chargeable |
| Interest Rate | Starting from 1.58% per month |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350/- |
| Interest on Overdue EMIs | 1-2% of the loan/EMI Overdue Amount Per Month |
| Cheque Bounce | Fixed Nominal Penalty |
| Loan Cancellation | 1. Online loan app does not charge any cancellation charges 2. Interest amount paid is non-refundable 3. Processing charges are also non-refundable |
How to Apply for a Personal Loan for Rs 2.5 Lakhs?
Here are the steps to apply for a 2.5 Lakh loan at Hero FinCorp:
- 1
Visit the Hero FinCorp website or install the personal loan app
- 2
Go to the personal loan page and click ‘apply now’
- 3
Enter your mobile number and verify with the OTP received
- 4
Choose the loan amount you need
- 5
Verify your KYC details to check income eligibility
- 6
Click ‘Submit’ to complete your application
Uses of Personal Loan of Rs 2.5 Lakh
You can use a Personal Loan for any planned or unexpected expenses. Let’s explore just a few of the many common uses of a Personal Loan of Rs 2.5 Lakh.
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Frequently Asked Questions
The EMI for a 2.5 Lakh Personal Loan depends on the interest rate and chosen tenure. Use the EMI calculator to get the EMI estimate in seconds.
Yes, you can apply for a Personal Loan of 2.5 Lakh, subject to eligibility criteria.
No, you may not get a 2.5 Lakh Personal Loan without a salary slip. However, you can provide alternative income proof, such as bank statements or ITRs from previous years.
You should have a minimum monthly income of at least Rs 15,000 to get a Rs 2.5 Lakh Personal Loan from Hero FinCorp.
In case of an emergency, consider applying for a Personal Loan through the Hero FinCorp website or loan app. You can get instant approval in 10 minutes.
Yes, income proof is required as part of the documentation requirements for a Personal Loan of Rs 2.5 Lakh. You can provide your salary slips, Form 16, bank statements or income tax returns as proof of income.
You may get a Personal Loan of Rs 2.5 Lakh even with a low credit score. However, in such a case, you may get approval on a smaller loan amount or may have to pay a higher interest rate.
Amongst all, the Hero FinCorp loan app can offer instant approval on a Rs 2.5 Lakh Personal Loan when you apply online.
No, documentation is an integral part of the Personal Loan application process. When you apply with Hero FinCorp online, the documentation requirement is minimal. The best part is that you do not have to submit physical copies of your document. You can submit online.
Yes, you can get instant approval on a Personal Loan of Rs 2.5 Lakh during an emergency from Hero FinCorp when you apply online. You can apply through the Hero FinCorp website or loan app.
Disclaimer
*Approval & Agreement: Loan approval is at Hero FinCorp's discretion. By applying, you agree to our Terms & Conditions, Privacy Policy, and Loan Agreement.
*Data Use: You consent to electronic processes and data use for loan assessment, as per our Privacy Policy.
*Security: Keep your account and device secure. Report our customer care for unauthorized activity immediately.
*Grievances: For concerns, refer to our Grievance Redressal Policy.
*EMI Payment: Refer to our T&Cs here*
*RBI Mandate: RBI requires transparent disclosures. Learn more from RBI.