My salary is 25,000, how much loan can I get and which platform should I use?

On a ₹25,000 monthly salary, most lenders offer a personal loan between ₹2.5 and ₹5 lakhs, based on your credit score and existing obligations.

At this income level, lenders tend to be more conservative with FOIR (the ratio of your EMIs to income), often capping it closer to 40% rather than 50% — which works out to roughly ₹10,000 of monthly EMI capacity. That single constraint matters more at lower incomes, since even a small existing EMI (say a ₹2,000 phone or appliance EMI) can meaningfully reduce what a new lender is willing to offer.

This is also the income bracket where NBFCs tend to be more flexible than traditional banks — some NBFCs work with salaries starting from ₹15,000-₹20,000, whereas several private banks set a higher minimum income threshold before considering an application at all.

Applying to banks individually at this stage can mean multiple rejections before finding the right fit — each one a hard inquiry that can quietly lower your credit score. Finolink checks your eligibility against 15+ lenders in one pass, so you're only formally applying to the ones you're actually likely to qualify with.