₹25,000 earners can borrow ₹2.5-3.75 lakh personal loans

Individuals earning ₹25,000 monthly can potentially secure personal loans between ₹2.5 lakh and ₹3.75 lakh, according to recent guidelines. This is contingent on meeting lender eligibility criteria and maintaining a strong credit profile. Banks and financial institutions assess loan amounts based on income and creditworthiness, with the Reserve Bank of India (RBI) implementing a 50% loan-to-income cap. Eligibility typically requires a minimum age of 21 and a credit score above 750. The RBI's stricter regulations, including KYC verification and cooling-off periods, aim to promote responsible lending. Applicants need to provide documents like PAN, Aadhaar, and salary slips for online loan processing.