Indialends, 10 Sep 2025

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What Personal Loans Are Easiest to Get Approved For in India (2025)?

What’s Inside This Blog?

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Explore High-Approval Personal Loan Options, Eligibility Criteria, and Quick Tips to Boost Your Chances

Introduction

Personal loans have become one of the most preferred borrowing options in India due to their unsecured nature, flexible tenures, and instant disbursal options. But not all personal loans are easy to get approved for.

Approval depends on factors like your credit score, income, employment type, and lender’s policies. In this blog, we’ll break down:

• What kinds of personal loans have the highest approval rates
• Which banks and NBFCs are most lenient
• Loan types that are easiest to qualify for
• How to improve your approval chances
• FAQs and expert tips

👉 If you're ready to check your eligibility instantly, visit IndiaLendsPersonal Loan Checker

What Makes a Personal Loan Easy to Get Approved For?

Top 5 Easiest Personal Loans to Get Approved For in India (2025)

1. Pre-Approved Personal Loans

These are offered to existing bank customers based on credit behavior and income trends.

• Approval Speed: Instant (within minutes)
• Credit Score Required: 700+
• Best For: Salaried individuals with a long-standing bank relationship

👉 Check if you’re pre-approved on IndiaLendsPre-Approved Loan Offers

2. Small Ticket Personal Loans (Under ₹1 Lakh)

• Loan Amount: ₹10,000 to ₹1 lakh
• Approval Rate: Over 80% in urban metros
• Ideal For: New-to-credit individuals, freelancers, and gig workers
• Example Providers: KreditBee, Tata Capital, MoneyTap

3. Digital NBFC Loans

NBFCs have looser eligibility norms than banks and faster approval systems.

4. Salaried-Only Personal Loans

Banks give preference to salaried individuals from reputed companies or government bodies.

• Top Banks:
• ICICI Bank Personal Loan
• Axis Bank Personal Loan
• Kotak Mahindra Bank
• Documents Required: PAN, Aadhaar, Salary Slips (last 3 months), Bank Statements (last 6 months)

5. Personal Loans for Government Employees

Government or PSU employees often enjoy priority approval and lower interest rates.

• Recommended Bank: SBI Personal Loan (Xpress Credit)
• Loan Amount: Up to ₹20 Lakhs
• Processing Fee: ₹1,000–₹2,000

Tips to Boost Your Loan Approval Chances

You can check your CIBIL score forfree on IndiaLends before applying.

Comparison Table: Easy Approval Personal Loan Options

Answer: Pre-approved loans and small-ticket loans are easiest due to low documentation and fast digital processing.

Answer: Private banks like HDFC, ICICI, and Axis have higher approval rates for salaried individuals. SBI is best for government employees.

Answer: Yes, NBFCs like Navi, CASHe, or KreditBee may approve loans at higher interest rates.

Answer: ₹15,000/month for NBFCs and ₹20,000–₹25,000/month for banks.

Answer: Use IndiaLendsLoan Eligibility Tool to check in 60 seconds without affecting your credit score.

Conclusion

If you're looking for easy personal loan approval in 2025, focus on:

• Pre-approved or salaried employee loans
• NBFCs offering digital small-ticket loans
• Keeping your credit score 700+
• Maintaining low existing liabilities

Start your search with IndiaLends to compare loans from over 50+ trusted lenders instantly.