What Personal Loans Are Easy to Get Approved in India – 2025 Guide

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



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:

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

What Makes a Personal Loan Easy to Get Approved For?

Approval Factor

Ideal Benchmark

Credit Score

700 or above

Monthly Income

₹15,000 – ₹25,000+

Employment

Salaried with 1+ year of experience

Existing Debt (FOIR Ratio)

Below 40% of net income

Relationship with Lender

Pre-approved customers get faster approval

Loan Type

Digital, pre-approved, small-ticket loans

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.

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

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

3. Digital NBFC Loans

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

NBFC

Approval Speed

Min Income

Loan Amount

Credit Score

Bajaj Finserv

24 hours

₹20,000

₹30K–₹25L

680+

Navi

5 minutes

₹15,000

₹10K–₹5L

650+

CASHe

Same-day

₹18,000

₹7K–₹4L

650+

4. Salaried-Only Personal Loans

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

5. Personal Loans for Government Employees

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

Tips to Boost Your Loan Approval Chances

Strategy

Why It Helps

Maintain a CIBIL score of 700+

Shows financial discipline

Apply for smaller amounts initially

Higher approval odds

Avoid multiple loan inquiries

Hard pulls reduce credit score

Show stable income and employment

Salaried > Self-employed for banks

Clear outstanding EMIs or credit dues

Improves FOIR (Fixed Obligation Ratio)

You can check your CIBIL score for free on IndiaLends before applying.

Comparison Table: Easy Approval Personal Loan Options

Loan Type

Best For

Approval Speed

Min Income

Platform to Apply

Pre-approved Loans

Bank customers with good credit

Instant

₹25,000

IndiaLends Offers

Small Ticket Loans

Freelancers, students

1 – 2 hours

₹15,000

Tata Capital

Digital NBFC Loans

Fast disbursal seekers

Same-day

₹18,000

Bajaj Finserv

Salaried Employee Loans

Working professionals

24 – 48 hours

₹20,000

ICICI Bank

Govt. Employee Loans

Job security profiles

2 – 5 working days

₹15,000

SBI

FAQs – Easiest Personal Loans to Get

Q1. What is the easiest type of personal loan to get approved for?

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

Q2. Which bank has the highest personal loan approval rate?

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

Q3. Can I get a personal loan with a CIBIL score of 650?

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

Q4. What is the minimum salary required for a personal loan in India?

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

Q5. How do I check if I’m eligible before applying?

Answer: Use IndiaLends Loan 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:

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