A travel loan is a form of personal loan that helps finance your dream vacations, whether within India or abroad. Instead of breaking your savings or using high-interest credit cards, you can opt for a structured travel loan with easy EMIs. These loans are offered by banks, NBFCs, and popular digital loan apps, often with minimal documentation and instant approvals. In 2025, the demand for holiday loans has grown significantly as more people prioritize travel experiences.
Here is a comparison of the most popular travel loans in India for 2025:
| Provider / App | Loan Amount | Interest Rate (p.a.) | Approval Time | Features |
|---|---|---|---|---|
| HDFC Bank Travel Loan | ₹50,000 – ₹15,00,000 | 10.00% - 13.50% | 2–5 working days | Low rates, flexible repayment, domestic & international trips |
| ICICI Bank Holiday Loan | ₹25,000 – ₹10,00,000 | 10.50% - 14.00% | 2–4 working days | Fast approval, minimal documentation |
| Axis Bank Travel Loan | ₹30,000 – ₹12,00,000 | 11.00% - 14.50% | Instant to 3 days | Paperless process, quick disbursal |
| NoBroker InstaCash | ₹10,000 – ₹5,00,000 | 12.99% – 29.99% | Within 45 seconds | 100% digital, instant approval |
| MoneyView Personal Loan | ₹5,000 – ₹5,00,000 | 1.75% – 3% monthly | Instant | Flexible EMIs, minimal paperwork |
HDFC Bank: Best for salaried individuals with high credit scores. Offers attractive rates starting from 10% with flexible EMIs.
ICICI Bank: Known for fast processing and easy online application. Suitable for middle-income groups planning domestic or international trips.
Axis Bank: Provides a paperless digital journey with instant disbursal options, making it traveler-friendly.
NoBroker InstaCash: Ideal for those needing very quick, small travel loans. Slightly higher interest but unmatched speed.
MoneyView: Popular fintech app offering micro travel loans, ideal for budget travelers.
Pros: Instant travel funding, flexible EMIs, no need to touch savings, available via apps.
Cons: Interest rates can be higher than regular personal loans, late payments affect credit score, some apps charge high processing fees.
Yes, most banks and apps allow funding for international trips, including visa and insurance costs.
Usually ₹15,000–₹25,000 per month depending on lender.
Students can apply with a co-applicant (like parents/guardians) if they don’t meet income criteria.
Tenures range from 6 months to 60 months (5 years).
Yes, but some banks charge prepayment penalties, check terms first.
Yes, fintech apps usually charge higher compared to banks, but they offer instant disbursal.
Some banks bundle insurance with loans, but usually it’s optional.
Missed EMIs can result in penalties and reduce your credit score.
Generally no, only Indian residents are eligible. NRIs can explore loans in their resident country.
For short-term needs, yes. But for larger amounts, travel loans are more affordable.
Travel loans in 2025 have become one of the most convenient financial products for those who love to explore without financial stress. With banks offering competitive rates and fintech apps providing instant approvals, holiday planning is now hassle-free. Whether you are going on a short domestic trip or a long international holiday, choosing the right travel loan ensures you enjoy the journey without worrying about expenses. Always compare offers, check eligibility, and plan EMIs wisely before applying.