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Personal Loan

How to Fund Your Next Solo Leh-Ladakh Trip Without Touching Your Savings

07 Aug 2025 by Team FinFIRST

Leh-Ladakh Trip Financing Tips – IDFC FIRST Bank; Travel Loan Options for Leh-Ladakh

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Smart Financing Options For Your Travel Dreams That Won’t Derail Your Future Goals

Picture this: you’re riding through the Khardung La pass, breathing in mountain air at 18,000 feet, knowing your trip is fully taken care of without eating into your emergency fund or disrupting your long-term savings.

Sounds unrealistic? Well, it’s possible with the right financing strategy.

At IDFC FIRST Bank, we understand that travel isn’t just leisure, it’s a reset, a reward, and sometimes, a lifelong dream. FIRSTmoney Personal Loan give you a smarter, more flexible way to fund unforgettable experiences like Leh-Ladakh, without touching your savings.

READ MORE

Plan a five-star vacation without breaking your holiday budget

A complete guide to getting instant approval on digital personal loans

Why Consider Personal Loan for Travel

Let’s get one thing clear — you can travel with your savings. But should you?

Pros of Using a Personal Loan for Travel

Instant Access to Funds: No need to wait months or years to save up.
No Collateral Needed: Personal loans are unsecured, meaning you don’t have to pledge any assets like property or gold.
Fixed EMIs Make Budgeting Easier: With predictable monthly repayments, it's easier to plan your finances.
Ideal for Time-Sensitive Travel: Whether it’s a milestone celebration, ideal season, or using a limited-time deal, a personal loan allows you to seize the moment.

Cons to Keep in Mind

Interest Costs Add Up: You'll be paying more than the actual cost of the trip due to interest and other charges.
Repayment Commitment: Monthly EMIs can impact your cash flow, especially if you already have other financial obligations.
Can Affect Future Borrowing: If not managed responsibly, it could affect your credit score or future eligibility for loans.

Smart financing options ensure you enjoy your trip today, without compromising your financial future.

What Does a Solo Leh-Ladakh Trip Really Cost?

While budgets vary based on travel style, here’s a general solo trip cost breakdown:

Expense	Approx. Cost (INR)
Flights / Train + Bus	₹8,000 – ₹12,000
Bike Rent (7–10 days)	₹10,000 – ₹14,000
Fuel	₹3,000 – ₹5,000
Stay (Budget Hotels)	₹7,000 – ₹10,000
Permits + Entry Fees	₹1,000 – ₹1,500
Food + Miscellaneous	₹5,000 – ₹7,000
Total Estimate	₹35,000 – ₹50,000

Want a more curated or comfortable experience? You’re may need to spend around ₹60,000 to ₹70,000.

Smart Ways to Fund Your Trip Without Touching Savings

1. Take a Low-Cost Personal Loan

Apply for a short-term loan to fund your trip or bridge any budget gaps, especially if you're expecting a bonus, incentive or tax refund soon.

With IDFC FIRST Bank’s FIRSTmoney Personal Loan:

Borrow from ₹50,000 to ₹10 lakhs.
Interest rates start at just 9.99% p.a.
No prepayment charges. Repay early and in a stress-free manner.
100% digital application + instant disbursal

Whether you're planning ahead or booking last-minute, it's built for flexibility.

2. Use a Credit Card, But Strategically

Split major bookings across a credit card and personal loan to maximise offers or rewards, but:

Keep your credit utilisation under 30%
Have a clear payoff plan

Avoid carrying forward large credit balances. Credit cards can charge 30–42% p.a. interest, which is very high compared to a fixed-rate personal loan.

3. Use the “EMI on Credit Card” Option Carefully

EMIs on credit cards often include:

Hidden processing fees
Lock-in periods
Credit score impact if mismanaged

Instead, you can choose a personal loan like FIRSTmoney with transparent EMIs and no foreclosure penalties.

Why FIRSTmoney Is Built for Trips Like This

Unlike traditional loans, FIRSTmoney Personal Loan is designed for convenience:

Instant application + approval on mobile/laptop
Fast disbursal, ideal for spontaneous travel
Zero hidden charges
Flexible EMIs based on your income

And the best part? No prepayment or foreclosure fees. Ever.

Sample EMI Plan (for a ₹50,000 Personal Loan)

Tenure	Interest Rate (p.a.)	Approx. EMI
12 months	9.99%	₹4,395/month
18 months	9.99%	₹3,030/month
24 months	9.99%	₹2,300/month

Already saving ₹4,000–₹5,000 monthly? You can comfortably repay this loan without disturbing your existing SIPs or emergency reserves.

Before You Pack: Final Travel + Finance Checklist

✅ Research permits & weather conditions
✅ Book high-altitude insurance
✅ Finalise your travel budget
✅ Check your loan eligibility instantly on the IDFC FIRST Bank website

Travel Should Be Freeing, Not Financially Stressful

Solo travel builds independence and how you fund it should reflect that too. With smart financing tools like FIRSTmoney, you control the pace, destination, and payment terms all while protecting your long-term wealth.

Ready to Ride Through the Himalayas?

Start your application in under 5 minutes.
👉 Apply for FIRSTmoney Personal Loan

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

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