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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,740

No. of Employees

68,400

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 5.91 Lakh Cr

Consolidated Lending Book

INR 2 Lakh Cr

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Loans

Investments

Insurance

Loans

Investments

Insurance

Advisor

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Health Insurance

Housing Finance

Life Insurance

Mutual Funds

Personal Insurance

SME Finance

Stock & Securities

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

Home Loan

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

Are you eligible for a Home Loan? Find out now!

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Reasons To Get A Secured Business Loan
From Aditya Birla Finance Limited

Quick Turnaround Time

Secure the loan you need within a week of submitting the documents.

Quick Initial Assessment

We only consider the nature of the requirement, your repayment capability, and financial valuation.

Solutions For Diverse Needs

From working capital to infrastructure improvement, setting up new units, and scaling production - solve anything.

Parameterised Lending

Customised loan terms based on specific criteria, streamlining the process for timely fund release.

Large Loan Amounts

Need a big loan? Get up to ₹25 Crore as a secured business loan from ABFL.

Who Can Apply For Secured Business Loan?

You can apply for a Secured Business Loan if you fall under one of these categories.

Proprietorship

Partnership

Public Limited Companies

Private Limited Companies

Get A Secured Business Loan In 5 Easy Steps

STEP

Understand your needs.

STEP

Check loan eligibility

STEP

Calculate monthly instalment

STEP

Submit the documents

STEP

Apply for a loan

Secured Business Loan Eligibility

Before applying for a Secured Business Loan, ensure you qualify for it by checking your eligibility.

Eligibility criteria

Nationality Indian citizen
Minimum age for applying 21 years
Maximum age at loan maturity 70 years
Credit History Good
Constitution Type Self-employed Individuals/Proprietorships/Partnerships/
Private Limited Business should be operating for a minimum period of 3 years.

Documents needed

Proof of identity and address | Aadhaar Card and Business PAN
Proof of business | Business should be at least 1 year old with valid business proof
Bank statement | Current Account statement for 1 year
Other financial documents | Audited financials and Income Tax Returns filed for the last 2 years

Professional Loan EMI Calculator

Plan Your Borrowing with Confidence
Get a clear estimate of your loan eligibility, monthly repayments, and total repayment obligations before you apply. By providing a transparent view of your borrowing commitments, it enables better financial planning and informed decision-making.

Why Use a Professional Loan EMI Calculator?

• Assess Affordability: Determine a comfortable EMI based on your income and expenses.
• Estimate Loan Eligibility: Understand the loan amount you may qualify for.
• Plan Finances Better: Get clarity on the total interest payable and overall repayment amount.
• Save Time: Instantly view loan estimates without manual calculations.
• Make Informed Decisions: Compare different loan tenures and interest rates before applying.

How Does the Calculator Work?

The calculator estimates your eligible loan amount and repayment details based on the following inputs:

1. EMI You Can Afford
Enter the monthly EMI amount you are comfortable paying.
2.Loan Tenure
Select a repayment tenure ranging from 1 to 7 years.
3.Rate of Interest
Choose an interest rate.

Based on these inputs, the calculator instantly computes your loan eligibility and provides a detailed repayment breakdown.

Calculate EMI
Calculate Professional Loan Amount

Professional Loan Amount

Tenure (1 to 7 Years)

Rate of Interest (8 to 17%)

I can pay EMI of

Tenure (1 to 7 Years)

Rate of Interest (8 to 17%)

Interest

Payout

Your EMI Details

₹ 0

Total Interest

₹ 0

Total Payout

₹ 0

Customer Satisfaction Stories

Ashesh Shah

Aditya Birla Capital Limited

I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.

Mr. Vikram Balu Gavali

Aditya Birla Capital Customer

Belapur, India

Mr. Pramod Kumar Saini

Aditya Birla Capital Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Capital Customer

Hyderabad, India

Different financial needs, different loans,

For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.

Choose a loan tailored for your business needs
Simple online application process
Quick loan disbursals with minimal documentation

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FAQs on Secured Business Loan

A secured business loan is a specialised financial product designed to meet the unique needs of small and medium-sized enterprises (SMEs). It involves the borrower providing collateral, such as assets or personal guarantees, to secure the loan.

If you're self-employed, whether as a professional or non-professional, such as a trader, proprietorship, partnership, or public or private limited company, you can easily apply for a Secured Business Loan.

A Secured Business Loan can support your business by covering working capital, investing in technology, improving infrastructure, setting up new units, or scaling up production for future demand

Cash deposits or withdrawals are not allowed directly from the loan account. All transactions must be conducted through cheques, ECS, NEFT, or RTGS.

Loan repayment can be conveniently managed with various repayment channels such as ECS and NACH or through a cheque favouring Aditya Birla Finance Limited.