Apply for Unsecured Business Loan Online - ABCD Aditya Birla Capital

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About Us

Aditya Birla Capital Limited (“ABCL”) is a listed systemically important non deposit 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 66,500 employees, the businesses of ABCL have a nationwide reach with over 1,759 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,759

No. of Employees

66,500

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 7.53 Lakh Cr

Consolidated Lending Book

INR 2.19 Lakh Cr

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Loans

Investments

Insurance

Loans

Investments

Insurance

Advisor

Select Advisor

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 Buy your Unsecured Business Loan
from Aditya Birla Capital Limited

No Branch Visits

Apply from home and our team will collect the required documents from your home or office for a seamless experience.

Collateral-free Loans

Get the loan without the need for collateral. Share key details and receive instant approval for business growth.

Instant Loan Disbursal

Get instant disbursal, thanks to our efficient online processing

Convenient Online Application

Apply online in just three simple steps. No need to wait for months or go anywhere.

Flexible Tenure

Tailor your repayment plan to suit your financial goals with our flexible tenure options, ranging from 12 to 36 months.

Who Can Apply For Unsecured Business Loan?

Self Employed Professional

Self Employed Non-Professional

Get An Unsecured Business Loan In 4 Easy Steps

STEP

Identify your needs

STEP

Check your loan eligibility

STEP

Upload required documents

STEP

Get loan disbursed instantly

apply now

Business Loans Interest Rates

Get the best rates to take your business to the next level!

ROI	21% - 29%
Processing Fees	2.75% - 3%

Unsecured Business Loan Eligibility

Before applying for a Udyog Plus Unsecured Business Loan, ensure you qualify by checking your eligibility here.

Eligibility criteria

Constitution Type Self Employed Individuals, Proprietors
Age 21 – 65 yrs (at the time of loan maturity)
Business Vintage 1 year and above
Business Turnover More than Rs.5 lakhs for the last 6 months
Credit Score 650 and above

Documents needed

Proof of identity and address | Aadhaar Card and PAN
Proof of business | Valid business proofs
Bank or GST statement | Bank Account statements of last 6 months or GST statements of 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

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

Ashesh Shah

Aditya Birla Capital Limited

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

Mr. B. Narsimulu

Aditya Birla Capital Customer

Hyderabad, India

Mr. Pramod Kumar Saini

Aditya Birla Capital Customer

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 Unsecured Business Loan

Unsecured business loans are financial solutions crafted to support small businesses and aspiring entrepreneurs in swiftly addressing their capital requirements. Whether you are launching a new venture or aiming to expand an existing one, an Unsecured business loan serves as a quick and efficient means to secure the essential funds. By opting for such a loan, you gain immediate access to the capital necessary for covering various expenses, including initial setup costs, ongoing operational expenditures, and other crucial aspects of rapid business development.

If you are a self-employed individual, whether a professional or non-professional like a trader, manufacturer, or service provider, securing an online business loan in India is easily attainable. Additionally, entities such as LLPs, partnership firms, and private limited companies can apply for small business loans.

Yes! An instant business loan provides the flexibility to utilise the funds for various business needs such as inventory acquisition, bill payments, staffing, or business expansion. However, it is crucial to exercise prudence and allocate the funds solely for business-related expenses to prevent unwarranted debt.

Yes! People with poor credit history can also apply for a loan but it may incur high interest rates and fees compared to those with a better credit history.

If you are unable to repay the loan as per the deadline, please communicate the same to us. We may offer alternative options like payment plan, loan extension, or refinancing. It's important to note that non-repayment may impact your CIBIL credit score, incur additional charges, and could lead to legal action.