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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
Calculate Now
Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital Demand LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya 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 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
Unsecured Business Loan
- Short-term Loans
- Approvals with 100% digital process
- Loan up to ₹10 lakhs without collateral
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
Identify your needs
Check your loan eligibility
Upload required documents
Get loan disbursed instantly
Get loan disbursed instantly
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
Business Loan Calculators
Get a clearer picture of your loan requirements before applying.
What is a Business Loan EMI Calculator?
A Business Loan EMI calculator computes your monthly loan repayment amount, helping you foresee and manage repayments conveniently. It also helps you make wise financial choices by ensuring you can afford the loan in the given loan period.
How does the calculator work?
The calculator estimates monthly payments based on the loan amount, expected interest rate, and the tenure of your selection. All you need to do is provide the required data and the calculator will take care of the rest.
Interest
Payout
Your EMI Details
₹ 0Total Interest
₹ 0Total Payout
₹ 0Customer Satisfaction Stories
Don’t just take our word for it. Hear from our customers about their successful financial journey with us
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.
Aditya Birla Capital Customer
Belapur, India
Aditya Birla Capital Limited
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Capital Customer
Hyderabad, India
Aditya Birla Capital Customer
Different financial needs, different loans, one app - ABCD
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
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Choose a loan tailored for your business needs -
Simple online application process
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Quick loan disbursals with minimal documentation
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Scan the QR code to download our Mobile App
Credit Track
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Decide wisely with credit stimulator
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Get personalised loan offers
Spend Track
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Keep track of your expenses
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Track inflows and outflows
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.
No. Part-payment is not allowed.
Yes, it does have an impact on the borrower’s credit score. Your credit score will be improved if you pay your EMIs on time. Paying your EMIs on time will make you a low-risk borrower and increase your borrowing capacity.
Yes. It is possible to increase the credit limit.
To qualify for a business loan, you need to meet the following eligibility criteria:
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Your business entity should fall into one of the following categories: sole proprietorship, partnership firm, private limited company, closely held publicly listed company, or recognized and reliable societies and trusts.
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Your business must demonstrate a consistent earning position for at least three consecutive years.
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Submission of thorough and verifiable financial documents is mandatory. This includes balance sheets and profit and loss statements for the past two years, accompanied by the requisite tax audit reports.
Loan repayment can be conveniently managed through affordable EMIs, utilising various repayment channels such as ECS and NACH.
ABC Of Business Loans
Other Products
Secured Business Loan
Take your entrepreneurial journey to the next level with a low-interest, long repayment period secured business loan.
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