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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

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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Personal Finance

Unlock a world of possibilities with diverse personal finance options, tailored for every chapter of your life.

Personalised solutions
Flexible repayment options
Collateral-free lending

Step 1

Step 2

Step 3

Finish

165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

What is Personal Finance?

It is a range of financial solutions and strategies designed to help you meet expected and unexpected financial needs. These convenient financing solutions can cover a wide range of expenses, from consolidating debt and financing medical emergencies to pursuing educational goals and fulfilling lifestyle aspirations.

Competitive interest rates
Quick and transparent processing
Convenient repayment options

Features of Our Personal Loan

Explore the benefits of our Personal Loan

Personal Loan

Attractive interest rates, flexible terms, and a seamless application process. Your path to achieving your financial goals begins here.

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Flexi Loan

Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.

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Compare Our Personal Finance Products

A quick glance at how personal finance solutions differ from each other

PRODUCT TYPE	PERSONAL LOAN	FLEXI LOAN
Purpose	Consolidating debt, financing medical expenses, pursuing education, fulfilling lifestyle aspirations	To get funds instantly and repay the loan at your convenience.
Who Can Apply	Salaried Age: 21 to 60 years, Credit score: above 750+ Salary (Min/per month): Rs. 25K (for Mumbai and Delhi), Rs. 20K for Tier 1 cities and Rs. 18K for Tier 2,3 and 4 cities.	Salaried
Loan Amount	Up to ₹50 lakhs
Tenure	Up to 7 years	Up to 7 years
Interest Rates	13% to 28% p.a.	11% to 16% p.a.
Processing Fee	Up to 2.5% of the loan amount	Up to 2.5% of the loan amount
Additional Features	No collateral needed	Interest charged only on the utilised amount
	APPLY NOW	APPLY NOW

Personal Finance:
Interest Rates Available

Loans up to 12 months

Loans up to 12 months - The Short Term Reference Rate (STRR) would be considered which is 19.25% p.a. w.e.f. March 23, 2023

Loans more than 12 months

The Long Term Reference Rate (LTRR) would be considered which is 20.25% p.a. w.e.f. March 23, 2023

Personal Finance: Fees & Charges

Charge Type	Amount
Processing fees	Up to 4% of the loan sanctioned amount
Cheque Return charges	₹1000 + GST per instance
Penal charges (charges levied for non-payment of overdue amount)	3% p.m. (36% p.a.) on the overdue amount for the delayed period
Penal charges for non-compliance with material terms and conditions (covenants / stipulated conditions) mentioned in the Sanction Letter / Loan Agreement, wherever applicable	2% p.a. on the outstanding loan amount till the date of compliance
Charges for cancellation of Loan	4% of loan amount disbursed + applicable taxes
CIBIL report retrieval fees	Rs. 50 per instance for Consumer and Rs. 500 per instance for commercial CIBIL/Credit Report
Charge for Exchanging PDCs / ECS	₹750 + GST per instance
Loan re – schedule charges	₹5000 + GST per instance
Stamp Duty	As per Actual if applicable
Insurance Premium	As per Actual if applicable
Pre – closure Quote	₹1000 + GST per instance
Any other charges	As per Actual if applicable
Duplicate No Due Certificate issuance charges	Rs. 500 per instance
Foreclosure Charges	For Term Loan: Upto 4% of the principal outstanding amount For Flexi Loan: Upto 4% of the total withdrawable amount Conditions: Foreclosure is allowed only after 12 months from the date of disbursal of loan.
Part Pre-payment charges	For Term Loan: a) NIL charges – if part pre-payment is equal to 20% of principal outstanding amount b) Upto 4% on remaining loan amount – if part pre-payment is greater than 20% of principal outstanding amount Conditions: a) No pre-payment is allowed in first 12 months from the date of disbursement b) Part pre-payment amount should be equal to OR greater than total of 3 EMIs For Flexi Loan: a) No charges for payments through mobile app/portal. b) Part pre-payment of loan facility toward limit reduction is not available

ABC Of Calculators

View All Calculators

PERSONAL LOAN AMOUNT

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

I CAN PAY EMI OF

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

Your estimated EMI amount

₹ 0

Total Interest

₹ 0

Total Payout

₹ 0

Salaried
Self Employed

CURRENT AGE

MONTHLY INCOME

YOUR CURRENT MONTHLY OBLIGATIONS

You are eligible for a loan of

₹ 0*

For a tenure of0 years

EMI @ 9% Interest Rate

₹ 0*

Our Personal Finance Products Find a wide range of solutions for all your financing needs.

Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN

Loans by Amount PERSONAL LOAN OF RS.50000 PERSONAL LOAN OF RS. 60000 PERSONAL LOAN OF RS. 1 LAKH PERSONAL LOAN OF RS. 2 LAKH PERSONAL LOAN OF RS. 3 LAKH PERSONAL LOAN OF RS. 4 LAKH PERSONAL LOAN OF RS. 5 LAKH PERSONAL LOAN OF RS. 10 LAKH PERSONAL LOAN OF RS. 15 LAKH PERSONAL LOAN OF RS. 20 LAKH PERSONAL LOAN OF RS. 25 LAKH

Loan for Utility LOAN FOR IPHONE LOAN FOR LAPTOP LOAN FOR TV

Loans by Profession LOAN FOR SALARIED LOAN FOR SELF EMPLOYED LOAN FOR GOVERNMENT EMPLOYEES LOAN FOR DOCTORS LOAN FOR TEACHERS LOAN FOR CA LOAN FOR ENGINEERS

Loans by Needs MEDICAL EMERGENCY LOAN WEDDING LOAN TRAVEL LOAN HOME RENOVATION DEBT CONSOLIDATION LOAN LOAN FOR EMERGENCY LOAN FOR SHOPPING LOAN FOR WOMEN

Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Mrs. Snehal Rajpure

Aditya Birla Finance 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.

Range of loan options for different needs
Quick sanctions and disbursals

Download our mobile app now

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Home Loan

Affordable home loan on ABCD App

Up to 90% property cost loans
Flexible 30-year repayment tenures

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Portfolio Track

Consolidate with Portfolio Track

Consolidate assets, liabilities
Track portfolio at fingertips

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FAQs on Personal Finance

You can reach us via:

• Helpline: 1-800-270-7000 — 9 am to 9 pm, Monday to Sunday (closed on national holidays)

• Service Branches: 9.30 am to 6 pm, Monday to Friday and alternative Saturdays (2nd, 4th and 5th Saturdays are working. Branch closed on Sundays and national holidays)

We always strive to offer you a hassle-free experience. To help you control your loan account, we are introducing a unique and completely secure service platform called ABCL Connect. You can access your loan account by using your login credentials - click here (https://finlogin.adityabirlacapital.com/Pages/Secured/OneABC/Login.aspx).

Features of ABCL Connect are:

• View your loan account whenever, wherever

• View and save your amortisation schedule for any future reference

• Make an online request for disbursement

• Change your ECS mandate

• Ask for a top-up loan

• Apply for a new loan

ABCL has a unique set of offerings as mentioned below:

• Customised solutions; hassle-free financing

• Complete transparency in charges and processes

• Quick approvals and minimum processing and disbursement time

• Easy online application process and instant eligibility

• Doorstep services with simplified documentation through service RM’s

• Choose between simple EMIs or structured repayments

• Attractive balance transfer option available to transfer your existing loan to us without any hassles

Any unbanked/unused cheques in the custody of ABCL or ABHFL, such as post-dated cheques, undated cheques, and security post-dated cheques, will be cancelled and destroyed without any intimation to the customer after the closure of the loan account.

This is done to protect the customer from fraud and to ensure that the cheques cannot be used once the loan account is closed.

Aditya Birla Capital offers a comprehensive suite of personal finance products to cater to diverse needs, including:

• Personal Loans: Access funds for a variety of purposes with flexible repayment options and competitive interest rates.

• Flexi Loan: Experience the flexibility to withdraw funds as per your needs and repay conveniently with interest charged only on the utilised amount.

The essential documents typically include

KYC Documents
Address Proof
Income proof (such as salary slips for salaried individuals or recently acknowledged ITR for the self-employed).
Identity proof
Loan Statements

Yes! Along with the interest on the principal amount, there is a non-refundable processing fee of up to 1.5% to 4% of the loan amount when applying for a personal loan.

A Flexi loan is a credit option that allows you to meet financial obligations without the need to provide security or collateral. It comes without an end-use restriction, thus it can be used for a variety of purposes, making it easy to manage. Also, you can withdraw funds as needed and pay interest only on the utilised amount.

A Flexi loan is versatile and can cover various expenses like home renovations, marriage expenses, education fees, vacations, debt consolidation, purchasing electronics and appliances, medical bills, business investments, car repairs, and more.

To qualify for a Flexi loan, you need a consistent income, whether you're a salaried employee, self-employed, or a professional. Your eligibility depends on factors like employer, credit history, residential location, and other criteria as per the eligibility criteria mentioned.

No! There's no restriction on the number of withdrawals you can make, allowing you to access funds as and when required. However, it's crucial to ensure that your withdrawals remain within the pre-approved credit limit sanctioned by Aditya Birla Finance. This ensures responsible borrowing and prevents you from overextending your finances.

No. There is no difference between a 'Flexi loan' and a 'personal line of credit'. The terms are often used interchangeably, as they essentially refer to the same type of revolving credit facility. Both options provide a flexible line of credit, allowing borrowers to withdraw funds up to a pre-approved limit and repay them as needed. The primary distinction between the two terms lies in their branding and usage, with "Flexi loan" being more commonly used by Aditya Birla Finance and "personal line of credit" being a general term used by various financial institutions.