Flexi Loan

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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 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 Cr

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Flexi Personal Loan

A Flexi Personal Loan is a unique financial solution that gives you access to a pre-approved credit limit, allowing you to withdraw funds as needed. Unlike traditional personal loans, you pay interest only on the amount you use, not the entire sanctioned loan. This loan works like a revolving credit line, offering financial flexibility for salaried professionals, business owners, and freelancers with unpredictable expenses. Whether you're managing medical emergencies, home renovations, business expansion, or travel expenses, a Flexi Loan helps you stay financially prepared without the burden of fixed EMIs.

Features of a Flexi Personal Loan

Withdraw Funds as Needed

Access your approved credit limit and withdraw funds whenever required.

Pay Interest Only on the Used Amount

Interest applies only to the withdrawn sum, reducing overall borrowing costs.

Flexible Repayment Options

Choose to pay just the interest initially and repay the principal later.

Zero Foreclosure Charges

Close your loan anytime without penalties.

Instant Access to Funds

Withdraw money instantly through an online portal or mobile app.

Minimal Documentation

No need for repeated approvals access your funds with ease.

Higher Loan Limit

Enjoy a pre-approved credit line tailored to your financial needs.

Reasons To Get A Flexi Loan
From Aditya Birla Capital

Multiple Withdrawals

Enjoy the freedom to withdraw funds as per your evolving requirements, without the hassle of repeated loan applications. Pay interest only on the utilised amount.

Predictable Monthly Payments

Enjoy fixed interest rates and predictable monthly payments that help you plan your budget and finances accordingly.

Quick Disbursal

Get the loan amount quickly, usually within 24 hours of approval. This makes them ideal for emergencies.

Flexible Repayment Tenure

We offer flexible repayment tenure options, ranging up to 7 years, allowing you to choose a repayment plan that suits your financial situation and needs.

No Partial Repayment Charges

Make partial repayments without incurring any additional charges, providing you with the flexibility to get debt-free sooner.

How to Apply for a Personal Loan for iPhone?

1step

Apply Online

Visit the loan application page and submit your details.

2step

Upload Documents

Submit your KYC and income proof digitally for verification.

3step

Get Approval

Once verified, receive a pre-approved credit line.

4step

Withdraw Funds When Needed

Access your loan limit and use funds as per your requirements.

5step

Pay Interest Only on the Used Amount

Enjoy lower borrowing costs by paying interest only on what you withdraw.

Flexi Loan Eligibility

Before opting for a Flexi Loan, ensure you qualify by checking your eligibility here.

Documents Needed

Proof of identity and address Passport / Aadhaar Card / Voter's ID / Driving License / Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
Bank statement where income is credited Last 6 months
Proof of other incomeLast 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16

Disclaimer - All loans will be at the sole discretion of ABCL.