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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. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.

Nationwide Branches

1,482

No. of Employees

59,000

Agents/Channel Partners

2,00,000+

Aggregate Assets

INR 3,550 Billion

Active Customer Base

39 Million

Consolidated Lending Book

INR 699 Billion

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Loans

Investments

Insurance

Loans

Investments

Insurance

Advisor

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Flexi Loan

Withdraw funds as needed, repay when you can, and pay interest only on the utilised amount.

Flexible repayment options
Hassle-free application process
Quick and easy disbursal

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Finish

165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

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Interest applies only to the withdrawn sum, reducing overall borrowing costs.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

Eligibility Criteria

Nationality

Age

CIBIL Score

Employment

Indian citizen

21 years to 60 years*

700 or higher

Salaried

* Higher age limit is applicable at the time of loan maturity.

Note - This is an indicative list that may change based on your actual loan application.

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 5,000 PERSONAL LOAN OF 10,000 PERSONAL LOAN OF 15,000 PERSONAL LOAN OF 20,000 PERSONAL LOAN OF RS. 25,000 PERSONAL LOAN OF RS. 30,000 PERSONAL LOAN OF RS. 50,000 PERSONAL LOAN OF RS. 60,000 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 LOAN FOR EDUCATION 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 Capital Customer

Mr. Pramod Kumar Saini

Aditya Birla Capital Customer

Mrs. Snehal Rajpure

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.

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

View Products

Loan Against Property

Pledge property, access funds

High LTV ratio for loans
Low interest rates, easy repayments

View Products

FAQs on Flexi 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.

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Step 1

Step 2

Step 3

Finish

Flexi Loan

Flexi Personal Loan

Features of a Flexi Personal Loan

Withdraw Funds as Needed

Pay Interest Only on the Used Amount

Flexible Repayment Options

Zero Foreclosure Charges

Instant Access to Funds

Minimal Documentation

Higher Loan Limit

Reasons To Get A Flexi Loan From Aditya Birla Capital

Multiple Withdrawals

Predictable Monthly Payments

Quick Disbursal

Flexible Repayment Tenure

No Partial Repayment Charges

How to Apply for a Personal Loan for iPhone?

Apply Online

Upload Documents

Get Approval

Withdraw Funds When Needed

Pay Interest Only on the Used Amount

Flexi Loan Eligibility

Documents Needed

Eligibility Criteria

Customer Satisfaction Stories

Different financial needs, different loans, one app - ABCD

Home Loan

Loan Against Property

FAQs on Flexi Loan

What is a Flexi loan?

What can a Flexi loan be used for?

Am I eligible for a Flexi loan?

Is there a limit to the number of times I can withdraw and make repayments on my Flexi loan?

Is there a difference between a 'Flexi loan' and a 'personal line of credit'?

Our Other Product

Personal Loan

ABC Of Personal Finance

Your Ultimate Guide to MPIN: Making Digital Payments Super Safe

Clear Debt Faster: A 12-Month Plan to Pay Off Debt in 2025

Bank Rate vs Repo Rate: Meaning, Differences & Importance

Understanding ACH Mandate: Your Guide to Automated Payments

How to Exchange Foreign Currency in India: Here’s What NRIs Should Know

5 Easy Ways to Get an Instant Personal Loan Without CIBIL Score

How to Exchange Foreign Currency in India: Here’s What NRIs Should Know

What Are Credit Bureaus and What Do They Do?

Our Lending Partners

Reasons To Get A Flexi Loan
From Aditya Birla Capital

Different financial needs, different loans,
one app - ABCD