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Home LoanFind customised home loan solutions for your unique needs
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Top up Home LoanGet a loan on your existing home loan to meet your needs
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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!
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Secured Business LoanBoost your business with competitive rates & flexible terms
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Working Capital Demand LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
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Unsecured Business LoanFuel your business with fast approval & flexible terms
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
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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
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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
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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
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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
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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
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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.
Personal Loan
- Attractive interest rates
- Hassle-free application process
- Flexible Repayment Options
Apply For Personal Loan Online In 5 Easy Steps
Features & Benefits of
Personal Loan
No Collateral Needed
Get a loan without requiring any collateral or security and with minimal documentation.
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, making it ideal for emergencies.
Flexible Repayment Tenure
Enjoy flexible repayment tenure options, ranging up to 7 years, allowing you to choose a repayment plan that suits your financial situation and needs.
Increase Eligibility
Combine your income with that of a co-applicant to increase your eligibility and secure a higher loan amount.
Features of Our Personal Loan
Explore the benefits of our Personal Loan
Enjoy low personal loan interest rates for affordable repayments.
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.
Quick and easy Personal loans for all your goals
Eligibility Criteria for Personal Loan
Before opting for a Personal 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
Eligibility Criteria
Personal Loan Fees and 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
Your estimated EMI amount
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
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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Range of loan options for different needs -
Quick sanctions and disbursals
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Loan Against Property
- High LTV ratio for loans
- Low interest rates, easy repayments
Balance Transfer
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Reduced Interest Rates
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Lower Monthly Payments
FAQs on Personal Loan
A personal loan is a credit option that allows you to meet financial obligations without providing 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.
A personal loan is versatile and can cover various expenses like home renovations, marriage, vacations, debt consolidation, medical bills, business investments, car repairs, etc.
Yes! The minimum personal amount that you can borrow is about Rs 50,000.
Yes! You can apply for a Personal Loan individually or jointly with a family member, such as your spouse or parents. Applying with a co-borrower, especially with a higher income, increases the potential for a larger Loan amount. However, if the co-applicant has a poor credit history, it could negatively impact the Loan application's success.
The essential documents typically include
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KYC Documents
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Address Proof
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Income proof (such as salary slips for salaried individuals or recently acknowledged ITR for the self-employed).
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Identity proof
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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.
Maintaining a good credit score is vital because it increases the likelihood of securing a loan at a lower interest rate. A good credit score reflects your creditworthiness and repayment capacity. If you want to apply for a personal loan, maintain a credit score above 750.
Yes! You can prepay or foreclose your Personal Loan once the lock-in period of 12 months is over. Remember that charges (and taxes) apply for foreclosing a Personal Loan. No partial prepayment is allowed.
Upon approval of your Personal Loan, the funds are electronically deposited directly into your savings account.
Regular automated emails are shared throughout the Loan cycle. You can also connect with the assigned relationship manager for any updates on your Loan status.
No, self-employed individuals cannot apply for a personal loan.
You can reach us through:
Helpline: 1-800-270-7000 — 8 AM to 7 PM, Monday to Sunday
Service Branches: 10:00 AM to 5:00 PM, Monday to Friday and alternative Saturdays (Branches Remains Closed On 1st & 2nd Saturday & All Sundays)
Yes, the typical age limit for personal loan applicants is between 21 to 60 years, but this may vary.
Personal loan interest rates are usually fixed, meaning they remain constant throughout the loan tenure.
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.
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
Missing an EMI payment can result in late fees, penalties, a negative impact on your credit score, and additional interest on overdue amounts.
ABCL offers:
- 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, i.e., Post-dated Cheques/Undated Cheques/Security Post-dated cheques in the custody of ABCL or ABHFL will be cancelled and shredded/destroyed, without any intimation to the customer, after the closure of the loan account.
Our Other Personal Finance Product
Flexi Loan
Withdraw funds as needed, repay when you can, and pay interest only on the utilised amount.
Know MoreABC Of Personal Finance
Our Lending Partners
Aditya Birla Capital Limited
10th Floor, R-Tech Park, Nirlon Complex, Goregaon, Mumbai - 400063, CIN: L67120GJ2007PLC058890, GRO Details: Mr. Arijit Sen, 080 - 45860196, grievance.finance@adityabirlacapital.com