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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!
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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
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Unsecured Business LoanFuel your business with fast approval & flexible terms
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Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
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Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
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Equity FundsInvest smartly in Equity Funds to aim for higher returns
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Start trading in equities and other securities. Grow your wealth with our Demat account.
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Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
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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
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Credit TrackCheck your credit score and get tips on how to improve it
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Spend TrackManage your money effectively with Spend Track.
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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
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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 Eligibility Criteria
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Eligibility Criteria for Personal Loans
Are you eligible for a Personal Loan? Check whether you meet the criteria.
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 income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
Tips to Improve Personal Loan Eligibility
Improve your eligibility criteria to get easy sanctions and a higher loan amount. Check out some tips on how -
BALANCE TRANSFER LOAN
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Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
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
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
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Quick sanctions and disbursals
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Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
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 Housing Finance Customer
Belapur, India
FAQs on Personal Loan Eligibility
Aditya Birla Capital does not specify the minimum income required for a Personal Loan. You should have a steady source of income from business or employment to qualify for the loan.
You can use the loan eligibility calculator and check your eligibility online within minutes. Enter the required information in the calculator and determine the maximum loan amount you can get.
Your credit history is an important eligibility criterion for the Personal Loan. It determines your credit score. The neater your credit history, the higher would be your credit score and the easier it would be for you to get the loan sanctioned.
Personal Loans are unsecured loans wherein no collateral is required.
Retirees aged 61 years and above cannot apply for a Personal Loan.
Self-employed individuals can apply for a Personal Loan if they fulfil the other eligibility parameters of the loan and submit the relevant documents.
You will be eligible for a Personal Loan even with an existing home loan. However, in such cases, the maximum loan available to you will be reduced.
Your spouse, parents, siblings, children, etc. can be a co-applicant for your Personal Loan application if they fulfil the eligibility parameters of the loan.
Having a side job increases your income. Enhance income increases your loan eligibility and you can get a higher loan amount without hassles.
There is no minimum eligible salary for a Personal Loan, but your salary should be steady to qualify for the loan.
Aditya Birla Capital offers Personal Loans to individuals aged between 21 and 60. Your age determines your eligibility and also tenure. You will be eligible for the Personal Loan if you fall within the given age bracket. however, if your age is outside the bracket, you cannot get the loan.
Similarly, age determines the tenure. The repayment tenure might be restricted if you are old and nearing the maximum age. For instance, if Aditya Birla Capital allows loan repayments up to 61 years of age and you are 60, your repayment tenure would be limited to 12 months even though the maximum tenure offered under the loan is 84 months.