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Laptop on EMI
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Applying for Personal Loan for Laptops
Having a reliable laptop is essential for both personal and professional needs. Whether you need it for remote work, studies, or entertainment, investing in a laptop can be a significant expense. If you’re looking to buy a new laptop but don’t have the necessary funds immediately, a personal loan for laptop could be the perfect solution. At Aditya Birla Capital, we offer a straightforward, hassle-free process for obtaining a loan, ensuring you get the device you need without delay. Here’s how you can apply for a loan for laptop and make your purchase today.
Features of Personal Loan for Laptop
Fast Online Approval
By applying online, you can get approval for your loan for laptop in just a few minutes.
Quick Transfer of Funds
Once your loan is approved, the money will be disbursed to your account within 24 to 48 hours.
No Collateral Needed
This loan is unsecured, meaning there’s no need to pledge any personal assets as collateral.
Simple Application Process
The application process is designed to be as quick as possible with minimal documentation required.
Flexible EMI Plans
Choose an EMI plan that suits your budget, giving you full control over your repayment schedule.
Competitive Interest Rates
We offer attractive interest rates to ensure that your loan for laptop is affordable and easy to repay.
Transparent Process
With no hidden fees or surprise charges, the process is transparent from start to finish.
Reasons To Get a Personal Loan for Laptop from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure the loan. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of up to 84 months to ensure affordable EMIs for easy repayments.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments.
Quick Sanctions
Get the funds transferred to your account within 24 hours of application.
Facility to add a co-applicant
Adding a co-applicant to the Personal Loan for Laptop can increase your eligibility. You can get a higher loan amount and buy the latest model.
Interest Rates Available for
Personal Loans for Laptops
Find out the interest payable on the Personal Loan for Laptop to plan your repayments effectively.
Loans up to 12 months| Loan Type | Interest |
|---|---|
| The Short Term Reference Rate (STRR) | 19.45% p.a. w.e.f.from March 1, 2024 |
Loans more than 12 months| Loan Type | Interest |
|---|---|
| The Long Term Reference Rate (LTRR) | 20.45% p.a. w.e.f. from March 1, 2024 |
Who Can Apply For a Personal Loan for a Laptop?
Find out if you are eligible to apply for a Personal Loan for Laptops
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for Loan for Laptop Online
Visit the Aditya Birla Capital Website or App
Start by visiting the official Aditya Birla Capital website or downloading the app.
Check Your Eligibility
Use our online eligibility calculator to determine whether you qualify for the loan.
Complete the Online Application Form
Fill in the online form with your personal, employment, and income details.
Upload the Required Documents
Submit scanned copies of your identity proof, address proof, income proof, and other necessary documents.
Loan Verification & Approval
We will quickly verify your application and approve the loan.
Instant Disbursal
Once approved, the loan for engineers will be credited to your bank account within 24-48 hours.
Eligibility Criteria for Personal Loans for Laptops
Are you eligible for a Personal Loan for Laptops? 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.
Fees and Charges for Personal Loans for Laptops
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule 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 |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
ABC Of Calculators
Your estimated EMI amount
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*
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
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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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.
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
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.
FAQs on Personal Loans for Laptops
By taking out a Personal Loan for a Laptop, you can buy a laptop from any brand. The loan does not dictate the laptop brand or how the funds can be used.
You can return the laptop after purchasing it; the loan will not be affected. You have to continue repaying the loan over the repayment tenure.
Insurance is not necessary when taking a Personal Loan for a Laptop. You can buy it if needed voluntarily.
You can apply for a Personal Loan for a Laptop online of offline. For online access, visit Aditya Birla Capital’s website or download the mobile application on your Smartphone and apply for the loan. For the offline mode, locate and visit the nearest branch and make your application.
Aditya Birla Capital processes the Personal Loan for a Laptop quickly if your application is correct and all the relevant documents are submitted. You can get the loan within hours.
If students qualify on the eligibility parameters and have a steady source of income, they can apply for the loan. If not, their parents can apply for a Personal Loan for a Laptop on their behalf.
Aditya Birla Capital allows a maximum loan tenure of 84 months under the Personal Loan for a Laptop.
You can use the Personal Loan for a Laptop to buy insurance or an additional warranty for the laptop. It is a multipurpose loan that does not restrict the usage of funds.
Yes, a Personal Loan can help you buy a laptop for your business as it is a multipurpose loan.
No down payment will be required to get a Personal Loan for a Laptop. You can apply for the loan and get the funds to buy the laptop easily.
You can get a loan for buying a laptop. Personal Loans are available and offer multipurpose funds for your financial needs.
The interest on the Laptop Loan depends on your eligibility parameters, credit score and the lender’s interest rate policy. With Aditya Birla Capital, Laptop Loans are issued based on Short-Term and Long-Term Reference Rates, which range from 19.45% p.a. to 20.45% p.a.