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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.
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TV on EMI
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
What is a Personal Loan for TV?
A personal loan for a TV is a specialised loan designed to help individuals buy a television on easy EMIs. This loan provides quick financing with minimal paperwork, allowing borrowers to choose their desired TV model without upfront financial stress. Whether it’s a smart TV, an OLED, or a large-screen model, a TV loan enables customers to enjoy premium entertainment while repaying the amount in comfortable instalments. With flexible repayment tenure and competitive interest rates, this loan ensures a smooth purchasing experience.
Features of Instant Loans
Instant Approval
Get loan approval within minutes to make your TV purchase hassle-free.
Flexible Repayment Options
Choose a repayment tenure that best suits your budget.
No Collateral Required
Get a TV loan without pledging any security or collateral.
Low Processing Fees
Enjoy minimal processing charges, making your loan more affordable.
Prepayment & Foreclosure Options
Pay off your loan early without heavy penalties.
Minimal Documentation
Quick and easy processing with basic documents.
Attractive Interest Rates
Competitive rates ensure affordable EMIs for your loan.
Reasons To Get a Personal Loan for TV 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 TV can increase your eligibility. You can get a higher loan amount and buy the latest model.
Interest Rates Available for
Personal Loan for TV
Find out the interest payable on the Personal Loan for TV 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 TVs?
Find out if you are eligible to apply for a Personal Loan for TV
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan for TV In 5 Easy Steps
Eligibility Criteria for Personal Loan for TV
Are you eligible for a Personal Loan for TV? 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 Loan for TV
| 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.
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Aditya Birla Finance Customer
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 Loan for TV
You can apply for a Personal Loan to buy a TV if you meet the eligibility parameters specified for the loan and submit the relevant documents.
A Personal Loan and a credit card can allow you credit to buy a TV on loan. However, a Personal Loan can be a better alternative because of the following reasons -
• It can offer a higher loan amount than credit cards
• The interest rate is lower
• You can get a longer repayment tenure for affordable EMIs
The loan amount depends on your eligibility qualifications. Use the loan eligibility calculator to find out how much you can borrow with a Personal Loan for a TV.
You can use the Personal Loan for any other expense related to your TV purchase. The loan is multipurpose and does not restrict how you use it.
Before applying for a Personal Loan for a TV, consider the following things -
• The loan amount that you need - borrow only what you need
• The interest rate - the lower, the better
• The repayment tenure - ensure that it offers the most affordable EMI
• Other charges associated with the loan - the lower the better
The Personal Loan for a TV can be used to buy a second-hand or refurbished TV, as there is no restriction on how the loan is used.
You can use the loan EMI calculator to find the right amount of EMI for the loan. The calculator is free and can be used multiple times till you get the right EMI.
You can transfer your loan to another lender through the balance transfer process. It can help you get a lower interest rate on the loan.
You can use a Personal Loan for a TV to buy other electronics, too, as it is a multipurpose loan.
Nothing will happen to the loan even if you have returned the TV. The loan repayment will continue undisturbed. If you have surplus funds after returning the TV, you can even prepay or foreclose the loan if allowed.
You can get a Personal Loan to buy a TV. A Personal Loan is a multipurpose loan that can be used for any financial need. So, if you want to buy a TV, you can apply for the loan and get the funds quickly.
The interest rate depends on your eligibility parameters and the lender’s pricing policies. Aditya Birla Capital offers Personal Loans for a TV based on its Short-Term and Long-Term Reference Rates, which range from 19.45% p.a. to 20.45% p.a.