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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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2,00,000+
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INR 5.53 Lakh Cr
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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹10 Lakhs
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Reasons To Get a Personal Loan of ₹10 Lakhs from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹10 Lakhs. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹10 Lakhs Personal Loan pocket-friendly.
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 applying for the loan.
Facility to add a co-applicant
Adding a co-applicant to the ₹10 Lakhs Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Interest Rates Available for
Personal Loans of ₹10 Lakhs
Find out the interest payable on the Personal Loan of ₹10 Lakhs 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 of ₹10 Lakhs?
Find out if you are eligible to apply for a ₹10 Lakhs Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹10 Lakhs In 5 Easy Steps
Eligibility Criteria for Personal Loans of ₹10 Lakhs
Find out if you are eligible to apply for a ₹10 Lakhs Personal Loan
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 of ₹10 Lakhs
| 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
FAQs on Personal Loans of ₹10 Lakhs
You can apply for a Personal Loan of ₹10 Lakhs provided you fulfil the eligibility parameters and submit the required documents.
No tax benefits are associated with repaying a ₹10 Lakhs Personal Loan. The repayment forms a part of your taxable income.
The maximum loan limit depends on your eligibility parameters. You can use the online eligibility calculator to find the maximum limit of loans you can avail of basis your eligibility qualifications.
The EMI is calculated based on the loan amount, the applicable interest rate, and the repayment tenure you choose. You can use the online EMI calculator to find the EMIs of the loan. Enter the details for EMI calculation, and the calculator will instantly calculate the results.
The interest rate would depend on your eligibility parameters and the Long-Term Reference Rate applicable at the time of loan application. You can connect with Aditya Birla Capital and find the interest rate payable for the loan.
You can apply for a ₹10 Lakhs Personal Loan online through the website or mobile application of Aditya Birla Capital.
Aditya Birla Capital processes and approves the Personal Loan application quickly. You can get the funds sanctioned within a few hours.
To use the Personal Loan calculator, enter the loan amount, the repayment tenure, and the applicable interest rate. The calculator will instantly calculate the expected EMI of the loan.
You can add any individual who fulfils the loan eligibility criteria and has a stable source of income. Common co-applicant examples include your spouse, parents, children, siblings, etc.
Yes, you can repay the loan before the chosen tenure. If you repay the loan partially, it is called part prepayment, and it is allowed 6 months after the loan is disbursed. On the other hand, if you repay the outstanding amount of the loan entirely, it is called foreclosure. Foreclosure of the loan is allowed 12 months after the disbursement date.
Part prepayment and foreclosure are different terms, though both mean repaying the loan before the stipulated tenure. Under part prepayment, you repay a part of the outstanding loan amount in a lump sum. This reduces your outstanding dues. On the other hand, under foreclosure, you repay the entire outstanding balance of the loan before time.
Aditya Birla Capital Personal Loans allow part prepayment after the first 6 months, while foreclosure is allowed after the first 12 months of loan disbursement.
You can get a ₹10 Lakhs Personal Loan on an Aadhaar or PAN Card. However, other documents would also be required for loan application. So, submit all the relevant documents, with the PAN or Aadhaar Card, to get the loan sanctioned.
You can get a Personal Loan of ₹10 Lakhs without collateral since it is an unsecured loan.
You need to furnish valid income proof to get the Personal Loan of ₹10 Lakhs sanctioned. If you don’t have a salary slip, you can submit other acceptable proofs like Form 16, bank statement, etc.