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Need a ₹15 lakh personal loan for a major financial requirement? Whether it’s for a home renovation, business expansion, wedding, or medical emergency, a personal loan offers a quick and hassle-free solution. With an easy online application process, you can secure a ₹15 lakh personal loan with flexible repayment options and competitive interest rates. At Aditya Birla Capital, we ensure a smooth borrowing experience with minimal documentation and instant processing. Here’s everything you need to know to apply for a ₹15 lakh personal loan.
There is no need to pledge any asset to secure a Personal Loan of ₹15 Lakhs. The funds are sanctioned based on your eligibility parameters—that’s all!
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹15 Lakhs Personal Loan pocket-friendly.
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Get the funds transferred to your account within 24 hours of applying for the loan.
Adding a co-applicant to the ₹15 Lakhs Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Find out the interest payable on the Personal Loan of ₹15 Lakhs to plan your repayments effectively.
Find out if you are eligible to apply for a ₹15 Lakhs Personal Loan
Access the official website or download the Aditya Birla Capital app to begin your application.
Use our online loan calculator to determine your eligibility for a ₹15 lakh personal loan and estimate your EMI.
Fill out the application form with your personal details, employment information, and loan requirements.
Submit scanned copies of identity proof, income proof, and bank statements for verification.
After verification, your ₹15 lakh personal loan application will be reviewed and approved if all criteria are met.
Once approved, the loan amount will be credited to your bank account within 24 to 48 hours.
Are you eligible for a ₹15 Lakhs Personal Loan? Check whether you meet the criteria.
* A higher age limit is applicable at the time of loan maturity.
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 |
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₹ 0*EMI @ 9% Interest Rate
₹ 0*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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You can apply for a Personal Loan of ₹15 Lakhs offline through Aditya Birla Capital’s branches. Locate the nearest branch, visit it and apply for the loan offline. You must complete an application form and submit the relevant documents to apply for the loan.
Aditya Birla Capital processes and disburses the loan within hours. So, you can get immediate funding for your needs through the company’s ₹15 Lakhs Personal Loan.
The maximum repayment tenure of a ₹15 Lakhs Personal Loan is 84 months.
To secure a higher loan amount, here are some tips -
• Have a good credit score
• If you have existing liabilities, pay them off before applying for them
• Add a co-applicant to your loan application
You can take a Personal Loan of ₹15 Lakhs to buy a car.