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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
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- Corporate Social Responsibility
- Fair Practices Code
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Read About LoansMoney management made easy
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Read about InsuranceInsurance and it's aspects for laymen
Read About Credit & Banking Investments and their jargon - simplified
Read about InvestingInvestments and their jargon - simplified
Read About Personal FinanceKnow all about loans and their management
Read About PaymentsKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
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Apply for ₹15 Lakh Personal Loan
Looking for a ₹15 lakh loan to fund a major expense like home renovation, business expansion, a wedding, or a medical emergency? A ₹15 lakh personal loan from Aditya Birla Capital gives you quick access to funds with minimal documentation, competitive interest rates, and flexible repayment tenures of up to 7 years..
Use our online EMI calculator to instantly check your ₹15 lakh personal loan EMI, compare ₹15 lakh loan interest per month at different tenures, and plan your repayments with ease. For instance, a ₹15 lakh loan EMI for 5 years can be estimated in seconds. Thanks to a 100% digital application process and fast approval, applying for your ₹15 Lakh Personal Loan has never been easier. You can also use the personal loan eligibility calculator to assess your eligibility before applying for the loan.
Our Personal Finance Products
Get quick personal loans for any emergency. Enjoy a digital application and sanctioning process that delivers funds within minutes.
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get all your EMI payments under one roof at an affordable monthly payment system.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get quick access to funds to meet your urgent needs
Features and Benefits of ₹15 Lakh Personal Loan
Quick and Easy Approval
Apply for your ₹15 lakh personal loan online and get approval within minutes, thanks to Aditya Birla Capital's fully digital process. With minimal documentation and instant eligibility checks, you can move from application to approval without the usual paperwork delays. This quick and easy approval process makes it simple to access funds exactly when you need them most.
Fast Disbursal of Funds
Once your ₹15 lakh loan is approved, the amount is disbursed directly to your bank account within hours, ensuring you never have to wait to meet urgent financial needs. Whether it's a medical emergency, wedding expense, or business requirement, fast disbursal means your funds are ready when you are.
No Collateral Required
Since a ₹15 lakh personal loan is fully unsecured, you don't need to pledge any asset, property, or security to avail it. This makes the loan accessible to a wider range of applicants while keeping your valuable assets safe and unencumbered.
Flexible Repayment Options
Choose a repayment tenure that suits your budget, with options extending up to 7 years. Compare your ₹15 lakh personal loan EMI across different tenures, such as 5 years, using the EMI calculator, and choose a plan that fits your monthly loan interest budget.
Competitive Interest Rates
Enjoy attractive interest rates, making your EMI payments manageable.
Transparent Loan Process
No hidden charges—just a straightforward, secure loan application process.
Facility to Add a Co-Applicant
Adding a co-applicant to the ₹15 lakh personal loan can improve your eligibility. It may also help you qualify for a higher loan amount based on combined income.
₹15 Lakh Personal Loan Eligibility and Documents
Documents Needed for a ₹15 Lakh Personal Loan
- Identity Proof : Aadhaar card, PAN card, Job Card issued by NREGA, passport, or voter ID.
- Residential Proof : Utility bills, rental agreements, or passport.
- Income Verification : Latest salary slips (for salaried applicants) or income tax returns (for self-employed applicants).
- Bank Transaction History : Bank statements from the last 6 months to assess income and repayment capability.
- Recent Photographs : Passport-sized photographs required for verification.
Eligibility Criteria for a ₹15 Lakh Personal Loan?
- Age Requirement : Applicants must be between 21 and 60 years old.
- Employment Type : Both salaried professionals and self-employed individuals are eligible.
- Credit Score Requirement : A credit score of 700-750 or higher enhances your chances of approval.
- Stable Income Criteria : A verifiable and steady monthly income is necessary for loan approval.
- Work Experience Criteria : Salaried individuals should have at least 1 year of total work experience, with a minimum of 6 months in their current job.
Types of Personal Loan in India
How to Apply for a ₹15 Lakh Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹15 lakh personal loan, including age, income, and credit score requirements.
Apply Online
Visit the Aditya Birla Capital website or app and fill out the online application form to apply for an instant personal loan of ₹15 lakhs.
Upload Documents
Submit your KYC, income proof, and other required personal loan documents digitally to complete the verification process.
Quick Approval
Get a decision on your instant loan of ₹15 lakhs within minutes, thanks to a fast and hassle-free approval process.
Loan Sanction
Once approved, review and accept the loan terms, including interest rate, tenure, and EMI details for your personal loan of ₹15 lakhs.
Receive Funds
Once sanctioned, the ₹15 lakh loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹15 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. |
Customer Satisfaction Stories
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
Ashesh Shah
Aditya Birla Capital Limited
Mr. Baijnath Choudhary
Aditya Birla Capital
Mrs. Snehal Rajpure
Aditya Birla Finance Customer
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
Top-Up
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Comprehensive coverage
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Affordable with low premiums
ABC Of Personal Loans
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.