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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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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹15,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Reasons To Get a Personal Loan of ₹15,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹15,000. 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 ₹15,000 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 ₹15,000 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 ₹15,000
Find out the interest payable on the Personal Loan of ₹15,000 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 ₹15,000?
Find out if you are eligible to apply for a ₹15,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹15,000 In 5 Easy Steps
Eligibility Criteria for Personal Loans of ₹15,000
Are you eligible for a ₹15,000 Personal Loan? 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 of ₹15,000
| 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
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₹ 0Total Payout
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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 of ₹15,000
The maximum age to apply for a ₹15,000 Personal Loan is 60 years. Since you are older than the maximum age, you are not eligible to apply for the loan.
You can use the ₹15,000 Personal Loan for any financial use, including paying off debts. The loan has no restriction on the end usage of the funds.
There is no implication on the loan after you lose your job. However, you should ensure that the EMI is repaid on time to avoid late payment charges, added interest outgo and a reduction in the credit score.
As a student, if you fulfil the prescribed eligibility parameters and have a steady source of income, you can apply for a ₹15,000 Personal Loan. However, if you don’t have a source of income, you will not be eligible for the loan.
The ₹15,000 Personal Loan is an unsecured loan which does not require any collateral. So, you can get the loan without collaterals.
Aditya Birla Capital offers online EMI calculators to calculate the expected EMI of the ₹15,000 Personal Loan. Just enter the loan amount, the repayment tenure and the applicable interest rate and you can find the EMIs instantly.
Some of the advantages of a ₹15,000 Personal Loan are as follows -
• You can get collateral-free loans
• You can fulfil any financial requirement without restriction
• The loan offers flexible repayment tenures
• You can get the funds within a short period of time
After the first 12 months, you are allowed to foreclose on the loan if you have surplus funds. However, a foreclosure charge will apply, which you should check when foreclosing the loan.
Aditya Birla Capital does not specify a minimum salary to apply for the Personal Loan of ₹15,000. You should have a steady source of income to qualify for the loan.
Yes, self-employed individuals can get a ₹15,000 Personal Loan if they fulfil the eligibility criteria.
To qualify for a ₹15,000 Personal Loan from Aditya Birla Capital, you need a credit score of 750 and above.
You can get a loan if you get your salary in cash. However, in such cases, you should submit income proof, such as Form 16, a Salary Slip, and your bank statement, to establish your income.
The EMI will depend on the loan interest rate and your repayment tenure. The Aditya Birla Capital website and mobile application have an EMI calculator. You can use it to find the EMI after entering the interest rate and the chosen tenure.
Aditya Birla Capital offers a flexible repayment tenure of up to 84 months for the ₹15,000 Personal Loan.