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Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
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Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
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Are you eligible for a Personal Loan? Find out now!
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
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Start trading in equities and other securities. Grow your wealth with our Demat account.
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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
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
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- Vigil Mechanism / Whistle Blower Policy
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Financial and Debt-Related Policies
Business and Partnership Policies
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- ABCL List of active CLA Partners
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- Scheme of Amalgamation
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- Discontinued Service provider list
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- Archival Policy
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Health Insurance
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Home Finance
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Digital WillA digital will is a legally valid document created through a secure online platform
Read About LoansMoney management made easy
Read About TaxationUnderstanding direct and indirect taxes
Read About Citizen ServicesKnow how to plan retirement well
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
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
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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.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
Apply for ₹2 Lakh Personal Loan
When you have big expenses to take care of, a ₹2 Lakh Personal Loan from Aditya Birla Capital can step in to bridge the gap. Aditya Birla Capital offers a transparent and stress-free process of applying for the ₹2 lakh loan. You get competitive interest rates starting from 10.99% p.a. and flexible repayment tenures that make the loan affordable. There is no requirement for collateral or a guarantor, which helps you keep your assets secure and apply for the loan for all your big or small financial needs.
Before you take the loan, you can use the personal loan eligibility calculator to check the loan amount you can get. With a 100% digital onboarding process, you can apply on the go and get the loan disbursed quickly. Once your personal loan is approved, the amount is disbursed directly to your bank account helping you meet emergencies, if any. For anyone looking to manage large expenses without financial strain, this ₹2 Lakh Personal Loan offers a dependable, well-rounded solution.
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.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Features and Benefits of ₹2 Lakh Personal Loan
Collateral-free Loan
A personal loan of 2 lakh from Aditya Birla Capital is completely unsecured, so there's no need to pledge any assets. Loan approval is based on your eligibility, making it accessible without the risk of losing your property or valuables.
Flexible Repayment Options
Choose a repayment tenure that suits your monthly budget when you take a ₹2 Lakh personal loan. Flexible 2 lakh personal loan EMI options make it easier to manage repayments comfortably while staying within your financial plan.
Quick Sanction & Disbursal
Get fast sanction and disbursal on your ₹2 Lakh loan, with funds credited directly to your bank account. Aditya Birla Capital's digital process ensures you get access to money exactly when you need it. You can also use the personal loan eligibility calculator to assess your eligibility when applying for the loan. This can also speed up the sanction process.
₹2 Lakh Personal Loan Eligibility and Documents
Eligibility Criteria for a ₹2 Lakh Personal Loan
- Age Minimum 21 years and maximum 60 years at loan maturity.
- Employment Type Salaried individuals or self-employed professionals/non-professionals.
- Credit Score A minimum credit score of 750 is required for favourable loan terms.
- Monthly income should meet the lender’s eligibility criteria.
Documents Required for a ₹2 Lakh Personal Loan
- Identity & Address Proof Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence.
- Income Proof Last 3 months’ salary slips or Form 16 for salaried individuals.
- Bank Statements Last 6 months’ bank statements where salary is credited.
- Other Income Proof For self-employed individuals, Income Tax Return (ITR) filings and business registration documents.
Types of Personal Loan in India
How to Apply for a ₹2 Lakh Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹2 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 ₹2 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 ₹2 lakh 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 ₹2 lakhs.
Receive Funds
Once sanctioned, the ₹2 lakh loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹2 Lakh
| 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.