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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 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
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- Corporate Social Responsibility
- Fair Practices Code
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- Familiarization Programme for Independent Directors
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Financial and Debt-Related Policies
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- Interest Rates & Service Charges
- Discontinued Service provider list
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- Archival Policy
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Health Insurance
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Personal Loan of ₹25 Lakhs
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Reasons To Get a Personal Loan of ₹25 Lakhs from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹25 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 ₹25 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 ₹25 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 ₹25 Lakhs
Find out the interest payable on the Personal Loan of ₹25 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 |
Get A Personal Loan of ₹25 Lakhs In 5 Easy Steps
Who Can Apply For a Personal Loan of ₹25 Lakhs?
Find out if you are eligible to apply for a ₹25 Lakhs Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Eligibility Criteria for Personal Loans of ₹25 Lakhs
Are you eligible for a ₹25 Lakhs 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.
Revision of Reference Rates for determining Interest Rates on loans given
ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
Fees and Charges for Personal Loans of ₹25 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. |
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
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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Range of loan options for different needs
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Quick sanctions and disbursals
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Scan the QR code to download our Mobile App
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.
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
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 ₹25 Lakhs
Yes, you can add a co-applicant to your loan application to enhance your eligibility for the Personal Loan of ₹25 Lakhs. Adding a co-applicant might increase your aggregate credit scores allowing you to get a lower interest rate. Moreover, you might qualify for a higher loan amount.
Prepayment is allowed under the ₹25 Lakhs Personal Loan. You can prepay a part of your loan after 6 months from the date of disbursement. A charge might apply on the prepayment depending on the amount that you choose to prepay.
A ₹25 Lakhs Personal Loan can help you fulfil your financial needs without straining your budget or draining your savings. The loan is beneficial because it is -
• Easily available
• Collateral-free
• Affordable
• Multipurpose
So, if you have financial obligations for which you are short on funds, the loan can be a good choice.
A ₹25 Lakhs Personal Loan is an unsecured loan which means that no collateral is required to get the loan sanctioned.
There is no usage restriction on the Personal Loan of ₹25 Lakhs. You might have applied for the loan for your wedding but you can use the funds for taking a vacation or for any other financial need that you might have.
Defaulting on loan repayments have multiple repercussions which are as follows -
• You would incur a late payment fee on delaying EMI payments
• The interest cost would accumulate over teh default period
• Your credit score would be degraded
So, avoid defaults and repay your loan on time.
Yes, you can use a Personal Loan of ₹25 Lakhs for any purpose, including debt consolidation. The loan can help you pay off multiple loans thus saving on the aggregate interest outgo.
You can check your eligibility using the online eligibility calculator offered by Aditya Birla Capital. Just enter a few details and the calculator would calculate whether you are eligible for the loan and how much loan can you get.
To find the EMI, use the online EMI calculator offered by Aditya Birla Capital. The calculator is free to use and it calculates your EMIs instantly, without errors. Just enter the loan amount, interest rate and repayment tenure and find the EMI payable.
Here are some ways to make your loan EMIs more affordable -
• Choose a repayment tenure which gives affordable EMIs
• Negotiate with the lender to get a lower interest rate on the loan
• Have a good credit score for a lower interest rate
Aditya Birla Capital processes the loan quickly and sanctions the funds within hours.
Yes, the ₹25 Lakhs Personal Loan is a collateral-free loan which does not need any security.