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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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2,00,000+
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INR 5.53 Lakh Cr
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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹30,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
₹30,000 Personal Loan
A ₹30,000 personal loan is a convenient financial solution designed to cover urgent expenses such as medical bills, education fees, home repairs, or travel costs. This small-ticket loan offers instant approval, minimal documentation, and flexible repayment options, ensuring quick access to funds without the need for collateral. Whether you’re managing an emergency, handling everyday expenses, or planning a special occasion, this loan provides a simple and hassle-free way to meet short-term financial needs.
Features of a ₹30,000 Personal Loan
Instant Approval
Get a loan decision within minutes for fast access to funds.
Minimal Documentation
Only basic KYC documents are required for quick processing.
No Collateral Required
This is an unsecured loan, so no security or guarantor is needed.
Flexible Repayment Options
Choose a repayment tenure that fits your financial situation.
Quick Disbursal
The loan amount is credited directly to your bank account.
Low Interest Rates
Competitive rates are based on your credit score and income profile.
No Hidden Charges
Transparent process with no unexpected fees.
Reasons To Get a Personal Loan of ₹30,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹30,000. 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 ₹30,000 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 ₹30,000 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 ₹30,000
Find out the interest payable on the Personal Loan of ₹30,000 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 ₹30,000?
Find out if you are eligible to apply for a ₹30,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for a ₹30,000 Personal Loan?
Apply Online
Visit the loan provider’s website and fill out the application form.
Upload Document
Submit your KYC, income proof, and bank statements digitally.
Get Instant Approval
Your loan application is reviewed, and approval is granted within minutes.
Receive Funds
Once approved, ₹30,000 is disbursed directly to your bank account.
Eligibility Criteria for Personal Loans of ₹30,000
Are you eligible for a ₹30,000 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 ₹30,000
| 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
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*
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.
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
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 ₹30,000
You can get an instant Personal Loan of ₹30,000 if you fulfil the specified eligibility criteria and submit the required documents.
The minimum credit score for a ₹30,000 Personal Loan is 750. So, if you have a score lower than 750, you cannot apply for the loan as your application will be rejected.
No, income proof is essential to apply for a ₹30,000 Personal Loan. It establishes your source of income and repayment capacity and cannot be avoided.
No, you do not need to provide collateral for a ₹30,000 Personal Loan because the loan is unsecured.
Yes, you can apply for a ₹30,000 Personal Loan even if you have an existing home loan. However, the maximum loan amount you can get will be reduced in such cases.
A suitable lender for a ₹30,000 Personal Loan is one that -
• Offers low interest rates
• Has a simple digital application process
• Sanctions the funds quickly
• Offers flexible repayment options
Aditya Birla Capital offers all these benefits and is a suitable lender for the loan.
No, there are no specific restrictions on using the funds from a ₹30,000 Personal Loan. You can use the funds for any financial need, both personal and commercial.
In the online application process, you fill out an online application form and upload the required documents. The loan application is submitted in real-time and at your convenience. In the offline application process, you must visit the nearest branch and manually fill out the application form. You also have to submit physical copies of your documents to apply.
A co-applicant is an individual who can apply for the loan jointly with you. The co-applicant’s eligibility is added to yours, increasing overall eligibility.
Aditya Birla Capital does not specify any minimum income for the ₹30,000 Personal Loan. You should have a steady source of income to qualify for the loan.
You can take out a loan on your father’s behalf, but you will be responsible for repaying the loan as you will be the primary applicant.
You can get a ₹30,000 Personal Loan if you get your salary in cash. However, in such cases, you must prove your salary income with the necessary documents like the bank statement, Form 16, etc.
The EMI of a ₹30,000 Personal Loan would depend on the interest rate charged and your chosen tenure. You can use the EMI calculator to find the EMI of the ₹30,000 Personal Loan.
Your CIBIL score is an important eligibility criterion to get a ₹30,000 Personal Loan. You need a credit score of 750+ to get the loan.
You cannot avail of a ₹30,000 Personal Loan without documents. You have to submit the required set of documents as specified by Aditya Birla Capital.