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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. Through its subsidiaries/JVs, ABCL provides a comprehensive suite of financial solutions across Loans, Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,482
No. of Employees
59,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 3,550 Billion
Active Customer Base
39 Million
Consolidated Lending Book
INR 699 BillionCorporate 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
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- Ombudsman
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- Vigil Mechanism / Whistle Blower Policy
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Financial and Debt-Related Policies
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- Press Releases
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- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
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- Archival Policy
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Account StatementHealthy living made easy with ABCD’s Digital Health Evaluation
Financial ReportsBring your assets and liabilities under one platform
FormsManage your money effectively with Spend Track.
BrochuresManage your money effectively with Spend Track.
Grievance FormManage your money effectively with Spend Track.
Risk Factors & FAQsCheck your credit score and get tips on how to improve it
Account StatementHealthy living made easy with ABCD’s Digital Health Evaluation
Financial ReportsBring your assets and liabilities under one platform
FormsManage your money effectively with Spend Track.
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Grievance FormManage your money effectively with Spend Track.
Personal Loan of ₹4 Lakhs
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Apply for ₹4 Lakh Personal Loan Online
When you have substantial financial needs, a ₹4 lakh loan can help you achieve your goals. Whether it’s funding a large purchase, paying off debts, or managing a medical emergency, Aditya Birla Capital provides a quick and easy way to access a ₹4 lakh loan online. With minimal documentation, swift approval, and flexible repayment options, you can secure the financial support you need without hassle. Here’s everything you need to know about applying for a ₹4 lakh loan online.
Features of ₹4 Lakh Personal Loan
Instant Approval
Apply online and get approval for your ₹4 lakh loan in minutes. The online process is quick and hassle-free.
Quick Disbursal
Once approved, the loan amount will be credited directly to your account within 24-48 hours, so you can access the funds without delay.
Minimal Documentation
The application process requires only essential documents, making it easy to apply and get the loan approved.
Choose Repayment Tenure
Choose an EMI plan that suits your financial needs, ensuring that repayments are manageable and convenient.
Competitive Interest Rates
We offer attractive interest rates on your ₹4 lakh loan, making it affordable and easy to repay.
Collateral-free Loan
A ₹4 lakh loan is unsecured, which means you don’t have to pledge any assets or property to get the loan.
Transparent Process
There are no hidden fees or charges. The entire process is transparent, and you can be assured of no surprises.
Reasons To Get a Personal Loan of ₹4 Lakhs from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹4 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 ₹4 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 ₹4 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 ₹4 Lakhs
Find out the interest payable on the Personal Loan of ₹4 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 |
Who Can Apply For a Personal Loan of ₹4 Lakhs?
Find out if you are eligible to apply for a ₹4 Lakhs Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for ₹4 Lakh Personal Loan Online
Visit the Aditya Birla Capital Website or App
Start by visiting the official Aditya Birla Capital website or downloading the app.
Check Your Eligibility
Use our online eligibility calculator to determine whether you qualify for the loan.
Complete the Online Application Form
Fill in the online form with your personal, employment, and income details.
Upload the Required Documents
Submit scanned copies of your identity proof, address proof, income proof, and other necessary documents.
Loan Verification & Approval
We will quickly verify your application and approve the loan.
Instant Disbursal
Once approved, the loan for engineers will be credited to your bank account within 24-48 hours.
Eligibility Criteria for Personal Loans of ₹4 Lakhs
Are you eligible for a ₹4 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.
Fees and Charges for Personal Loans of ₹4 Lakhs
| Charge Type | Amount |
|---|---|
| Processing fees | Up to 4% of the loan sanctioned amount |
| Cheque Return charges | ₹1000 + GST per instance |
| Penal charges (charges levied for non-payment of overdue amount) | 3% p.m. (36% p.a.) on the overdue amount for the delayed period |
| Penal charges for non-compliance with material terms and conditions (covenants / stipulated conditions) mentioned in the Sanction Letter / Loan Agreement, wherever applicable | 2% p.a. on the outstanding loan amount till the date of compliance |
| Charges for cancellation of Loan |
4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | Rs. 50 per instance for Consumer and Rs. 500 per instance for commercial CIBIL/Credit Report |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan re – schedule 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 |
| Duplicate No Due Certificate issuance charges | Rs. 500 per instance |
| Foreclosure Charges |
For Term Loan:
Upto 4% of the principal outstanding amount For Flexi Loan: Upto 4% of the total withdrawable amount Conditions: Foreclosure is allowed only after 12 months from the date of disbursal of loan. |
| Part Pre-payment charges |
For Term Loan:
a) NIL charges – if part pre-payment is equal to 20% of principal outstanding amount b) Upto 4% on remaining loan amount – if part pre-payment is greater than 20% of principal outstanding amount Conditions: a) No pre-payment is allowed in first 12 months from the date of disbursement b) Part pre-payment amount should be equal to OR greater than total of 3 EMIs For Flexi Loan: a) No charges for payments through mobile app/portal. b) Part pre-payment of loan facility toward limit reduction is not available |
ABC Of Calculators
Interest
Payout
Your estimated EMI amount
₹ 0Total Interest
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₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
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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.
Aditya Birla Capital Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Capital Customer
Hyderabad, India
Aditya Birla Capital 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 ₹4 Lakhs
The interest rate depends on your credit score and other eligibility parameters. If you opt for a shorter tenure, the interest outgo will be lower, but the rate will remain the same.
You can use a co-signor to increase your chances of approval for a Personal Loan of ₹4 Lakhs.
Even with existing credit card debts and loans, you can get a Personal Loan approved. However, the loan amount might be affected, and you might get a lower amount.
Yes, you can consolidate multiple Personal Loans. In fact, consolidating your loans would help in reducing the interest outgo and make managing your debts easier.
You cannot get a ₹4 Lakhs Personal Loan without documents. Documentation is an important step in loan sanction.