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About Us

Aditya 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 Billion

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Personal Loan of ₹4 Lakhs

Choose Aditya Birla Capital’s Personal Loan of ₹4 Lakhs and fulfil all your financial obligations. Get quick sanctions and a loan without collateral.

Attractive interest rates
Easy & flexible repayment options
Easy application process with quick sanctions

Step 1

Step 2

Step 3

Finish

165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

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

Get A Personal Loan of ₹4 Lakhs In 5 Easy Steps

STEP

Determine your financial needs

STEP

Check loan eligibility

STEP

Calculate monthly installment

STEP

Submit the relevant documents

STEP

Apply for a loan

STEP

Submit the relevant documents

STEP

Apply for a loan

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

Disclaimer - All loans will be at the sole discretion of ABFL.

Eligibility criteria

Nationality

Minimum age

Maximum age

Credit Score

Employment

Indian citizen

21 years

60 years*

750+

Salaried

* A higher age limit is applicable at the time of loan maturity.

Note - This is an indicative list that may change based on your actual loan application.

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

VIEW ALL CALCULATORS

PERSONAL LOAN AMOUNT

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

I CAN PAY EMI OF

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

Interest

Payout

Your estimated EMI amount

₹ 0

Total Interest

₹ 0

Total Payout

₹ 0

Salaried
Self Employed

CURRENT AGE

MONTHLY INCOME

YOUR CURRENT MONTHLY OBLIGATIONS

You are eligible for a loan of

₹ 0*

For a tenure of0 years

EMI @ 9% Interest Rate

₹ 0*

BALANCE TRANSFER LOAN

Transfer your existing loan to us for lower interest rates

Reduced Interest Rates.
Lower Monthly Payments.

Get a Call Back Know More

TOP UP LOAN

Secure additional funds at exceptional interest rates

Easy application process
Borrow up to 80% of property value

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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.

Range of loan options for different needs
Quick sanctions and disbursals

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Our Personal Finance Products Find a wide range of solutions for all your financing needs.

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Loan for Utility LOAN FOR IPHONE LOAN FOR LAPTOP LOAN FOR TV

Loans by Profession LOAN FOR SALARIED LOAN FOR SELF EMPLOYED LOAN FOR GOVERNMENT EMPLOYEES LOAN FOR DOCTORS LOAN FOR TEACHERS LOAN FOR CA LOAN FOR ENGINEERS

Loans by Needs MEDICAL EMERGENCY LOAN WEDDING LOAN VACATION LOAN HOME RENOVATION LOAN FOR EDUCATION DEBT CONSOLIDATION LOAN LOAN FOR EMERGENCY LOAN FOR SHOPPING LOAN FOR WOMEN

Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Capital Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Housing Capital Customer

Hyderabad, India

Mr. Pramod Kumar Saini

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.

Mr. Vikram Balu Gavali

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.