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Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Loan for SalariedLoan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
Loan for Self-EmployedLoan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
Are you eligible for a Personal Loan? Find out now!
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Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
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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
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Read About LoansMoney management made easy
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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
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Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
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How to Get a Personal Loan for ₹5 Lakh
Need a loan for ₹5 lakh to manage an urgent expense? A personal loan gives you instant access to funds without the need for collateral. Whether it is arranging funds for a wedding or covering your medical bills, Aditya Birla Capital’s seamless online application process can help you secure a loan for ₹5 lakh within a day or two.
Here’s everything you need to know to get started.
Our Personal Finance Products
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.
Features of a Personal Loan for ₹5 Lakh
Instant Approval Process
Applying online for a loan for ₹5 lakh takes just a few minutes, with instant eligibility checks.
Swift Fund Transfer
Once approved, the loan amount is transferred directly to your bank account within 24 to 48 hours.
No Need for Collatera
This is an unsecured loan, meaning you don’t have to pledge any assets.
Tailored Repayment Plans
Choose a repayment term as per your financial needs, ranging from 12 to 60 months.
Competitive Interest Rates
Enjoy affordable EMIs with attractive interest rates based on your creditworthiness.
Transparent Loan Terms
With Aditya Birla Capital, there are no hidden fees—just a simple and transparent process.
Eligibility Criteria for ₹5 Lakh Loan
Eligibility Criteria for a Personal Loan Worth ₹5 Lakh
- Age Requirement Applicants must be between 21 and 60 years old.
- Employment Type Both salaried professionals and self-employed individuals can apply.
- Income Stability A steady and verifiable income is required to be eligible for a loan of ₹5 lakh.
- Credit Score Consideration A credit score of 700 or above increases your chances of approval and may help you secure a lower interest rate.
- Work Experience Criteria Salaried individuals should have at least 1 year of total work experience, with a minimum of 6 months in their current job.
Documents Required for a ₹5 Lakh Personal Loan Personal Loan
- Identity Proof Aadhaar Card, PAN Card, Passport, or Voter ID.
- Residential Proof Utility bills, rental agreements, or Passport.
- Income Verification Latest salary slips (for salaried applicants) or Income Tax Returns (for self-employed applicants).
- Bank Transaction History Bank statements from the last 6 months to assess income and repayment capability.
- Recent Photographs Passport-sized photographs required for verification.
How to Apply for a ₹5 Lakh Personal Loan Online?
Visit the ABCD website
Go to the official website or download the Aditya Birla Capital app to begin your loan application.
Check Your Loan Eligibility
Use the online loan calculator to check how much you qualify for and estimate your EMIs.
Submit Your Loan Application
Fill out the online form with your personal details, employment information, and loan requirements.
Upload the Necessary Documents
Scan and submit identity proof, income proof, and bank statements for verification.
Loan Processing and Approval
After verification, your loan for ₹5 lakh application will be reviewed and approved if you meet all criteria.
Receive Your Funds
Upon approval, the loan amount will be credited to your bank account within 24 to 48 hours.
Fees and Charges for Personal Loans of ₹5 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. |
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.