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Need a quick financial boost? Whether it’s for an emergency expense, purchasing something important, or simply managing cash flow, a ₹5000 personal loan can be a convenient option. With a simple online application process, you can access the funds you need in no time. At Aditya Birla Capital, we ensure that getting a personal loan is easy and hassle-free. Here's everything you need to know about securing a ₹5000 personal loan online.
There is no need to pledge any asset to secure a Personal Loan of ₹5000. The funds are sanctioned based on your eligibility parameters—that’s all!
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹5000 Personal Loan pocket-friendly.
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Get the funds transferred to your account within 24 hours of applying for the loan.
Adding a co-applicant to the ₹5000 Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Find out the interest payable on the Personal Loan of ₹5000 to plan your repayments effectively.
Find out if you are eligible to apply for a ₹5000 Personal Loan
Start by visiting the official Aditya Birla Capital website or downloading the app. You can access all the loan services we offer.
Use our online eligibility calculator to check whether you meet the requirements for a ₹5000 personal loan.
Complete the application form with your personal details, employment information, and income data.
Upload scanned copies of the required documents, such as your identity proof, address proof, income proof, and photographs.
Once your documents are verified, your personal loan application will be processed, and approval will be granted if all criteria are met.
After approval, the loan amount will be disbursed to your bank account within 24 to 48 hours.
Are you eligible for a ₹5000 Personal Loan? Check whether you meet the criteria.
* A higher age limit is applicable at the time of loan maturity.
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 |
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₹ 0*EMI @ 9% Interest Rate
₹ 0*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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Hear from our happy customers what they have to say about their experience with us.
Yes, you can get a Personal Loan of ₹5000 if you fulfil the eligibility parameters such as minimum age requirement, credit score, etc. You can use the online eligibility calculator to check if you are eligible for a Personal Loan of ₹5000.
The interest rate for a ₹5000 Personal Loan depends on your eligibility parameters and credit score. It might be high if your score is low or if your eligibility parameters are unfavourable.
Yes, you can add a top-up later if you need more than ₹5000. However, the approval for the top-up will depend on your eligibility parameters and the lender’s lending practices.
Documents are an important part of getting a Personal Loan of ₹5000. They help establish your identity and eligibility. So, you cannot get a loan without documents. The basic documents are a must.
Yes, you can get the ₹5000 Personal Loan instantly online. With Aditya Birla Capital, the Personal Loan is processed and sanctioned quickly.