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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 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
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Personal Loan of ₹5000
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.
Features of a ₹5000 Personal Loan
Fast Online Approval
By applying online, you can get approval for your loan for laptop in just a few minutes.
Quick Transfer of Funds
Once your loan is approved, the money will be disbursed to your account within 24 to 48 hours.
No Collateral Needed
This loan is unsecured, meaning there’s no need to pledge any personal assets as collateral.
Simple Application Process
The application process is designed to be as quick as possible with minimal documentation required.
Flexible EMI Plans
Choose an EMI plan that suits your budget, giving you full control over your repayment schedule.
Competitive Interest Rates
We offer attractive interest rates to ensure that your loan for laptop is affordable and easy to repay.
Transparent Process
With no hidden fees or surprise charges, the process is transparent from start to finish.
Reasons To Get a Personal Loan of ₹5000 from Aditya Birla Capital
Collateral-free
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!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹5000 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 ₹5000 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 ₹5000
Find out the interest payable on the Personal Loan of ₹5000 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 ₹5000?
Find out if you are eligible to apply for a ₹5000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for a ₹5000 Personal Loan Online
Visit the Aditya Birla Capital Website or App
Start by visiting the official Aditya Birla Capital website or downloading the app. You can access all the loan services we offer.
Check Your Eligibility
Use our online eligibility calculator to check whether you meet the requirements for a ₹5000 personal loan.
Fill Out the Online Application Form
Complete the application form with your personal details, employment information, and income data.
Upload the Required Documents
Upload scanned copies of the required documents, such as your identity proof, address proof, income proof, and photographs.
Verification and Approval
Once your documents are verified, your personal loan application will be processed, and approval will be granted if all criteria are met.
Funds Disbursal
After approval, the loan amount will be disbursed to your bank account within 24 to 48 hours.
Eligibility Criteria for Personal Loans of ₹5000
Are you eligible for a ₹5000 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 ₹5000
| 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
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.
FAQs on Personal Loans of ₹5000
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.
The maximum tenure of a ₹5000 Personal Loan is 84 months.
If you default on ₹5000 Personal Loan, you might incur a late payment fee. Moreover, the interest cost would also increase. Further, defaulting would also negatively impact your credit score.
Yes, you can use ₹5000 Personal Loans for any purpose. Aditya Birla Capital Personal Loans are multipurpose loans that can be used to cover any and every type of expense.
You can apply for ₹5000 Personal Loans online on Aditya Birla Capital's website or mobile app or offline by visiting the nearest branch.
Taking a ₹5000 Personal Loan depends on your financial situation and the purpose for which you need the loan. You can take the loan if you need funds for your obligations.
Aditya Birla Capital offers unsecured Personal Loans of ₹5000. You are not required to submit any collateral security to apply for the loan.
To apply for Aditya Birla Capital’s Personal Loans of ₹5000, you need a credit score of 750+.
The key factors affecting the ₹5000 Personal Loan EMI are as follows -
• Interest rates - Higher rates mean higher EMIs and vice-versa
• Repayment tenure - Longer tenures reduce the EMIs
The EMI of a ₹5000 Personal Loan depends on the repayment tenure you choose and the interest rate charged. The higher the interest rate, the higher would be the EMI. Also, longer repayment tenures reduce the EMI. You can use the online EMI calculator to find the monthly payment on the ₹5000 Personal Loan instantly.