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Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
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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 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 Lakh CrCorporate Governance Policies
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Personal Loan of ₹50,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
What is a Personal Loan of ₹50,000?
A personal loan of ₹50,000 is an unsecured loan that helps individuals meet their immediate financial needs without requiring collateral. Whether it's for medical emergencies, home repairs, education, or a short-term cash crunch, this loan offers quick access to funds with minimal documentation. With flexible repayment tenures and competitive interest rates, a ₹50,000 personal loan is an ideal solution for salaried and self-employed individuals. Borrowers can choose repayment options that suit their financial capabilities, ensuring a hassle-free borrowing experience.
Features of a Personal Loan of ₹50,000
Quick Loan Disbursal
Get the loan amount credited to your account within 24 to 48 hours after approval.
Minimal Documentation
Submit basic documents such as identity proof, address proof, and income proof for hassle-free processing.
Flexible Repayment Tenure
Choose a repayment period ranging from 6 months to 5 years, based on your convenience.
No Collateral Required
Being an unsecured loan, there is no need to pledge any assets.
Affordable Interest Rates
Competitive rates ensure manageable EMIs.
Online Application
Apply from the comfort of your home with a completely digital process.
Reasons To Get a Personal Loan of ₹50,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹50,000. 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 ₹50,000 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 ₹50,000 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 ₹50,000
Find out the interest payable on the Personal Loan of ₹50,000 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 ₹50,000?
Find out if you are eligible to apply for a ₹50,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹50,000 In 5 Easy Steps
Eligibility Criteria for Personal Loans of ₹50,000
Are you eligible for a ₹50,000 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 ₹50,000
| 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
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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.
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Range of loan options for different needs
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Quick sanctions and disbursals
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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 ₹50,000
Yes, you can apply for a ₹50,000 Personal Loan if you have existing loans or debts. However, the existing debts might reduce your maximum loan amount. So, use the loan eligibility calculator and determine the maximum amount you are eligible for.
Yes, you can apply for a ₹50,000 Personal Loan with a co-applicant. When you add a co-applicant, your overall loan eligibility increases, and you might get a lower interest rate on the loan.
Yes, you can negotiate the terms and conditions of the ₹50,000 Personal Loan with your lender. You can negotiate a competitive interest rate and a favourable repayment tenure.
You can decrease the EMI of the ₹50,000 Personal Loan by increasing the repayment tenure. Plus, if you have a good credit score, you can get a lower interest rate on the loan, reducing the EMI.
The maximum age to apply for a ₹50,000 Personal Loan is 60. Thus, a senior citizen of 65 cannot apply for the loan.