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Home LoanFind customised home loan solutions for your unique needs
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Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
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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.
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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.
Attractive returns- Liquidity
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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
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
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- Vigil Mechanism / Whistle Blower Policy
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Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
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- ABCL List of active CLA Partners
- List of Third parties
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- ABCL Collection and Recovery Agency List
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- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
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- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
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Digital WillA digital will is a legally valid document created through a secure online platform
Read About LoansMoney management made easy
Read About TaxationUnderstanding direct and indirect taxes
Read About Citizen ServicesKnow how to plan retirement well
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
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
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Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
SSY Calculator Calculate Maturity Amount for your Recurring SSY
Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
Apply for ₹50,000 Personal Loan
A ₹50,000 Personal Loan is a quick and collateral-free way to cover all your expenses, from medical bills to home repairs, education costs, or travel plans. Aditya Birla offers Personal Loans which are easily accessible with minimal documentation and fast approvals.
The personal loan interest rate starts from 10.99%, and Aditya Birla Capital offers flexible repayment tenures so that you can choose pocket-friendly EMIs for easy repayments. Whether you are self-employed or salaried, you can apply and get a personal loan for all your financial needs from Aditya Birla Capital. Use the personal loan eligibility calculator to find the loan amount you qualify for, apply for the loan online and get the funds disbursed directly to your bank account within minutes.
Features and Benefits of ₹50,000 Personal Loan
Collateral-free
Get an instant personal loan of 50000 without pledging any assets or security. This unsecured loan lets you access funds purely based on your creditworthiness and income, making the borrowing process simple and stress-free.
Flexible Repayment Period
Choose a repayment tenure that fits your budget and financial goals. With flexible EMI options ranging from short to long-term, you can repay your ₹50,000 Personal Loan comfortably without straining your monthly finances.
Predictable EMIs
Plan your finances with confidence through fixed, predictable EMIs. Know exactly what you owe each month, making it easier to budget and manage your 50k personal loan without any surprises.
Quick Sanctions
Get the funds transferred to your account within 24 hours of applying for the loan.
₹50,000 Personal Loan Eligibility and Documents
Documents Required for a ₹50,000 Personal Loan
- Identity Proof: Aadhaar Card, PAN Card, Passport
- Address Proof: Voter ID, Utility bill, Driving license.
- Income Proof: Salary slips for the last 3 months
- Bank Statement: Last 3 months for financial verification
For Salaried Individuals
- KYC Documents: PAN Card, Aadhaar Card, Passport
- Business Proof: GST certificate, Business registration proof
- Income Proof: ITR for the last 2 years
- Bank Statement: Last 3 months for financial verification
For Self-Employed Individuals
Eligibility Criteria for a ₹50,000 Personal Loan
- Minimum Age: 21 years
- Maximum Age: 60 years
Age Requirement
- Salaried Individuals: Minimum monthly income of ₹15,000
- Self-Employed: Minimum annual turnover of ₹2 lakh with at least 2 years of business continuity
Income Criteria
- Available for salaried professionals, self-employed individuals, and freelancers.
Employment Type
- A credit score of 700+ increases approval chances and ensures better loan terms.
Credit Score Requirement
How to Apply for a ₹50,000 Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹50,000 personal loan, including age, income, and credit score requirements
Apply Online
Visit Aditya Birla Capital’s website or app and fill out the online application form to apply for an instant personal loan of ₹50,000.
Upload Documents
Submit your KYC, income proof, and other required documents digitally to complete the verification process.
Quick Approval
Get a decision on your instant loan of ₹50,000 within minutes, thanks to a fast and hassle-free approval process.
Loan Sanction
Once approved, review and accept the loan terms, including interest rate, tenure, and EMI details for your personal loan of ₹50,000.
Receive Funds
Once sanctioned, the ₹50,000 loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹50,000
| 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. |
Types of Personal Loan in India
Our Offerings
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get quick personal loans for any emergency. Enjoy a digital application and sanctioning process that delivers funds within minutes.
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Customer Satisfaction Stories
Mr. Hiralkumar Ashokbhai Patel
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
Mr. Pramod Kumar Saini
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
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.