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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
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Experience ConseQuest- A game where your decisions drive your future.
Personal Loan of ₹60,000
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Reasons To Get a Personal Loan of ₹60,000 from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹60,000. 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 ₹60,000 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 ₹60,000 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 ₹60,000
Find out the interest payable on the Personal Loan of ₹60,000 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 ₹60,000?
Find out if you are eligible to apply for a ₹60,000 Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Get A Personal Loan of ₹60,000 In 5 Easy Steps
Eligibility Criteria for Personal Loans of ₹60,000
Are you eligible for a ₹60,000 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 ₹60,000
| 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. |
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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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
FAQs on Personal Loans of ₹60,000
Yes, you can apply for a Personal Loan of ₹60,000 again. However, before doing so, ensure you fulfil the eligibility criteria and have the required documents for the application to get approved.
You need a high credit score to get lower interest rates. You can negotiate the rates with the lender and get lower rates.
Some of the benefits of a Personal Loan of ₹60,000 are as follows -
• It is issued quickly
• It is available online
• It is multipurpose
• It is collateral-free
• It is affordable with a flexible repayment tenure
Unemployed individuals without any source of income cannot apply for Personal Loans.
Some factors to consider when applying for a Personal Loan of ₹60,000 are as follows -
• Check the EMI. Ensure it is affordable
• Compare and get the lowest interest rates for affordable repayments
• Choose a tenure which gives affordable EMIs
To improve your chances of loan approval, here are some tips -
• Improve your credit score
• Add a co-applicant to increase your loan eligibility
• Check your eligibility before applying for the loan
Yes, you can use a ₹60,000 Personal Loan to finance a small business. The loan is multipurpose and does not restrict the usage of the funds.
To apply offline, visit the nearest Aditya Birla Capital branch. Fill out the application form manually and submit physical copies of your documents.
Yes, you can apply for a Personal Loan on behalf of your wife. However, you will be the borrower on the loan application and be responsible for loan repayment.
The maximum age to apply for the loan is 60 years. Since you are 59 years old, you can apply for the loan.
The EMI for a ₹60,000 loan depends on the repayment tenure chosen and the interest rate charged. Use the online EMI calculator to find the prospective EMI of the loan.
You need a credit score of 750+ for a ₹60,000 Personal Loan.
The ₹60,000 Personal Loan is an unsecured loan which does not need collateral security. So, you can get the loan without any collateral.
If you default on the ₹60,000 Personal Loan, your credit score will be degraded. You will also incur a late payment fee for delayed EMI payments and higher interest expenses on the outstanding debt.