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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.
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Loan for Teachers
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
How to Get a Personal Loan for Teachers
As a teacher, you dedicate your life to educating others—but what about your own financial needs? Whether you're looking to fund a higher education course, renovate your home, or cover unexpected expenses, a personal loan for teachers can provide the financial flexibility you need. At Aditya Birla Capital, we offer personal loan solutions designed to meet the needs of educators. With minimal paperwork, competitive interest rates, and a fast approval process, getting a loan for teachers has never been easier.
Features of a Personal Loan for Teachers
Quick Application Process
Applying for a personal loan for teachers is easy and can be done online within a few minutes.
Fast Disbursal
The loan amount is credited to your bank account within 24 to 48 hours after approval.
No Collateral Required
You don’t need to pledge any assets. A loan for teachers is unsecured, meaning you get financial support without risking your property.
Flexible Repayment Plans
Choose a repayment tenure that fits your financial situation, ranging from 12 to 60 months.
Fixed Interest Rates
Enjoy affordable and fixed interest rates that help keep plan your EMIs without any hassle.
Facility to Add a Co-Applicant
You can add a co-applicant, such as your spouse, to improve your chances of getting a higher loan amount.
Reasons To Get a Loan for Teachers from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure the loan. 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.
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 application.
Facility to add a co-applicant
Adding a co-applicant to the Personal Loan for Teachers can increase your eligibility. You can also get a higher loan amount to meet different needs.
Our Offerings
Different individuals have different needs. That’s why we offer different types of personal loans for teachers. Here’s what you can get -
Get a collateral-free loan for every type of financial need that you have. Enjoy a flexible repayment tenure to get affordable EMIs.
Get a flexible repayment solution with interest payable only on the amount that you utilise. Save on the interest outgo and get quick funds.
Interest Rates Available for
Loans for Teachers
Find out the interest payable on the Loan for Teachers 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 Loan for Teachers?
Find out if you are eligible to apply for a Loan for Teachers
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for a Short-term Personal Loan
Visit the Aditya Birla Capital Website or App
Start by visiting our official website or downloading the Aditya Birla Capital app.
Check Your Eligibility
Use the online loan calculator to check if you qualify for a loan for teachers and estimate your EMI.
Fill Out the Application
Provide your personal details, employment information, and loan requirements.
Upload the Necessary Documents
Submit scanned copies of your identity proof, income proof, and bank statements for verification.
Loan Processing and Approval
Once verified, your loan for teachers application will be reviewed and approved if all criteria are met.
Receive Your Loan Amount
After approval, the funds will be disbursed to your bank account within 24 to 48 hours.
Eligibility Criteria for Loans for Teachers
Are you eligible for a Personal Loan for Teachers? 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 Loans for Teachers
| 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
FAQs on Loans for Teachers
Your application can get rejected for any of the following reasons -
• You did not meet the eligibility criteria
• The documentation was incomplete
• The application was incorrectly submitted
• Your credit score was low
You can use the online eligibility calculator offered by Aditya Birla Capital and check your eligibility for personal loans for teachers. The calculator would also calculate the maximum loan amount that you can get.
Teachers' loans are available to individuals who fulfil the specified eligibility parameters. The loan amount and repayment tenure are minimum and maximum.
There are no specific loan options. Part-time teachers can get a personal loan if they qualify on the lender’s eligibility parameters. Retired teachers can also qualify for the loan if they have another source of steady income and they meet the other eligibility parameters.
Yes, personal loans can be used to cover classroom supplies or educational expenses for teachers. There’s no restriction on the usage of the loan amount and it can be used for any need.
Aditya Birla Capital offers unsecured loans for teachers which does not require any collateral.
No, there are no restrictions on how teachers can use the amount obtained through a personal loan. They can use the amount to fund their personal or professional needs.
Loans for teachers can be used for any personal or professional financial need like -
• Going on a trip
• Home renovation
• Establishing an educational centre
• Emergencies, etc.
Aditya Birla Capital processes and sanctions personal loans for teachers at the earliest so that you can get the funds quickly.
If your documentation and application are in order, you can get personal loans for teachers approved quickly.
ABC Of Personal Loan
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.