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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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What is a Travel Loan?
A travel loan is a specialised personal loan designed to help individuals finance their dream vacations without financial stress. Whether you're planning a luxurious international trip, a domestic getaway, or a spiritual journey, a travel loan offers quick and easy access to funds. With minimal documentation, instant approvals, and flexible repayment tenure, this personal loan ensures that you don’t have to compromise on your travel experience. It covers expenses like flight tickets, hotel stays, shopping, and local transportation. Travel loans come with attractive interest rates, making them an affordable option for travel enthusiasts. Enjoy seamless application processes and hassle-free disbursals, so you can focus on making memories rather than worrying about expenses.
Features of Travel Loans
Instant Loan Approval
Get quick approval for your travel loan with minimal paperwork.
Flexible Repayment Options
Choose a repayment tenure that best fits your financial plans.
No Collateral Required
Enjoy unsecured financing without pledging any assets.
Covers All Travel Expenses
Use the loan for flights, hotels, transport, shopping, and more.
Competitive Interest Rates
Benefit from attractive interest rates to make your trip affordable.
Easy Online Application
Apply at your convenience through a paperless process.
Reasons To Get a Travel Loan from ABC
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
Add a co-applicant to the Vacation Loan and increase your eligibility. Get a higher loan amount and travel domestically or internationally as you wish.
Interest Rates Available for
Travel Loan
Find out the interest payable on the Travel loan 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 Travel Loan?
Find out if you are eligible for applying for a travel loan
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for a Travel Loan
Eligibility Criteria for Travel Loan
Are you eligible for a vacation 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 Travel Loan
| 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.
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
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 Travel Loan
A vacation loan allows you to travel to any destination of your choice. The loan does not impose any restrictions.
The loan amount would depend on your eligibility parameters. You can use the eligibility calculator available online to find the maximum loan amount that you can get for taking a vacation.
Yes, prepayment of the Travel Loan is allowed. However, you can prepay only after the first six months of availing of the loan and only once in the first year. Foreclosure is also allowed under Travel Loan after 12 months from the date of disbursal of the loan. There is a prepayment and foreclosure charge that you should know about.
The maximum tenure of a Personal Travel Loan is 84 months.
Aditya Birla Capital processes the loan and approves it within a short period of time. You can get the funds quickly if your application and documentation are in order.
Yes, you can apply for a Travel loan with existing debts or loans. However, the maximum loan amount you can get would be reduced in such cases.
Aditya Birla Capital offers a personal loan for a Travel to both salaried and self-employed individuals. So, you can get a Travel loan even if you are self-employed.
A travel loan is a personal loan that offers funds to book a trip and pay for the associated costs. It is an unsecured loan that is available easily and quickly and can be used to meet the various financial costs of the trip.
Yes, you can get a loan to travel to an international destination.
Some of the benefits of a Travel loan are as follows -
• They do not require any collateral
• You can travel to any destination without worrying about the travel costs
• They allow affordable and flexible repayment tenures
• They are easily available
• They are multipurpose loans which allow you to meet different financial requirements
Aditya Birla Capital sanctions the travel loan within a short period of time. Once your application and documentation are successfully processed the funds are sanctioned and transferred to your bank account.
You can repay the travel loan in Equated Monthly Instalments (EMIs) over a repayment tenure going up to 84 months.