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About Us

Aditya 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 Cr

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Loans

Investments

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Loans

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Health Insurance

Housing Finance

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SME Finance

Stock & Securities

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

All You Need To Know About Insurance Policy

Home Loan

Find customised home loan solutions for your unique needs

Balance Transfer

Find a better interest rate for your existing home loan

Top up Home Loan

Get a loan on your existing home loan to meet your needs

Loan Against Property

Turn your assets into a financial ally

Credit Track

Discover your financial fitness - check your credit score

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Home Loan EMI Calculator

Get an estimate of your Home Loan EMI now

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Mortgage Calculator

Calculate your Loan amount for your Current property

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Home Loan Eligibility Calculator

Are you eligible for a Home Loan? Find out now!

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Features & Benefits of
Personal Loan

No Collateral Needed

Get a loan without requiring any collateral or security and with minimal documentation.

Predictable Monthly Payments

Enjoy fixed interest rates and predictable monthly payments that help you plan your budget and finances accordingly.

Quick Disbursal

Get the loan amount quickly, usually within 24 hours of approval, making it ideal for emergencies.

Flexible Repayment Tenure

Enjoy flexible repayment tenure options, ranging up to 7 years, allowing you to choose a repayment plan that suits your financial situation and needs.

Increase Eligibility

Combine your income with that of a co-applicant to increase your eligibility and secure a higher loan amount.

Apply For Personal Loan Online In 5 Easy Steps

STEP

Determine your needs

STEP

Check loan eligibility

STEP

Calculate monthly installment

STEP

Submit the documents

STEP

Apply for a loan

Features of Our Personal Loan

Explore the benefits of our Personal Loan

Long Term Personal Loan

Attractive interest rates, flexible terms, and a seamless application process. Your path to achieving your financial goals begins here.

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Flexi Loan

Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.

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Quick and easy Personal loans for all your goals

Electricity Bill Payment

Eligibility Criteria for Personal Loan

Before opting for a Personal Loan, ensure you qualify by checking your eligibility here.

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 incomeLast 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16

Disclaimer - All loans will be at the sole discretion of Our Digital Lending Partners.

Eligibility Criteria

Nationality

Age

CIBIL Score

Employment

Indian citizen

21 years to 60 years*

750 or higher

Salaried

* Higher age limit is applicable at the time of loan maturity.

Note - This is an indicative list that may change based on your actual loan application.

Personal Loan Fees and Charges

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

VIEW ALL CALCULATORS

PERSONAL LOAN AMOUNT

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

I CAN PAY EMI OF

Tenure (1 to 30 Years)

Rate of Interest (7 to 11%)

Your estimated EMI amount

₹ 0

Total Interest

₹ 0

Total Payout

₹ 0

Salaried
Self Employed

CURRENT AGE

MONTHLY INCOME

YOUR CURRENT MONTHLY OBLIGATIONS

You are eligible for a loan of

₹ 0*

For a tenure of0 years

EMI @ 9% Interest Rate

₹ 0*

Our Personal Finance Products Find a wide range of solutions for all your financing needs.

Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN

Loans by Amount PERSONAL LOAN OF RS.50000 PERSONAL LOAN OF RS. 60000 PERSONAL LOAN OF RS. 1 LAKH PERSONAL LOAN OF RS. 2 LAKH PERSONAL LOAN OF RS. 3 LAKH PERSONAL LOAN OF RS. 4 LAKH PERSONAL LOAN OF RS. 5 LAKH PERSONAL LOAN OF RS. 10 LAKH PERSONAL LOAN OF RS. 15 LAKH PERSONAL LOAN OF RS. 20 LAKH PERSONAL LOAN OF RS. 25 LAKH

Loan for Utility LOAN FOR IPHONE LOAN FOR LAPTOP LOAN FOR TV

Loans by Profession LOAN FOR SALARIED LOAN FOR SELF EMPLOYED LOAN FOR GOVERNMENT EMPLOYEES LOAN FOR DOCTORS LOAN FOR TEACHERS LOAN FOR CA LOAN FOR ENGINEERS

Loans by Needs MEDICAL EMERGENCY LOAN WEDDING LOAN TRAVEL LOAN HOME RENOVATION DEBT CONSOLIDATION LOAN LOAN FOR EMERGENCY LOAN FOR SHOPPING LOAN FOR WOMEN

Customer Satisfaction Stories

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Mrs. Snehal Rajpure

Aditya Birla Finance Customer

Different financial needs, different loans,

For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.

Range of loan options for different needs
Quick sanctions and disbursals

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Loan Against Property

Pledge property, access funds

High LTV ratio for loans
Low interest rates, easy repayments

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Balance Transfer

Lower rates, affordable repay

Reduced Interest Rates
Lower Monthly Payments

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FAQs on Personal Loan

A personal loan is a credit option that allows you to meet financial obligations without providing security or collateral. It comes without an end-use restriction thus it can be used for a variety of purposes making it easy to manage.

A personal loan is versatile and can cover various expenses like home renovations, marriage, vacations, debt consolidation, medical bills, business investments, car repairs, etc.

To qualify for a personal loan, you need a consistent income, whether you're a salaried employee, self-employed, or a professional. Your eligibility depends on factors like employer, credit history, residential location, and other criteria as per the eligibility criteria mentioned.

Yes! The minimum personal amount that you can borrow is about Rs 50,000.

Yes! You can apply for a Personal Loan individually or jointly with a family member, such as your spouse or parents. Applying with a co-borrower, especially with a higher income, increases the potential for a larger Loan amount. However, if the co-applicant has a poor credit history, it could negatively impact the Loan application's success.