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Health Insurance
Housing Finance
Life Insurance
Mutual Funds
Personal Insurance
SME Finance
Stock & Securities
Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
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
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital Demand LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Mattis, Diam Id.
CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
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
INR 1.65 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
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABFL Terminated Collection and Recovery Agency List
- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- 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
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow 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
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
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
Experience ConseQuest- A game where your decisions drive your future.
Start trading in equities and other securities. Grow your wealth with our Demat account.
Terms and Conditions (“Terms”)
1. This offer is valid as per the table below (“Offer Period”).
Offer start date Offer start time Offer end date Offer end time
|
Offer start date |
Offer start time |
Offer end date |
Offer end time |
|
11-09-2025 |
07:00 |
12-09-2025 |
23:59 |
|
13-09-2025 |
07:00 |
14-09-2025 |
23:59 |
|
15-09-2025 |
07:00 |
16-09-2025 |
23:59 |
|
17-09-2025 |
07:00 |
18-09-2025 |
23:59 |
|
19-09-2025 |
07:00 |
20-09-2025 |
23:59 |
|
21-09-2025 |
07:00 |
22-09-2025 |
23:59 |
|
23-09-2025 |
07:00 |
24-09-2025 |
23:59 |
|
25-09-2025 |
07:00 |
26-09-2025 |
23:59 |
|
27-09-2025 |
07:00 |
28-09-2025 |
23:59 |
|
29-09-2025 |
07:00 |
30-09-2025 |
23:59 |
2. The offer is valid for select users who have completed a UPI transaction on the Aditya Birla Capital Digital Limited (ABCDL) mobile application (“ABCD App”) on or after 1st September 2025 (collectively referred to as “Users”).
3. Subject to these Terms, the Users who undertake 10 payments of a minimum value of Rupees Fifty each (₹50), through ‘scan and pay’ or ‘online merchant payments’ transactions on the ABCD App, within the Offer Period may be selected by ABCDL, at its sole discretion, as the Eligible User, who may, subject to these Terms, receive a cashback of Twenty (₹20).
4. ABCDL reserves the right to determine the amount of cashback to be given on a transaction undertaken in accordance with these Terms, at its sole discretion.
5. This offer does not apply to, and no Reward will be available in respect of ‘peer-to-peer’ (P2P) transactions, self-transfer, transactions using UPI lite, bill payment transactions, person-to-account number (P2A) transactions, or money requests, including transactions involving sending money to bank accounts, or to payments or transactions undertaken by a User in respect of any insurance products or mutual fund products
6. The Reward shall only be available to the first four thousand (4,000) Eligible Users during each Offer Period, and can be availed once by one Eligible User per Device, during each Offer Period mentioned.
7. The reward may be credited, subject to these Terms, to the Eligible User's bank account linked with the ABCD App within ten (10) working days after the Eligible Transaction is successfully processed and the money is transferred to the intended payee.
8. If the bank account linked to the User’s Virtual Permanent Address (VPA) is frozen or unable to accept a cashback from ABCDL, ABCDL will retry to credit the cashback to the bank account linked with the ABCD App. In case of retry fails, the cashback will be posted as reward points, at ABCDL’s sole discretion, or stand forfeited/ cancelled.
9. The present Offer cannot be availed if the User clubs more than one offer in undertaking a payment transaction.
10. ABCDL reserves the right to modify or withdraw the offer at any time without prior notice. ABCDL further reserves the right to cancel any transaction or withdraw or revoke any reward for any reason whatsoever, without any liability, including in the event any fraudulent or unlawful activity is detected.
11. In case any dispute arises in respect of or in connection with, this offer, the decision of ABCDL shall be final and binding.
12. This offer, the Reward and any associated benefits shall be provided to the User at the sole discretion of ABCDL.
13. Payments made and transactions undertaken through the ABCD App, shall be subject to ABCD App’s Terms and Conditions, its UPI Terms and Conditions and BBPS Terms and Conditions, and any additional terms that ABCDL may specify in this regard, and the same shall be deemed to have been incorporated herein by reference.
14. By undertaking transactions through the ABCD App, and by availing this offer, the User hereby consents to these Terms, the Terms and Conditions of the ABCD App, and its Privacy Policy, which shall apply in addition to these Terms and the same shall be deemed to have been incorporated herein by reference.
15. ABCDL shall be entitled to revise or amend these Terms at any time, by posting an updated version on the ABCD App. The updated version of the Terms shall take effect immediately and it is the User’s responsibility to review these Terms periodically for updates/ changes. The User’s continuing to avail this offer, shall be deemed to mean that the User accepts such changes, revisions or modifications.
16. In the event of any inconsistency between these Terms and the Terms and Conditions of the ABCD App, these Terms shall prevail to the extent of such inconsistency.