Key Benefits
Low Interest Rates
No Collateral Required
Minimum Documentation
Loan Tenure From 12 Months to 60 Months
Upto ₹5 Lakhs Available
Instant Disbursal
100% Digital Process
Flexible Repayment Options
T&C Applied
Different Needs, One Solution - Personal Loan
Our personal loan ensures that your financial needs are met seamlessly and stress-free
Fund your child's education
Upgrade your living space without financial strain
Get instant funds for unexpected medical expenses.
Personal Loan Calculator
₹78,989*
₹8,78,989*
₹1,78,989*
₹4,400
₹4,22,391
₹1,76,815
Personalized Options Just for You
With options tailored to fit your profile, we ensure you get the best terms suited to your needs
Age
23 - 60 yrs
Employment
Available for salaried professionals and self-employed individuals
Monthly Income
Minimum ₹25,000
Loan Amount
₹25,000 to ₹5,00,000
Processing Fee
Ranges from 1.18% to 4.13% (inclusive of GST)
ID Proof Required
Aadhaar Card and PANHow to Apply for a Personal Loan
Provide Basic Information
Customize Your Loan Offer
Set Up EMI and Perform KYC
Get instant loan disbursal
Frequently Asked Questions (FAQs)
Our Personal Loan offers range from Rs. 25,000 to 5 lakh. The maximum loan amount varies for each individual.
During the loan application, you can select your preferred bank account to receive the funds. EMI repayment will be set up automatically and deducted from the same account once the loan is active. If there’s an issue setting up EMI deduction, you can try again later or choose a different bank account.
The loan disbursal is instant, and you will receive the money within minutes after you complete the necessary steps in the application process.
Aditya Birla Capital Digital, on behalf of the lender, will provide you with the following documents via email on your registered email ID: Sanction Letter, Loan Agreement and EMI Repayment Schedule upon loan activation, Statement of Loan Account and No Objection Certificate upon loan closure.
You can lodge a complaint by emailing your request to care.digital@adityabirlacapital.com. Alternatively, you can reach out to us through our contact centre by dialling this toll free number- 1800-270-7000 everyday between 9:30 AM to 6:30 PM.
The Annual Percentage Rate (APR) of a personal loan is the total yearly cost of borrowing. It includes the interest rate, processing fee, documentation charges, insurance (if any), and other charges The maximum APR can go up to 33%. For example, a ₹4 lakh loan at 12% p.a. with a 1.18% processing fee (₹4,720) results in an effective APR of ~14.26% over 12 months.
Standard charges applicable include Processing Fee (inclusive of GST), Late Payment Fee (for delayed EMI payments), and Bounce Charges (for EMI auto-debit bounce). The amount received in your bank account is net of the Processing Fee deduction. All charges and fees are transparently displayed in the Loan Agreement for your reference.