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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

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Home Loan Eligibility Calculator

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Fuel your business growth with fast and flexible term lending.

Get funds for expansion, asset purchase, or working capital on your terms.

• Competitive term loan interest rates

• Tenure up to 15 years

• Quick approval and disbursal

Step 1

Step 2

Step 3

Finish

165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

What is a Term Loan?

A term loan is a business loan granted for a specific amount, with a fixed repayment schedule and tenure. It is ideal for enterprises seeking short-term loans or long-term funding to support capital expenditure, working capital, or strategic business expansion.
Unlike overdrafts or credit lines, term lending involves borrowing a lump sum with structured repayment, making it suitable for clearly defined funding needs.

Purchase machinery or equipment

Expand production or enter new markets

Hire skilled manpower or upgrade systems

Cover immediate working capital requirements

Term Loans for Corporate Growth & Expansion

Get the funds you need to power your next big move. Whether you're planning to expand operations, invest in new assets, or manage short-term cash flow gaps, term lending from Aditya Birla Capital gives you access to fast, flexible financing, designed for real business impact.

Key Features of Aditya Birla Capital Term Loans

Loan Amount:

Tailored as per business requirement and financials

Tenure:

From 12 months to up to 15 years

Interest Rate:

Attractive and competitive term loan interest rates

Usage:

Working capital, asset purchase, business expansion, process upgrades

Repayment:

EMI-based or structured as per cash flow cycles

Processing Time:

Quick disbursal with minimal documentation

Things To Keep In Mind

Short Term Loans

Ideal for managing operational expenses or short-term projects (up to 3 years)

Medium/Long Term Loan

For major capital expenditures, expansions, or high-value investments (up to 15 years)

Secured & Unsecured Term Loans

Based on business profile and collateral availability

Check Your Eligibility

Eligibility Criteria

Registered businesses operating for at least 2 years
Healthy financial track record and repayment capacity
Proprietorships, partnerships, LLPs, private limited and public companies
Clear business plan or fund utilisation roadmap

Application Process

Register and submit your business details online
Provide basic documents and financials
Get verified and receive a custom loan offer
Accept the terms and get disbursal directly to your account

Our team ensures smooth onboarding and personalised assistance throughout the journey.

Why Choose Aditya Birla Capital for Term Loans?

Proven expertise in term lending for corporates

Tailored loan solutions with competitive rates

Quick disbursal and end-to-end digital process

Trusted by leading enterprises across sectors

Dedicated Relationship Managers for personalised support

Customer Satisfaction Stories

Don’t just take our word for it. Hear from our customers about their successful financial journey with us

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

The digital platform and whatsapp service of ABHFL gives me a quick access to my basic loan details such as statement of accounts, loan account details, interest certificate, and repayment schedule.

Mr. Arpit Jain

Aditya Birla Finance Customer

Gurgaon, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

Highly appreciate the speed of work at ABHFL, my overall experience in the home loan journey was good.

Mr. Dharmendra Kumar

Aditya Birla Finance Customer

Meerut, India

Loan Against Property

Pledge property, access funds

High LTV ratio for loans
Low interest rates, easy repayments

View Products

Balance Transfer

Lower rates, affordable repay

Reduced Interest Rates
Lower Monthly Payments

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FAQs on Loan Against Property

Loan Against Property (LAP) is a secured loan that allows you to borrow money by pledging your residential or commercial property as collateral. This means that the lender will have a legal claim to your property if you are unable to repay the loan.

ABHFL typically accepts the following types of properties as collateral for LAP:

• Residential properties (apartments, bungalows, houses)

• Commercial properties (shops, offices, warehouses)

• High loan-to-value ratio (LTV): You can borrow up to 75% of the market value of your property, which can provide you with a significant amount of funding.

• Flexible repayment options: You can choose a repayment tenure that suits your financial situation.

• Competitive interest rates: ABHFL offers competitive interest rates on LAP, making it an affordable option for borrowers.

• Quick processing times: ABHFL strives to process LAP applications quickly, so you can access the funds you need as soon as possible.

LAP can be used for various purposes, including:

• Home improvement and renovations: You can use LAP to finance home improvements, such as renovations, extensions, or upgrades.

• Debt consolidation: You can consolidate multiple debts into a single LAP, potentially reducing your overall interest payments and simplifying debt management.

• Medical expenses and emergencies: LAP can serve as a financial backup in case of unexpected medical expenses or emergencies.

• Education expenses: LAP can be used to fund education expenses for yourself, your children, or other family members.

• Business expansion: LAP can be used to finance business expansion plans, such as purchasing equipment, hiring new employees, or expanding operations.

You can avail of LAP for any personal or business purposes, provided the end use is not for any speculative or prohibitive reasons.

Loans can be availed with a tenure of up to a maximum of 20 years. Repayment will not ordinarily be extended beyond the age of retirement (if you are employed) or on your reaching 60 years of age, whichever is earlier. However, our endeavour will be to determine the repayment period to suit your convenience.