Flexi Loan

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Reasons To Get A Flexi Loan
From Aditya Birla Capital

Pay Interest Only on the Used Amount

Interest applies only to the withdrawn sum, reducing overall borrowing costs.

Flexible Repayment Options

Choose to pay just the interest initially and repay the principal later.

Zero Foreclosure Charges

Close your loan anytime without penalties.

Instant Access to Funds

Withdraw money instantly through an online portal or mobile app.

Minimal Documentation

No need for repeated approvals—access your funds with ease.

Revision of Reference Rates for determining Interest Rates on loans given

A high credit score signals reliability to lenders and can help you get lower personal loan interest rates.

High existing debt can lead to higher interest, as lenders see more risk in lending to heavily indebted borrowers.

Stable income and employment history make you eligible for personal loans with low interest rates, as lenders perceive lower risk.

Different banks and NBFCs have varying interest rate structures, so comparing offers helps identify the personal loan minimum interest rate available to you.

Larger loans or longer repayment tenures may attract slightly higher personal loan rates due to increased risk.

Get A Flexi Loan 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

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Flexi Loan Eligibility

Before opting for a Flexi 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 ABCL.

Eligibility Criteria

Nationality

Age

CIBIL Score

Employment

Indian citizen

21 years to 60 years*

700 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.

Home Loan

Affordable home loan on ABCD App

Up to 90% property cost loans
Flexible 30-year repayment tenures

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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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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

FAQs on Flexi Loan

A Flexi loan is a credit option that allows you to meet financial obligations without the need to provide 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. Also, you can withdraw funds as needed and pay interest only on the utilised amount.

A Flexi loan is versatile and can cover various expenses like home renovations, marriage expenses, education fees, vacations, debt consolidation, purchasing electronics and appliances, medical bills, business investments, car repairs, and more.

To qualify for a Flexi 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.

No! There's no restriction on the number of withdrawals you can make, allowing you to access funds as and when required. However, it's crucial to ensure that your withdrawals remain within the pre-approved credit limit sanctioned by Aditya Birla Finance. This ensures responsible borrowing and prevents you from overextending your finances.

No. There is no difference between a 'Flexi loan' and a 'personal line of credit'. The terms are often used interchangeably, as they essentially refer to the same type of revolving credit facility. Both options provide a flexible line of credit, allowing borrowers to withdraw funds up to a pre-approved limit and repay them as needed. The primary distinction between the two terms lies in their branding and usage, with "Flexi loan" being more commonly used by Aditya Birla Finance and "personal line of credit" being a general term used by various financial institutions.

Disclaimer

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.