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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
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
Loan for SalariedLoan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
Loan for Self-EmployedLoan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
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 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
Machinery LoanEmpower your ambitions with customized Machinery Loans
Rooftop Solar LoanMaximize Your ROI with Strategic Energy Funding
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
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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
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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
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Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
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Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
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- Liquidity
- Diversification
- Ownership in a company
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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Health & Wellness PlansMake quality health care affordable and accessible
Super Top-up PlansGet extra coverage when you need it most
Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
Health Saver CardThe Health Saver Card helps reduce expenses while keeping you healthier
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, Upper Layer Non-Deposit taking Non-Banking Financial Company (NBFC-ICC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provide 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 66,500 employees, the businesses of ABCL have a nationwide reach with over 1,759 branches and more than 200,000 agents /channel partners along with several bank partners.
Nationwide Branches
1,759
No. of Employees
66,500
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 7.53 Lakh Cr
Consolidated Lending Book
INR 2.19 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
- ABCL List of active CLA Partners
- List of Third parties
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABCL 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
Digital WillA digital will is a legally valid document created through a secure online platform
Read About LoansMoney management made easy
Read About TaxationUnderstanding direct and indirect taxes
Read About Citizen ServicesKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read About Credit & Banking Investments and their jargon - simplified
Read about InvestingInvestments and their jargon - simplified
Read About Personal FinanceKnow all about loans and their management
Read About PaymentsKnow 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
SSY Calculator Calculate Maturity Amount for your Recurring SSY
Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
EMPLOYEES
BRANCHES
ASSETS UNDER MANAGEMENT
CONSOLIDATED LENDING BOOK
What is Flexi Personal Loan?
In a Flexi Personal Loan, you get a pre-approved credit line that can be utilized whenever required. The main benefit is that you have to pay interest on the amount you withdraw and not on the total sanctioned credit line. It provides more flexibility in managing your finances while keeping the cost of borrowing low.
Withdraw money whenever required
Interest payable only on the amount withdrawn
Our Personal Finance Products
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get quick personal loans for any emergency. Enjoy a digital application and sanctioning process that delivers funds within minutes.
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Features and Benefits of Flexi Loan
Availability of Funds at Any Time
Withdraw cash whenever needed within the sanctioned credit limit, ensuring that you have access to funds anytime.
Withdraw, Pay Back & Withdraw Again
Pay back the withdrawn amount and redraw funds as per requirement through the period of the loan.
Borrow as Per Requirement
Borrow only what is needed by you and control your credit as per your requirements.
Interest on Amount Withdrawn Only
Pay interest only on the amount withdrawn from your credit line, saving you from unnecessary costs.
Flexi Personal Loan Eligibility & Documents
Eligibility Criteria for a Flexi Personal Loan
To qualify for a Flexi Personal Loan, applicants must meet the following criteria:
-
Age Requirement
Minimum Age: 21 years
Maximum Age: 60 years -
Income Criteria
Salaried: Minimum monthly salary of ₹35,000
Self-Employed: Minimum annual turnover of ₹5 lakh - Employment Type Salaried professionals, business owners, freelancers, and entrepreneurs with stable income.
- Credit Score Requirement A credit score of 750+ is recommended for higher loan limits and better interest rates.
Documents Required for a Flexi Personal Loan
-
For Salaried Individuals
Identity Proof: Aadhaar Card, PAN Card, Passport
Address Proof: Utility bill, Driving Licence, Voter ID
Income Proof: Salary slips (last 3 months), Bank statements (last 6 months) -
For Self-Employed Individuals
KYC Documents: Aadhaar Card, PAN Card, Passport
Income Proof: ITR (last 2 years), Business registration proof
Bank Statement: Last 6 months' statement for financial assessment
Types of Personal Loan in India
How to Apply for a Flexi Personal Loan?
Apply Online
Visit the loan application page and submit your details.
Upload Documents
Submit your KYC and income proof digitally for verification.
Get Approval
Once verified, receive a pre-approved credit line.
Pay Interest Only on the Used Amount
Enjoy lower borrowing costs by paying interest only on what you withdraw.
Withdraw Funds When Needed
Access your loan limit and use funds as per your requirements.
Fees & Charges
| Personal Loan Fees & Charges | |
|---|---|
| Indicative range of Rate of Interest |
10% p.a. to 28% p.a.
Note: ‘Broken Period Interest’ shall be charged and collected, wherever applicable |
| PENAL CHARGES | |
| Particulars of Charges | Details |
| Penal charges (charges levied for non-payment of dues) | 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 |
| Cheque return/bounce charges / ECS/SI/NACH failure charges | Up to Rs. 1,000/- per instance and per agreed repayment cycle |
| Mandate cancellation charges (one time charge levied in case customer cancels an active mandate instruction for recurring repayment(s) and no new mandate is registered) | Rs. 450 per instance |
| OTHER CHARGES | |
| Particulars of Charges | Details |
| Processing Fees | Up to 4% of the Loan Sanctioned Amount |
| Part Pre-payment charges |
Up to 7% of the Part Payment amount if done within 13 months
from the date of disbursal, up to 6% of the Part Payment amount
if done from 13 to 25 months from the date of disbursal &
up to 5% of the Part Payment amount post 25 months.
For Dropline Credit & Flexi Dropline Credit Facility – (A) No charges for payments through mobile app/portal. (B) Part pre-payment of loan facility towards limit reduction is not available. Conditions: (A) Maximum cumulative part prepayments of up to 20% of the principal outstanding during a year shall be permitted, calculated on a per-transaction basis. (B) This charge will be applicable only for fixed rate loans. |
| Foreclosure charges |
Up to 7% of the Principal Outstanding/Withdrawable amount if
done within 13 months from the date of disbursal, up to 6% of
the Principal Outstanding/Withdrawable amount if done from
13 to 25 months from the date of disbursal & up to 5% of
the Principal Outstanding/Withdrawable amount post 25 months.
Condition: This charge will be applicable only for fixed rate loans. Principal Outstanding is applicable to: Term Loan & Flexi Personal Loan Facility. Withdrawable limit is applicable to: Dropline Credit & Flexi Dropline Credit. |
| Non-Utilization Charges |
For Dropline Credit & Flexi Dropline Credit Facility only:
Charge of 0.25% per month (3% p.a.) on the non-utilized Dropline Credit Facility (Total Withdrawable Limit minus Average Monthly Utilized Amount); applicable where average monthly utilization is ≤25%. |
| Loan Cancellation Charges |
Cancellation allowed within 7 days from the date of disbursal
subject to following charges (plus additional taxes wherever applicable):
1. The applicable processing fee to be retained before reversing the funds. 2. For any cross-sell product, including third-party product fees, the charges should be retained before reversing any funds. Only insurance-related charges will be reversed if the customer has made an upfront payment, provided the associated policy is cancelled and the corresponding refund amount is received by ABCL. 3. Rs. 2000 charge of cancellation to be paid by the customer. Post cooling off period Foreclosure charges are applicable. |
| Statement of Account/ Repayment Schedule/ any other document/statement | For Physical copy, Rs. 500 per request |
| Duplicate No Due Certificate Issuance Charges/ No-Objection Certificate Issuance Charges | Rs. 1000 per instance |
| Charge For Exchanging PDCs, Security Cheques (Per Set) / ECS / NACH re-registration charges | Rs. 750 per instance |
| EMI cycle change date |
Rs. 750 per instance
Note: Interest accrued (from original EMI date to revised EMI date), if any, on account of EMI date change interest shall be applicable and payable upfront over and above the EMI change date charges. |
| Loan Re-Schedulement charges (on request from applicants, approval to be at sole discretion of ABCL) | Rs. 5,000 per instance |
| Cheque Re-Issuance charges | Rs. 500 per instance |
| Annual Maintenance Charges |
For Dropline Credit & Flexi Dropline Credit Facility only:
0.25% on total withdrawable amount deducted at the beginning of the each year, irrespective of utilization on the date of levy of such charges. |
| Principle Holiday Fee |
For Flexi Personal Loan & Flexi Dropline Credit Facility:
₹1,999 for loan amounts between ₹1,00,000 and ₹3,00,000 ₹2,999 for loan amounts between ₹3,00,001 and ₹6,00,000 ₹3,999 for loan amounts between ₹6,00,001 and ₹9,00,000 ₹5,999 for loan amounts between ₹9,00,001 and ₹12,00,000 ₹7,999 for loan amounts between ₹12,00,001 and ₹15,00,000 ₹9,999 for loan amounts between ₹15,00,001 and ₹18,00,000 ₹11,999 for loan amounts between ₹18,00,001 and ₹21,00,000 ₹14,999 for loan amounts greater than ₹21,00,000 will be deducted upfront from the loan amount. |
| Stamp Duty | As per actuals |
| Legal and other statutory charges | As per actuals |
| Filing Financial information with Information Utility (NeSL) | As per actuals |
| Note: GST at applicable rates, shall be levied as per the prevailing law for Banking & Financial services sector including NBFC. | |
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
Explore All Personal Loan Options
Find the right personal loan for every financial needInstant Personal Loan
INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Home Loan
-
Up to 90% property cost loans -
Flexible 30-year repayment tenures
Loan Against Property
- High LTV ratio for loans
- Low interest rates, easy repayments
ABC Of Personal Loans
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.