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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
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
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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
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
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
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.
Why should you Apply for Personal Loan From ABCL?
Aditya Birla Capital provides instant personal loans for salaried people with a good credit score. You can use this personal loan to fund various financial requirements such as medical emergencies, buying household items, child's education expenses, wedding expenses, home renovation, or travel. It's a quick solution for all your personal financial needs. Aditya Birla Capital is here to help you with your financial goals!
Maximum personal loan up to 40 Lakhs
Lower Interest rates
Benefits of ABCL Personal Loan
Tools
Revision of Reference Rates for determining Interest Rates on loans given
ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
Get A Personal Loan In 5 Easy Steps
Determine your needs
Check loan eligibility
Calculate monthly installment
Submit the documents
Apply for a loan
Submit the documents
Apply for a loan
Quick and easy Personal loans for all your goals
Medical emergency
Wedding
Debt consolidation
Vacation
Home renovation
Eligibility Criteria for Personal Loan
Before opting for a Personal 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
Eligibility Criteria
Loan Against Property
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High LTV ratio for loans - Low interest rates, easy repayments
Balance Transfer
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Reduced Interest Rates
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Lower Monthly Payments
Customer Satisfaction Stories
Hear from our customers what they have to say about their experience.
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Aditya Birla Health Insurance Customer
Bangalore, India
Mr. Vivek Mishra
Aditya Birla Health Insurance Customer
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Aditya Birla Health Insurance Customer
Bangalore, India
Mr. Baijnath Choudhary
Aditya Birla Capital
Mauris Porta Arcu Id Tortor Pulvinar Cursus. Duis Mattis, Diam Id . Sit Amet. Donec Velit Massa Pharetra A Elementum Sed Mattis Vel Tortor. Ac Neque Ut Purus Sed Nulla Felis Pharetra. Lobortis Aliquet Tortor Suspendisse Urna Mauris Justo Volutpat Odio. Dignissim Orci Ante Mattis Scelerisque Lacus Amet.
Aditya Birla Health Insurance Customer
Bangalore, India
Rocky Mahapatra
Aditya Birla Capital Limited
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Aditya Birla Health Insurance Customer
Bangalore, India
FAQs on Personal Loan
A personal loan is a credit option that allows you to meet financial obligations without providing 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.
A personal loan is versatile and can cover various expenses like home renovations, marriage, vacations, debt consolidation, medical bills, business investments, car repairs, etc.
Yes! The minimum personal amount that you can borrow is about Rs 50,000.
Yes! You can apply for a Personal Loan individually or jointly with a family member, such as your spouse or parents. Applying with a co-borrower, especially with a higher income, increases the potential for a larger Loan amount. However, if the co-applicant has a poor credit history, it could negatively impact the Loan application's success.
The essential documents typically include
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KYC Documents
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Address Proof
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Income proof (such as salary slips for salaried individuals or recently acknowledged ITR for the self-employed).
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Identity proof
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Loan Statements
Yes! Along with the interest on the principal amount, there is a non-refundable processing fee of up to 1.5% to 4% of the loan amount when applying for a personal loan.
Maintaining a good credit score is vital because it increases the likelihood of securing a loan at a lower interest rate. A good credit score reflects your creditworthiness and repayment capacity. If you want to apply for a personal loan, maintain a credit score above 750.
Yes! You can prepay or foreclose your Personal Loan once the lock-in period of 12 months is over. Remember that charges (and taxes) apply for foreclosing a Personal Loan. No partial prepayment is allowed.
Upon approval of your Personal Loan, the funds are electronically deposited directly into your savings account.
Regular automated emails are shared throughout the Loan cycle. You can also connect with the assigned relationship manager for any updates on your Loan status.
No, self-employed individuals cannot apply for a personal loan.
You can reach us through:
Helpline: 1-800-270-7000 — 8 AM to 7 PM, Monday to Sunday
Service Branches: 10:00 AM to 5:00 PM, Monday to Friday and alternative Saturdays (Branches Remains Closed On 1st & 2nd Saturday & All Sundays)
Yes, the typical age limit for personal loan applicants is between 21 to 60 years, but this may vary.
Personal loan interest rates are usually fixed, meaning they remain constant throughout the loan tenure.
We always strive to offer you a hassle-free experience. To help you control your loan account, we are introducing a unique and completely secure service platform called ABCL Connect. You can access your loan account by using your login credentials click here.
Features of ABCL Connect are:
- View your loan account whenever, wherever
- View and save your amortisation schedule for any future reference
- Make an online request for disbursement
- Change your ECS mandate
- Ask for a top-up loan
- Apply for a new loan
Missing an EMI payment can result in late fees, penalties, a negative impact on your credit score, and additional interest on overdue amounts.
ABCL offers:
- Customised solutions; hassle-free financing
- Complete transparency in charges and processes
- Quick approvals and minimum processing and disbursement time
- Easy online application process and instant eligibility
- Doorstep services with simplified documentation through service RM’s
- Choose between simple EMIs or structured repayments
- Attractive balance transfer option available to transfer your existing loan to us without any hassles
Any unbanked/unused cheques, i.e., Post-dated Cheques/Undated Cheques/Security Post-dated cheques in the custody of ABCL or ABHFL will be cancelled and shredded/destroyed, without any intimation to the customer, after the closure of the loan account.
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.
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Personal Loan
Your Dreams, Your Terms. Meet all your financial needs and aspirations with swift, simple, and tailored Personal Loans.
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