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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
Loan for EngineersNeed quick funds for your financial needs?
Loan for Self-employedShop to your heart’s content with Aditya Birla Capital’s Loan for Self-employed.
Loan for DoctorsNeed funds for your personal or business-related needs?
Loan for Government EmployeesSimple financing for government employees.
Loan for CANeed quick funds with simple documentation?
Loan for SalariedWaiting for your salary to be credited to meet your financial needs?
Loan for TeachersNeed quick funds without collateral security?
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
Loan 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
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- 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
- Active Service Providers List
- 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
What is a Debt Consolidation Loan?
A debt consolidation loan is a type of personal loan that can help you merge all your outstanding debts into one. This can help you manage debt repayments with a single EMI each month and also save on additional interest outgoes.
Say goodbye to multiple due dates and interest rates
One consolidated loan, one simple repayment plan
Lighten your financial load and regain control over your budget
Ideal for anyone looking to simplify debt management
Our Personal Finance Products
Spread repayments over an extended tenure to keep EMIs affordable and predictable. A practical choice for funding larger expenses without straining your monthly budget.
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get funds disbursed quickly with minimal documentation — ideal for urgent expenses when you can't afford to wait. Apply online and receive a decision in minutes, with disbursal soon after approval.
Combine multiple high-interest debts, like credit card dues, into a single Personal Loan with one manageable EMI. Simplify your repayments and lower your overall interest cost in the process.
A quick-repayment option for smaller, immediate needs, with tenures designed to help you clear the loan faster. Shorter tenures mean a lower total interest outgo over the life of the loan.
Features and Benefits of a Debt Consolidation Loan
Simplified Repayments
A debt consolidation loan combines multiple outstanding debts into a single loan, making repayments easier to manage. Instead of keeping track of several due dates and EMIs, you make one monthly payment, reducing the chances of missed payments.
Lower Interest Rates
If you qualify, a debt consolidation loan may offer a lower interest rate than your existing high interest debts, such as credit cards. This can help reduce your overall borrowing cost and make repayment more affordable over time.
Fixed Monthly Instalments
With fixed monthly instalments, you know exactly how much you need to pay every month throughout the loan tenure. Predictable EMIs make it easier to plan your monthly budget and manage your finances with confidence.
No Collateral Required
Many debt consolidation loans are unsecured, meaning you don't need to pledge any asset or property as collateral. This allows you to consolidate your debts without putting your valuable assets at risk.
Improved Credit Score
Making timely EMI payments can help improve your credit profile over time. A lower credit utilisation ratio and consistent repayment history may contribute to a healthier credit score, subject to your overall financial behaviour.
Debt Consolidation Loans Eligibility & Documents
Eligibility Criteria for a Debt Consolidation Loan
- Age: The minimum age is 21 or 23 years, depending on the loan type, and the maximum is 60 years. In some cases, the entry age is extended to up to 62 years.
- Employment Status: You should be a salaried employee or self-employed with a stable income.
- Minimum Income Lenders typically require a steady monthly income to approve a debt consolidation loan.
- Credit Score A score of 700 or higher increases your chances of approval.
- Debt-to-Income Ratio Your total monthly debt obligations should be within a manageable limit compared to your income.
Documents Required for a Debt Consolidation Loan
- Proof of Identity: Aadhaar Card, PAN Card, Passport, or Voter ID.
- Proof of Address: Utility bills, rental agreements, or Passport.
- Proof of Income: Recent salary slips or Income Tax Returns for self-employed individuals.
- Bank Statements: Last 6 months’ statements showing your income and debt obligations.
- Loan Details: Statements of existing loans or credit card dues you wish to consolidate.
Types of Personal Loan in India
How to Apply for a Debt Consolidation Loan Online
Visit the Aditya Birla Capital Website or ABCD App
Start by accessing the official website or app of Aditya Birla Capital.
Check Your Eligibility
Use an online eligibility calculator to see if you qualify for a debt consolidation loan.
Fill Out the Online Application
Enter your personal details, income, and existing debt information.
Upload the Required Documents
Submit scanned copies of the necessary documents for verification.
Verification and Approval
Once your application is reviewed and approved, you’ll receive a loan offer with terms and conditions.
Loan Disbursal
After signing the agreement, the lender will disburse the funds directly to your bank account or pay off your existing debts.
Customer Satisfaction Stories
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Aditya Birla Finance Customer
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
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
PORTFOLIO CONSOLIDATOR
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STOCKS AND SECURITIES
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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.