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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 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 Lakh CrCorporate Governance Policies
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Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Bank Branches
Emergency Loan – Get Instant Funds for Urgent Needs
An emergency loan is a fast and hassle-free financial solution designed to help you manage urgent expenses such as medical bills, sudden home repairs, or unexpected travel. With minimal documentation, quick approval, and flexible repayment options, this loan ensures you get immediate financial support when you need it the most.
With a seamless online application, no collateral requirement, and instant disbursal, you can access emergency funds without unnecessary delays.
Features
of an Emergency Loan
Instant Approval
Get loan approval within minutes.
Quick Disbursal
Funds are credited to your account quickly
No Collateral Required
This is an unsecured loan, so you don’t need to pledge assets.
Minimal Documentation
Apply with just basic KYC and income proofs.
Flexible Repayment Options
Choose an EMI plan that fits your budget.
Competitive Interest Rates
Affordable rates to ensure easy repayment.
Fully Digital Process
Apply, upload documents, and get approval online.
Transparent Terms
No hidden charges or surprise fees.
Eligibility Criteria for an Emergency Loan
Documents Required for an Emergency Loan
-
For Salaried Individualsf:
- Identity Proof: Aadhaar Card, PAN Card, Passport.
- Address Proof: Utility bill, Rent agreement, Driving license.
- Income Proof: Salary slips (last 3 months), Bank statements (last 6 months).
-
For Self-Employed Individuals:
- Identity Proof: Aadhaar Card, PAN Card
- Income Proof: Income Tax Returns (ITR) for the last 2 years
- Business Proof: GST certificate, business registration
Eligibility Criteria for Personal Loan
- Age: 21 to 60 years
- Employment Type: Salaried individuals or self-employed professionals with a stable income
- Income Requirement: Minimum monthly salary as per lender’s policy
- Credit Score: A credit score of over 700 is recommended for faster loan approval
- Work Experience: Salaried individuals must have at least 6 months of continuous employment.
How to Apply for an Emergency Loan
Check Eligibility
Use the online eligibility calculator.
Fill Out the Online Application
Provide personal and financial details.
Upload Required Documents
Submit identity proof, address proof, and income documents.
Loan Verification & Approval
Your application is reviewed and approved within minutes.
Instant Disbursal
The loan amount is credited to your bank account within a few hours.
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.
Fees and Charges for
Emergency Loans
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual, if applicable |
| Pre-closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual, if applicable |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
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.
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Mr. Hiralkumar Ashokbhai Patel
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
Mr. Pramod Kumar Saini
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
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
FAQs on Emergency Loans
An emergency loan is a type of personal loan that offers instant funds for emergencies. It is an unsecured loan with a simple application process and minimal documentation.
The emergency loan can be used for any type of emergency, such as a medical emergency, job loss, financial crunch, etc. There are no restrictions on its usage.
The loan amount depends on your eligibility parameters. However, you can qualify for a loan of ₹50,000.
A minimum credit score of 750 is needed to avail of Aditya Birla Capital’s emergency loans. If you have a lower score, you cannot get the loan.
The loan amount depends on your eligibility parameters. You can use the online eligibility calculator to assess the loan amount basis your eligibility.
The factors affecting the interest rates on emergency loans include the following -
• The lender’s interest rates
• Your credit score
• The macro rates
You can reduce the burden of EMIs by opting for a low loan amount. Alternatively, you can choose a longer repayment tenure to get lower EMIs.
You can use the online EMI calculator to find the interest rate payable on the emergency loan.
Aditya Birla Capital sanctions and disburses the loan quickly provided your application and documentation are in order.
You can apply for multiple emergency loans at the same time. However, each application will result in a hard enquiry into your credit score, which will reduce it. So, multiple applications are not recommended.