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Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
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Financial and Debt-Related Policies
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Read About LoansMoney management made easy
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Read about InsuranceInsurance and it's aspects for laymen
Read About Credit & Banking Investments and their jargon - simplified
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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
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Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
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What is an Emergency Loan?
An Emergency Loan is a type of personal loan that provides easy access to funds in an emergency. It does not matter whether it is a sudden household maintenance expense, a car repair, or a medical contingency; an emergency loan can be availed instantly.
The Emergency Loan is a collateral-free loan that can be availed based on your income and eligibility parameters. The loan application process is digital, allowing you to apply online in minutes and have the loan disbursed to your bank account instantly to meet emergencies.
Aditya Birla Capital offers Personal Loans for emergencies at attractive interest rates starting from 10.99% p.a. You can get loans of up to ₹15 lakhs, with a flexible repayment tenure that allows you to repay the loan without harming your budget. Enjoy easy eligibility parameters and minimal documentation to get the loan instantly when you need it the most.
Our Personal Finance Products
Get quick personal loans for any emergency. Enjoy a digital application and sanctioning process that delivers funds within minutes.
Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.
Get all your EMI payments under one roof at an affordable monthly payment system.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get quick access to funds to meet your urgent needs
Features and Benefits of Emergency Loan
Instant Approval
Eligible applicants can receive loan approval quickly after their application and documents are verified. This helps reduce waiting time for an urgent personal loan
Quick Disbursal
Once your Emergency Loan is approved, the loan amount is disbursed directly to your bank account. Fast disbursal ensures you have timely access to funds when you need them most.
No Collateral Required
An Emergency Loan is typically unsecured, so you don't need to pledge any asset as security. This makes borrowing simpler and more accessible for eligible applicants.
Minimal Documentation
Apply with a streamlined documentation process by submitting only the essential documents. Fewer paperwork requirements help speed up loan processing and approval.
Flexible Repayment Options
Choose a repayment tenure that aligns with your financial needs and repayment capacity. Flexible EMI options make loan repayment more convenient and manageable.
Competitive Interest Rates
Many lenders offer Emergency Loans at competitive interest rates based on your eligibility and credit profile. Lower borrowing costs can help reduce your overall repayment burden.
Fully Digital Process
From application to approval and disbursal, the entire Emergency Loan process can be completed online. This offers a convenient, paperless borrowing experience from anywhere.
Transparent Terms
Emergency Loans come with clear information about interest rates, processing fees, repayment schedules, and other charges. Transparent terms help you make informed borrowing decisions without hidden surprises.
Emergency Loan Eligibility and Documents
In need of an urgent emergency loan? Check whether you meet the criteria.
Documents Required for an Emergency Loan
-
For Salaried Individuals:
- 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 Emergency 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.
Types of Personal Loan in India
How to Apply for an Emergency Loan
Check Eligibility
Visit the Aditya Birla Capital website or use the Aditya Birla Capital App to check your eligibility for an Emergency Loan. Use the personal loan eligibility calculator to review the loan amount you may qualify for based on your income and repayment capacity.
Complete the Online Application
Fill out the Emergency Loan application form by providing accurate personal, employment, and financial details on the Aditya Birla Capital website or app.
Upload Required Documents
Submit the necessary personal loan documents, including identity proof, address proof, income proof, bank statements,etc. for verification.
Verification and Loan Approval
The Aditya Birla Capital team verifies your application details and supporting documents. Once the verification process is complete and you meet the eligibility criteria, your loan application is approved.
Receive Instant Loan Disbursal
After approval, the Emergency Loan amount is disbursed directly to your registered bank account, helping you meet urgent need of money without delay.
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. |
Customer Satisfaction Stories
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
Ashesh Shah
Aditya Birla Capital Limited
Mr. Baijnath Choudhary
Aditya Birla Capital
Mrs. Snehal Rajpure
Aditya Birla Finance Customer
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
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.