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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!
Calculate Now
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 an Instant Loan?
An Instant Loan is a collateral-free personal loan that provides quick access to funds through a fast, digital application process. It is designed to help you meet urgent financial needs without lengthy paperwork or waiting periods. With Aditiya Birla Capital, you get
Quick Online application with minimal documentation.
Fast loan approval and disbursal within 24- 48 hours of approval
Flexible loan amounts and repayment tenures to suit your needs.
Competitive interest rates for affordable borrowing.
Instant funds for medical emergencies, home repairs, travel, education, weddings, and other planned or unexpected expenses.
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.
Borrow only what you need, when you need it, from a pre-approved limit. Pay interest only on the amount utilised — not the full sanctioned sum — for a more cost-efficient way to manage cash flow.
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 of Instant Loans
Quick Disbursal
You will get your loan disbursed quickly once the verification of all the necessary documents is done. Instant Personal Loans thus come in handy for meeting any urgent requirements
Minimal Documentation
Apply with only the essential documents required for verification. The simplified documentation process helps speed up approval and reduces paperwork.
No Collateral Required
You don't have to pledge your property,gold, investments, or any other assets to get the loan. Approval is based on your eligibility, income, and credit score.
Flexible Repayment Tenure
Choose a repayment tenure that aligns with your financial goals and monthly budget. Flexible EMI options make it easier to manage repayments without straining your finances.
24/7 Online Application
Apply for Instant Personal Loans online round the clock. There is absolutely no need to visit the branch of the bank for submitting the loan application form.
Custom Loan Amounts
Borrow an amount that matches your financial needs and repayment capacity. The sanctioned loan amount is determined based on your eligibility assessment.
Instant Personal Loans Eligibility & Documents
Eligibility Criteria for Instant Loans
To qualify for an instant loan, applicants must meet the following criteria:
- Minimum Age 21 or 23 years depending on the loan type
- Maximum Age 60 years. Can be extended to 62 years in specified cases.
- Employment Type Salaried with a stable income source
- Minimum Monthly Income ₹20,000 (varies by city)
- Credit Score A minimum CIBIL score of 700 is preferred for higher chances of approval
- Bank Account Must have an active salary or savings account for loan disbursal
Documents Required for Instant Loans
The following documents are typically required to process an instant loan application:
- Identity Proof Aadhaar Card, PAN Card, Passport, or Voter ID
- Address Proof Utility bill, rental agreement, or Aadhaar Card
- Income Proof Latest salary slip (for salaried) or bank statements & ITR (for self-employed)
- Bank Account Details Cancelled cheque or bank statement for verification
Types of Personal Loan in India
How to Apply for an Instant Loan?
Visit Our Website or App
Go to Aditya Birla Capital’s official website.
Check Eligibility
Use the online calculator to check your loan eligibility.
Fill Out the Online Form
Enter your personal, employment, and financial details.
Upload Required Documents
Submit scanned copies of the necessary documents.
Verification & Approval
We will verify your application and notify you of approval.
Disbursal
Upon approval, the loan amount is credited to your account within 24–48 hours.
Customer Satisfaction Stories
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Aditya Birla Finance Customer
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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
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
Top-Up
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Comprehensive coverage
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Affordable with low premiums
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.