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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 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
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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
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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
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Calculate wealth creation through lumpsum investment in Mutual Funds
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Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
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Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
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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
- 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
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- ABCL Collection and Recovery Agency List
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- 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
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Spend TrackManage your money effectively with Spend Track.
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Digital WillA digital will is a legally valid document created through a secure online platform
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.
Wisdom in Choices
What is Personal Loan Interest Rates?
Personal loan interest rates determine the cost of borrowing when you take a personal loan. They are the charges lenders apply on the principal amount, typically expressed as a percentage per annum. Knowing the interest rate is crucial to plan your monthly payments and total repayment over the loan tenure.
These rates vary depending on factors such as your credit score, income, loan amount, and the lender’s policies. By choosing personal loans with low interest rates, borrowers can save significantly on repayments and improve affordability. Understanding personal loan rates helps you select the best option suited to your financial needs.
Calculate Your Personal Loan EMI Premium
Wondering how to calculate your personal loan emi premium? We have a handy tool for it.
Our Offerings
Different individuals have different needs. That’s why we offer different types of personal loans for engineers. Here’s what you can get -
Get a collateral-free loan for every type of financial need that you have. Enjoy a flexible repayment tenure to get affordable EMIs.
Get a flexible repayment solution with interest payable only on the amount that you utilise. Save on the interest outgo and get quick funds.
Reasons To Get a Personal Loan of ₹25 Lakhs from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹25 Lakhs. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹25 Lakhs Personal Loan pocket-friendly.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Quick Sanctions
Get the funds transferred to your account within 24 hours of applying for the loan.
Facility to add a co-applicant
Adding a co-applicant to the ₹25 Lakhs Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Factors Affecting Personal Loan Interest Rates
A high credit score signals reliability to lenders and can help you get lower personal loan interest rates.
High existing debt can lead to higher interest, as lenders see more risk in lending to heavily indebted borrowers.
Stable income and employment history make you eligible for personal loans with low interest rates, as lenders perceive lower risk.
Different banks and NBFCs have varying interest rate structures, so comparing offers helps identify the personal loan minimum interest rate available to you.
Larger loans or longer repayment tenures may attract slightly higher personal loan rates due to increased risk.
Fees and Charges for Personal Loan
| 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
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 Personal Loan Interest Rates
You cannot get a Personal Loan with a zero interest rate. An interest rate applies to all types of loans.
You can get a lower interest rate on a Personal Loan if you have a good credit score and when you compare and choose a lender offering the lowest rates.
Different lenders offer different interest rates on loans. If you find a lender offering a lower interest rate and switch, you can reduce the loan's interest outgo.
The interest rates determine your loan EMIs. If the interest rates are high, the EMIs will be higher and vice versa.
Some factors that influence the interest rate on Personal Loans are as follows -
• The lender’s pricing policies
• Your credit score
• The macro interest rates
Personal loans offer lower interest rates compared to credit cards. As such, you can reduce the interest you incur when you choose Personal Loans as your preferred credit mode.
If you have chosen floating-rate Personal Loans, a decrease in the interest rates would reduce the interest rates on your loan, too. However, the interest rates remain fixed with fixed-rate loans throughout the repayment tenure.
If the interest rate on your loan is too high, you can consider a balance transfer. Find a lender offering lower interest rates and transfer the existing loan to reduce the interest outgo.
The repayment tenure is inversely proportional to the interest outgo. If you choose a longer tenure, the EMIs will be lower but will pay higher interest. On the other hand, with shorter tenures, you can repay the loan quickly and reduce the overall interest expense.
The EMI calculator is a holistic tool which not only shows the EMIs payable for the loan but also shows the total interest payable over the chosen repayment tenure.
A low interest rate is good for a Personal Loan as it reduces your interest expense and helps make the loan more affordable.
The lowest interest rate depends on the lender you choose. For instance, Aditya Birla Capital offers Personal Loans based on its Short and Long-Term Reference Rates, which start at 19.45% p.a.
Personal Loans are unsecured loans that do not require collateral. As such, offering collateral will not affect the interest rate.
With Aditya Birla Capital, you can get floating-rate Personal Loans, which change when there’s a change in the Reference Rates.
No loan has zero interest rates. Every type of loan charges an interest rate for the funds advanced.
BALANCE TRANSFER LOAN
-
Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
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.