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Home LoanFind customised home loan solutions for your unique needs
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Top up Home LoanGet a loan on your existing home loan to meet your needs
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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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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 66,500 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
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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What is Personal Loan for iPhone
Owning the latest iPhone is now easier than ever with a personal loan designed specifically for smartphone purchases. Whether upgrading to a flagship model or buying your first Apple device, this loan allows you to spread the cost into affordable EMIs.
With instant approval, zero collateral, and flexible repayment tenures, you can purchase your dream iPhone without financial strain. Even if you don’t have a credit card, this personal loan ensures a seamless buying experience.
Our Personal Finance Products
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
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 quick access to funds to meet your urgent needs
Get all your EMI payments under one roof at an affordable monthly payment system.
Features and Benefits of iPhone on EMI
Instant Approval
Experience a fast and easy approval procedure with fewer documents. This will enable you to buy your iPhone without causing much trouble.
100% Financing
Borrowers who meet the lender’s requirements may finance the full amount of their iPhones without paying a lump sum initially.
Flexible Repayment Tenure
Avail of flexible EMI plans according to your choice of loan repayment tenure.
No Credit Card Required
You can apply for an iPhone loan without having a credit card with you, provided you fulfil the criteria and get the approval.
Zero Collateral
You can apply for an iPhone loan without having a credit card with you, provided you fulfil the criteria and get the approval.
Buy Now, Pay Later
Make your purchase instantly and repay the amount in affordable monthly instalments for the selected tenure.
Loan Amount up to ₹2 Lakh
Eligible applicants may borrow up to ₹2 lakh, subject to their qualifications
Low Interest Rates
Enjoy competitive interest rates that help keep your borrowing costs affordable and your EMIs manageable.
Minimal Documentation
Apply with a few essential documents to ensure a smooth, hassle-free loan application process.
Quick Disbursal
Once your loan is approved and verified, the funds are disbursed instantly, helping you buy your iPhone without delay.
Eligibility and Documents for Personal Loan for iPhone
Documents Required for a Personal Loan for iPhone
- 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).
- KYC Documents Aadhaar Card, PAN Card, Passport.
- Income Proof ITR (last 2 years), Business registration proof.
- Bank Statement 6-month bank statement for income verification.
For Salaried Individuals
For Self-Employed Individuals
Eligibility Criteria for Personal Loan
- Age : You should be between 21 and 60 years old.
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Income Requirement:
- Salaried: Minimum monthly salary of ₹20,000.
- Self-Employed: Minimum annual turnover of ₹3 lakh.
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Employment Type :
- Salaried professionals, freelancers, and business owners with stable income.
- Credit Score: A credit score of 700+ is preferred for quick approval and better interest rates.
Types of Personal Loan in India
How to Apply for a Personal Loan for iPhone?
Check Your Eligibility
To apply for an iPhone loan online, visit the Aditya Birla Capital website or use the Aditya Birla Capital app to check your eligibility. 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 personal loan application form by providing accurate personal, employment, and financial details on the Aditya Birla Capital website or app.
Upload the Required Documents
Submit the necessary 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 Funds
After approval, the loan would be disbursed directly to your registered bank account. Once you receive the funds, you can buy the iPhone you want.
Fees and Charges for Personal Loans for iPhone
| 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
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.