Personal Loan For Salaried Employees

ABCL, A Pillar of the Global Aditya Birla Group

200,000+ Agents/Channel Partners

1,759 BRANCHES

₹ 7.53 Lakh Cr ASSETS UNDER MANAGEMENT

₹ 2.19 Lakh Cr CONSOLIDATED LENDING BOOK

What is a Personal Loan for Salaried Employees?

A Personal Loan for Salaried Employees is a tailored financial solution designed to meet the immediate monetary needs of working professionals. Whether it’s for medical emergencies, home renovations, wedding expenses, or travel, Aditya Birla Capital offers Personal Loans at competitive interest rates starting from 10.99% p.a., with flexible repayment options that help salaried individuals manage their EMIs conveniently

Salaried individuals often require financial assistance to manage unforeseen expenses or achieve personal goals, and loan for salaried person provides them with the necessary financial support without the need for collateral. With a 100% digital application process and minimal documentation, salaried employees can conveniently apply for the funds they need from Aditya Birla Capital

Personal Loan EMI Calculator

Want to know your personal loan EMI before applying for the loan? Use our personal loan EMI calculator and find your EMI instantly!

What is a Personal Loan EMI Calculator?

A personal loan EMI calculator is an online tool that helps you find the prospective EMIs for your loan. You can find the total interest payable over the repayment tenure and the total amount you pay for the loan, including the interest component. This can help you budget for the loan EMIs easily.

How does the calculator work?

To use the personal loan EMI calculator, you have to enter the loan amount, repayment tenure, and the applicable interest rate. Based on these details, the calculator calculates the EMIs instantly. You can also change the inputs to find an EMI that best fits your budget.

Calculate EMI
Calculate Your Loan Amount

PERSONAL LOAN AMOUNT

Tenure (1 to 7 Years)

Rate of Interest (9 to 13%)

I CAN PAY EMI OF

Tenure (1 to 7 Years)

Rate of Interest (9 to 13%)

Your EMI

₹ 10,624

Total Interest

₹ 1,37,440

Total Payout

₹ 6,37,440

APPLY NOW

Your Loan Amount

₹ 7,05,981

Total Interest

₹ 1,94,019

Total Payout

₹ 9,00,000

APPLY NOW

Our Personal Finance Products

Find a wide range of solutions for all your financing needs.

Personal Loan

A personal loan is an unsecured loan that helps you raise funds for your financial needs.

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Long Term Personal Loan

Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital

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Short Term Personal Loan

Get quick access to funds to meet your urgent needs

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Flexi Loan

Get an instant line of credit with Aditya Birla Capital Flexi Loan and pay interest only on the amount borrowed.

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Features and Benefits of Personal Loan for Salaried Employees

Flexible Repayment Tenure

Choose a repayment tenure that aligns with your monthly income and financial commitments. A flexible tenure allows you to plan your repayments conveniently and manage your EMIs without putting unnecessary pressure on your budget.

Instant Loan Disbursal

Get quick access to funds after your Personal Loan application is approved. The loan amount is disbursed directly to your bank account, helping you address urgent or planned financial requirements without unnecessary delays.

Minimal Documentation

Apply for a Personal Loan with a simple documentation process. Salaried employees can complete the application with basic identity, address, employment, and income-related documents, making the borrowing process convenient.

No Collateral Required

A Personal Loan is an unsecured loan, which means you do not need to pledge any asset or collateral to borrow funds. Eligibility is generally assessed based on factors such as income, employment stability, credit profile, and repayment capacity.

Competitive Interest Rates

Aditya Birla Capital offers Personal Loans at competitive interest rates starting from 10.99% p.a. The applicable interest rate depends on factors such as your eligibility, income, credit profile, and other lending criteria.

Higher Loan Amount

Eligible salaried employees can avail of a Personal Loan of up to ₹65 lakhs to meet various financial requirements. The approved loan amount is subject to the applicant's income, creditworthiness, repayment capacity, and eligibility criteria.

Prepayment and Foreclosure Options

Borrowers can choose to prepay a portion of their outstanding loan or foreclose the loan before the end of the repayment tenure. This can help reduce the overall interest outgo, subject to applicable terms and charges.

Online Application Process

Apply for a Personal Loan through a 100% digital application process from the convenience of your home. The streamlined process and minimal documentation make it easier for salaried employees to access the financial support they need.

Customisable EMI Options

Choose an EMI and repayment plan that suits your income and monthly budget. Flexible repayment options allow you to manage your loan repayments conveniently while balancing your other financial obligations.

Eligibility and Documents for Personal Loan for Salaried Employees

Before opting for a Personal Loan, ensure you qualify by checking your eligibility here.

Documents Required for Personal Loan for Salaried Employees

Identity Proof Aadhaar Card, PAN Card, Passport, Voter ID.
Address Proof Utility bills, Aadhaar card, passport, or rental agreement.
Income Proof The latest 3 months' salary slips.
Bank Statements Last 6 months' statements showing salary credits.
Photograph One recent passport-size photograph.

Eligibility Criteria for Salaried Employees

Age : The minimum age is 21 or 23 years, depending on the loan type, and the maximum is 60 years. In some cases, the entry age is extended to up to 62 years.
Employment Type: You must be a salaried employee at a recognized organization.
Monthly Income: A stable monthly income is essential for loan eligibility.
Credit Score: A CIBIL score of 700 or more helps in quicker approval and better terms.
Work Experience: Six months in the current employment.

Types of Personal Loans in India

Personal Loan For Medical Emergency

Get Personal Loans for Medical Emergency and manage your urgent medical bills. Get quick approvals and faster loan sanctions.

Personal Loan for Marriage

A Personal Loan for Marriage can help you fund the various costs associated with a wedding so that you can celebrate without financial worries.

Personal Loan for Teachers

Tailored especially for teachers, the Personal Loan for Teachers can be used to fund multiple financial needs with quick approvals.

Personal Loan for Emergency

Get a Personal Loan for Emergency and get quick funds for meeting unforeseen situations. Get the loan without collateral and at attractive interest rates.

Personal Loan for Home Renovation

Transform your house into your dream home with a Personal Loan for Home Renovation. Enjoy a digital onboarding journey with attractive interest rates.

Personal Loan for Students

The Personal Loan for Students offers collateral-free funding to meet education costs, living expenses or any other financial needs that students might have.

Personal Loan for Women

Personal Loans for Women are designed for females looking for collateral-free funding solutions for personal or business-related needs.

Personal Loan for Salaried Individuals

Salaried individuals can get a Personal Loan and meet any financial need at attractive interest rates, no collateral, and flexible repayment options.

Personal Loan for Government Employees

Personal Loans for Government Employees give collateral-free loans at attractive interest rates and quick sanctions for every financial need.

How to Apply for Personal Loan for Salaried Employees

1step

Visit Our Website or App

Go to Aditya Birla Capital’s official website.

2step

Check Eligibility

Use the online calculator to check your loan eligibility.

3step

Fill Out the Online Form

Enter your personal, employment, and financial details.

4step

Upload Required Documents

Submit scanned copies of the necessary documents.

5step

Verification & Approval

We will verify your application and notify you of approval.

6step

Disbursal

Upon approval, the loan amount is credited to your account within 24–48 hours.

Revision of Reference Rates for determining Interest Rates on loans given

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.

Tools

Financial Reports

ABC of Calculator

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

FAQs on Personal Loan for Salaried

Yes, women can avail of the Loan for Salaried provided they fulfil all the eligibility parameters specified for the loan.

No, there are no specific companies whose employees can get the Loan for Salaried. You can get a loan if you are employed in any company.

NRIs are not allowed to get a personal loan for salaried employees. The loan is available only for resident individuals.

The income proof establishes your repayment capacity and proves that you have a steady source of income. As such, it is mandatory for the Loan for Salaried.

Part prepayment means paying off a part of the outstanding loan amount in a lump sum over and above the EMI. This helps reduce the due amount and brings down the interest expense. With Aditya Birla Capital Loan for Salaried, you can make a part prepayment after 6 months.

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Disclaimer

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.