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Home LoanFind customised home loan solutions for your unique needs
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Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
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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.
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Are you eligible for a Personal Loan? Find out now!
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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
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Unsecured Business LoanFuel your business with fast approval & flexible terms
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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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Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns- Liquidity
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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
- 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
- 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
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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
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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
Apply for ₹10 Lakh Personal Loan
When you need significant funding to expand a business, renovate your home, finance a wedding, or manage a medical emergency, a ₹10 Lakh Personal Loan from Aditya Birla Capital can be a good choice. There's no collateral or guarantor required, so you can borrow the amount while keeping your assets completely secure. Interest rates start from 10.99% per annum, and you can get flexible repayment tenures to choose EMIs that comfortably fit your monthly budget.
Before you apply for a
personal loan
from Aditya Birla Capital, you can use the EMI calculator to estimate your monthly outgo. The personal loan eligibility calculator helps you get a clear picture of how much you qualify for. Once approved, funds are disbursed quickly and credited directly to your bank account, letting you address major expenses without delay. If you have a major financial milestone to meet, this ₹10 lakh loan from Aditya Birla Capital can provide the scale, speed, and flexibility to make it manageable.
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.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Features of ₹10 Lakh Personal Loan
High Loan Amount
Avail a ₹10 lakh personal loan to cover major expenses like home renovation, business expansion, or wedding costs, all without pledging any collateral. This high loan amount makes it easy to fund significant life events through a single personal loan of ₹10 lakh.
Flexible Repayment Tenure
Choose a repayment tenure that suits your financial capability when opting for a ₹10 lakh loan, balancing your EMI against the total interest payable. This flexibility ensures your ₹10 lakh personal loan EMI stays manageable and aligned with your monthly budget.
Instant Approval
Apply for a personal loan upto ₹10 lakh online and get instant approval within minutes through Aditya Birla Capital's fully digital process. This quick, hassle-free approach makes securing a loan for ₹10 lakhs simple, without long waiting periods.
No Collateral Required
Access a ₹10 lakh personal loan without pledging any assets or property, making it a completely unsecured borrowing option. This collateral-free approach simplifies the process and makes the loan accessible to both salaried and self-employed individuals.
Competitive Interest Rates
Affordable EMIs with attractive interest rates.
Quick Disbursal
Receive the loan amount within 24 hours after approval.
Fully Digital Process
Apply online with a seamless, paperless experience.
No Hidden Charges
Transparent fees and minimal additional costs.
Prepayment Option
Repay early to reduce your interest burden.
₹10 Lakh Personal Loan Eligibility and Documents
Documents Required for Personal Loans of ₹10 Lakh
Applicants need to submit the following documents:- Proof of Identity and Address: Aadhaar Card, PAN Card (as ID proof), Passport, Voter ID, Driving Licence.
- Proof of Income: Salary slip for the last 3 months, Form 16.
- Bank Statements: Last 6 months where salary/income is credited.
Eligibility Criteria for Personal Loans of ₹10 Lakh
To qualify for a personal loan of ₹10 lakh, you need to meet the following criteria:
- Nationality: Person has to be an Indian citizen.
-
Minimum Age: The individual needs to be 21 years of age.
-
Credit Score: The credit score has to be above 750
- Employment: Salaried, Self-employed professional, or Self-employed non-professional.
Types of Personal Loan in India
How to Apply for a ₹10 Lakh Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹10 lakh personal loan, including age, income, and credit score requirements.
Apply Online
Visit the Aditya Birla Capital website or app and fill out the online application form to apply for an instant personal loan of ₹10 lakhs.
Upload Documents
Submit your KYC, income proof, and other required personal loan documents digitally to complete the verification process.
Quick Approval
Get a decision on your instant loan of ₹10 lakhs within minutes, thanks to a fast and hassle-free approval process.
Loan Sanction
Once approved, review and accept the loan terms, including interest rate, tenure, and EMI details for your personal loan of ₹10 lakhs.
Receive Funds
Once sanctioned, the ₹10 lakhs loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹10 Lakhs
| 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. |
Interest Rates Available for Personal Loans of ₹10 Lakhs
Loans up to 12 months
| Loan Type | Interest |
|---|---|
| The Short Term Reference Rate (STRR) | 19.45% p.a. w.e.f.from March 1, 2024 |
Loans more than 12 months
| Loan Type | Interest |
|---|---|
| The Long Term Reference Rate (LTRR) | 20.45% p.a. w.e.f. from March 1, 2024 |
Who Can Apply For a Personal Loan of ₹10 Lakhs?
Find out if you are eligible to apply for a ₹10 Lakhs Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Different financial needs, different loans, one app - ABCD
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
-
Range of loan options for different needs -
Range of loan options for different needs
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Quick sanctions and disbursals
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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
-
Reduced Interest Rates
-
Lower Monthly Payments
Top-Up
-
Comprehensive coverage
-
Affordable with low premiums
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.