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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
1,740
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
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Read About Personal FinanceKnow all about loans and their management
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
Experience ConseQuest- A game where your decisions drive your future.
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Apply for ₹25 Lakh Personal Loan
If you need a ₹25 lakh loan for a significant expense, like remodeling your house, growing your business, your wedding, or college, Aditya Birla Capital's ₹25 lakh personal loan can be the solution.
With Aditya Birla Capital, applying for a personal loan of ₹25 lakhs is completely digital, and the loan is disbursed quickly. You can check your ₹25 lakh personal loan EMI online using our EMI calculator. You get a flexible repayment tenure so your EMIs fit your budget. The personal loan eligibility calculator also helps you to assess your eligibility before applying.
Aditya Birla Capital's ₹25 Lakh Personal Loan makes it easy to handle big financial obligations with peace of mind. With attractive interest rates starting from 10.99% p.a., and minimal documentation, the loan is affordable and easy to avail of.
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.
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Features and Benefits of ₹25 Lakh Personal Loan
High Loan Amount
A ₹25 lakh personal loan from Aditya Birla Capital gives you access to funds of up to ₹25 lakh, making it easy to handle big-ticket expenses like a home renovation, wedding, or business expansion in one go. This higher loan amount means you don't have to juggle multiple smaller loans to meet your financial goals.
Instant Approval
With a fully digital application process and minimal paperwork, your personal loan of ₹25 lakhs can be approved almost instantly. This makes an instant ₹25 lakh loan a reliable option when you need funds urgently, without the wait typically associated with traditional loans.
Flexible Repayment Tenure
Aditya Birla Capital lets you spread your repayments over a tenure of up to 5 years, so your EMIs stay manageable and budget-friendly. Simply use the EMI calculator to compare your ₹25 lakh personal loan EMI across different tenure options and pick the one that suits you best.
No Collateral Required
You can get a Personal Loan of ₹25 lakhs from Aditya Birla Capital without pledging any collateral. This makes the loan easily accessible.
Competitive Interest Rates
Affordable EMIs with attractive interest rates.
Easy Online Application
Apply digitally in just a few clicks.
Minimal Documentation
Submit only basic KYC and income proof.
Quick Disbursal
Funds are credited to your bank account within 24-48 hours.
Multi-Purpose Loan
Use the funds for education, travel, business, or emergencies.
Customised Repayment Options
Select a tenure that aligns with your financial goals.
₹25 Lakh Personal Loan Eligibility and Documents
Documents Required for ₹25 Lakh Personal Loan Online
For Salaried Individuals
- Identity Proof : Aadhaar Card, PAN Card, Passport.
- Address Proof : Utility bill, Driving license, Voter ID.
- Income Proof: Salary slips (last 3 months), Bank statements (last 6 months).
For Self-Employed Individuals
- KYC Document : Aadhaar Card, PAN Card, Passport.
- Income Proof: ITR (last 2 years), Business registration proof.
- Bank Statement: 6-month bank statement for income verification.
Eligibility Criteria for ₹25 Lakh Personal Loan Online
- Age : Applicants must be between 21 and 60 years old.
-
Income Requirement
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Salaried: Minimum monthly salary of ₹50,000.
- Self-Employed: Minimum annual turnover of ₹6 lakh.
- Employment Type : Salaried professionals, freelancers, business owners, and self-employed individuals with stable income.
- Credit Score : A credit score of 750+ is preferred for quicker approval and lower interest rates.
Types of Personal Loan in India
How to Apply for a ₹25 Lakh Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹25 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 ₹25 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 ₹25 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 ₹25 lakhs
Receive Funds
Once sanctioned, the ₹25 lakh loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹25 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. |
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.