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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
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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.
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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
- 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
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Financial and Debt-Related Policies
Business and Partnership Policies
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Read About LoansMoney management made easy
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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
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Personal Loan Eligibility Calculator Calculate the Personal Loan amount you are eligible for
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- Wisdom in Choices
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Apply for ₹3 Lakh Personal Loan
Big expenses need dependable solutions, and a ₹3 Lakh Personal Loan from Aditya Birla Capital is built to deliver just that. Both salaried and self-employed individuals can check their eligibility in seconds using Aditya Birla Capital’s simple personal loan eligibility calculator. This makes the entire process much easier, as it gives you an idea of how much loan you qualify for. You can get the ₹3 lakh Personal Loan and fund any financial need without restrictions.
With interest rates starting from 10.99% per annum and with flexible repayment tenures, you get to choose EMIs that genuinely fit your monthly budget. The application itself is 100% digital, so you can apply from anywhere in just a few minutes and receive instant approval, with funds credited directly to your account soon after. You do not need collateral or a guarantor, which means the entire process of getting a loan approved is a lot easier.
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.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get quick access to funds to meet your urgent needs
Features of ₹3 Lakh Personal Loan
Flexible Repayment Tenure
Select a repayment tenure that fits your monthly budget and financial goals, with options ranging from short-term to extended plans. This flexibility lets you balance your EMI amount against the total interest paid, ensuring the ₹3 Lakh Personal Loan stays affordable and stress-free throughout your repayment journey.
Quick Approval and Disbursal
Get instant approval on your personal loan application through ABCD's fully digital process, with minimal documentation required. Once approved, funds are disbursed directly to your bank account within hours, making it ideal for urgent financial needs like medical emergencies or unplanned expenses.
No Collateral Required
Access a ₹3 Lakh Personal Loan without pledging any assets, property, or security, making it a truly unsecured borrowing option. This collateral-free approach simplifies the application process and makes the loan accessible to both salaried and self-employed individuals with a stable income.
Attractive Interest Rates
Enjoy competitive interest rates tailored to your credit profile
100% Digital Process
Apply, submit documents, and track your loan status online with ease.
₹3 Lakh Personal Loan Eligibility and Documents
Eligibility Criteria for ₹3 Lakh Personal Loan
- Age 21 to 60 years.
- Employment Type Salaried or self-employed individuals.
- Credit Score A good credit score (generally 700 or above is recommended).
- Work Experience Minimum 1 year for salaried individuals; at least 2 years of business continuity for self-employed individuals.
Documents Required for ₹3 Lakh Personal Loan
- Identity Proof Aadhaar Card, PAN Card, Voter ID, or Passport.
- Address Proof Utility bill, Rental Agreement, or Passport.
- Income Proof Salary slips (for salaried individuals) or bank statements from the last 6 months.
- Employment Proof Offer letter or Employee ID (for salaried individuals); GST certificate (for self-employed individuals).
Types of Personal Loan in India
How to Apply for a ₹3 Lakh Personal Loan
Check Eligibility
Check if you meet the eligibility criteria for a ₹3 lakh personal loan, including age, income, and credit score requirements.
Apply Online
Visit Aditya Birla Capital’s website or app and fill out the online application form to apply for an instant personal loan of ₹3 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 ₹3 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 ₹3 lakhs.
Receive Funds
Once sanctioned, the ₹3 lakh loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹3 Lakh
| 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.