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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 66,000 employees, the businesses of ABCL have a nationwide reach with over 1,742 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,742
No. of Employees
66,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 6 Lakh Cr
Consolidated Lending Book
INR 1.90 Lakh CrCorporate Governance Policies
- Policy for appointment of Statutory Auditors
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Personal Loan of ₹4 Lakhs
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
Apply for ₹4 Lakh Personal Loan Online
When you have substantial financial needs, a ₹4 lakh loan can help you achieve your goals. Whether it’s funding a large purchase, paying off debts, or managing a medical emergency, Aditya Birla Capital provides a quick and easy way to access a ₹4 lakh loan online. With minimal documentation, swift approval, and flexible repayment options, you can secure the financial support you need without hassle. Here’s everything you need to know about applying for a ₹4 lakh loan online.
Features of ₹4 Lakh Personal Loan
Instant Approval
Apply online and get approval for your ₹4 lakh loan in minutes. The online process is quick and hassle-free.
Quick Disbursal
Once approved, the loan amount will be credited directly to your account within 24-48 hours, so you can access the funds without delay.
Minimal Documentation
The application process requires only essential documents, making it easy to apply and get the loan approved.
Choose Repayment Tenure
Choose an EMI plan that suits your financial needs, ensuring that repayments are manageable and convenient.
Competitive Interest Rates
We offer attractive interest rates on your ₹4 lakh loan, making it affordable and easy to repay.
Collateral-free Loan
A ₹4 lakh loan is unsecured, which means you don’t have to pledge any assets or property to get the loan.
Transparent Process
There are no hidden fees or charges. The entire process is transparent, and you can be assured of no surprises.
Interest Rates Available for
Personal Loans of ₹4 Lakhs
Find out the interest payable on the Personal Loan of ₹4 Lakhs to plan your repayments effectively.
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 |
Eligibility Criteria for Personal Loans of ₹2 Lakh
Documents Required for ₹4 Lakh Personal Loan Online
- Identity Proof : A valid PAN Card, Aadhaar Card, Passport, or Voter ID.
- Address Proof : Utility bill, rental agreement, Aadhaar card, or passport.
- Income Proof: Latest salary slips (last 3 months).
- Bank Statements : The last 6 months of bank statements showing salary credits.
- Photographs: Recent passport-sized photographs.
Eligibility Criteria for ₹4 Lakh Personal Loan Online
- Age : 21 to 60 years
- Employment Type : You must be a salaried individual working in a recognised private, public, or multinational company.
- Income : A steady monthly income that meets the lender’s requirements is necessary.
- Credit Score : A credit score of 700 or above is ideal for quicker approval and better interest rates
- Work Experience : You should have a minimum of 1 year of total work experience, with at least 6 months at your current employer.
Reasons To Get a Personal Loan of ₹4 Lakhs from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure a Personal Loan of ₹4 Lakhs. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments. This makes the ₹4 Lakhs Personal Loan pocket-friendly.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Quick Sanctions
Get the funds transferred to your account within 24 hours of applying for the loan.
Facility to add a co-applicant
Adding a co-applicant to the ₹4 Lakhs Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
How to Apply for ₹4 Lakh Personal Loan Online
Visit the Aditya Birla Capital Website or App
Start by visiting the official Aditya Birla Capital website or downloading the app.
Check Your Eligibility
Use our online eligibility calculator to check whether you qualify for the loan.
Complete the Online Application Form
Fill in the online form with your personal, employment, and income details.
Upload the Required Documents
Submit scanned copies of your identity proof, address proof, income proof, and other necessary documents.
Loan Verification & Approval
Once your documents are verified, your ₹4 lakh loan will be approved quickly.
Instant Disbursal
After approval, the loan amount will be credited to your bank account within 24-48 hours.
Get A Personal Loan of ₹4 Lakhs In 5 Easy Steps
Who Can Apply For a Personal Loan of ₹4 Lakhs?
Find out if you are eligible to apply for a ₹4 Lakhs Personal Loan
Salaried
Self-employed Professional
Self-employed Non - Professional
Eligibility Criteria for Personal Loans of ₹4 Lakhs
Are you eligible for a ₹4 Lakhs Personal Loan? Check whether you meet the criteria.
Documents Needed
- Proof of identity and address Passport / Aadhaar Card/ Voter's ID / Driving License/ Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
- Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
- Bank statement where income is credited Last 6 months
- Proof of other income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
Revision of Reference Rates for determining Interest Rates on loans given
ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.
Fees and Charges for Personal Loans of ₹4 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. |
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
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.
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Range of loan options for different needs
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Range of loan options for different needs
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Quick sanctions and disbursals
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Scan the QR code to download our Mobile App
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.
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
FAQs on Personal Loans of ₹4 Lakhs
The interest rate depends on your credit score and other eligibility parameters. If you opt for a shorter tenure, the interest outgo will be lower, but the rate will remain the same.
You can use a co-signor to increase your chances of approval for a Personal Loan of ₹4 Lakhs.
Even with existing credit card debts and loans, you can get a Personal Loan approved. However, the loan amount might be affected, and you might get a lower amount.
Yes, you can consolidate multiple Personal Loans. In fact, consolidating your loans would help in reducing the interest outgo and make managing your debts easier.
You cannot get a ₹4 Lakhs Personal Loan without documents. Documentation is an important step in loan sanction.
Repay the pending EMI as soon as possible. In future, try and maintain the loan repayment without defaults to avoid degrading your credit score.