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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
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.
Loan for Self-EmployedLoan for Self-employed. Get quick funds without collaterals and a flexible repayment tenure for affordable EMIs.
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business with competitive rates & flexible terms
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
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Machinery LoanEmpower your ambitions with customized Machinery Loans
Rooftop Solar LoanMaximize Your ROI with Strategic Energy Funding
Loan for EngineersNeed quick funds for your financial needs?
Loan for Self-employedShop to your heart’s content with Aditya Birla Capital’s Loan for Self-employed.
Loan for DoctorsNeed funds for your personal or business-related needs?
Loan for Government EmployeesSimple financing for government employees.
Loan for CANeed quick funds with simple documentation?
Loan for SalariedWaiting for your salary to be credited to meet your financial needs?
Loan for TeachersNeed quick funds without collateral security?
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
Loan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns- Liquidity
- Diversification
- Ownership in a company
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Health & Wellness PlansMake quality health care affordable and accessible
Super Top-up PlansGet extra coverage when you need it most
Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
Health Saver CardThe Health Saver Card helps reduce expenses while keeping you healthier
Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya Birla Capital Limited (‘ABCL’) is a listed systemically important, Upper Layer Non-Deposit taking Non-Banking Financial Company (NBFC-ICC) and the holding company of the financial services businesses. ABCL and its subsidiaries/JVs provide 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
- 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
- Active Service Providers List
- 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
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
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
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
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 ₹4 Lakh Personal Loan Online
Our Personal Finance Products
Spread repayments over an extended tenure to keep EMIs affordable and predictable. A practical choice for funding larger expenses without straining your monthly budget.
Get funds disbursed quickly with minimal documentation — ideal for urgent expenses when you can't afford to wait. Apply online and receive a decision in minutes, with disbursal soon after approval.
Borrow only what you need, when you need it, from a pre-approved limit. Pay interest only on the amount utilised — not the full sanctioned sum — for a more cost-efficient way to manage cash flow.
Combine multiple high-interest debts, like credit card dues, into a single Personal Loan with one manageable EMI. Simplify your repayments and lower your overall interest cost in the process.
A quick-repayment option for smaller, immediate needs, with tenures designed to help you clear the loan faster. Shorter tenures mean a lower total interest outgo over the life of the loan.
Features and Benefits of ₹4 Lakh Personal Loan
Instant Approval
You can use the personal loan eligibility calculator and then apply for a ₹4 lakh personal loan online to receive instant approval within minutes through Aditya Birla Capital's fully digital process. This quick, hassle-free approach makes it one of the fastest ways to secure a personal loan of ₹4 lakh without lengthy waiting periods.
Quick Disbursal
Once approved, your ₹4 lakh instant loan is disbursed directly to your bank account within hours, ensuring you have funds exactly when you need them. This swift disbursal process is ideal for urgent expenses like medical emergencies or unplanned financial needs.
Minimal Documentation
Get a loan for ₹4 lakhs with simple, paperless documentation, just basic KYC, income, and identity proof are required. This streamlined process saves time and effort, making it easier for both salaried and self-employed applicants to qualify.
Flexible Repayment Tenure
Choose a repayment tenure that suits your financial capability when opting for a ₹4 lakh personal loan, balancing your EMI amount with the total interest payable. This flexibility ensures that your ₹4 lakh personal loan repayment remains manageable and aligned with your monthly budget.
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.
₹4 Lakh Personal Loan Eligibility and Documents
Eligibility Criteria for Personal Loans of ₹4 Lakh
To qualify for a personal loan of ₹4 lakh, you need to meet the following criteria:
- Nationality: Person has to be an Indian citizen
- Minimum Age: The individual needs to be 21 or 23 years of age (depending on the loan type).
- Credit Score: The credit score has to be above 700
Documents Required for Personal Loans of ₹4 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.
Types of Personal Loan in India
How to Apply for a ₹4 Lakh Personal Loan?
Check Eligibility
Check if you meet the eligibility criteria for a ₹4 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 ₹4 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 ₹4 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 ₹4 lakhs.
Receive Funds
Once sanctioned, the ₹4 lakhs loan amount is credited directly to your bank account.
Customer Satisfaction Stories
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Explore All Personal Loan Options
Find the right personal loan for every financial needInstant 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.