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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
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Apply for ₹4 Lakh Personal Loan Online
A ₹4 lakh personal loan from Aditya Birla Capital gives you fast, hassle-free access to funds for all your major financial needs. You can get a multipurpose personal loan with a 100% digital application process for quick sanctions and disbursals.
Aditya Birla Capital offers pocket-friendly loans with interest rates starting from 10.99% p.a.. Coupled with a flexible repayment tenure, the loan becomes affordable for borrowers. You don’t have to pledge collateral or use a guarantor to apply for the loan. Personal loans from Aditya Birla Capital are collateral-free for easy accessibility. For anyone seeking a reliable ₹4 Lakh loan, Aditya Birla Capital combines speed, simplicity, and flexibility into a seamless experience.
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 ₹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.
Eligibility Criteria for ₹4 Lakh Loan
Eligibility Criteria for ₹4 Lakh Personal Loan Online
To qualify for a ₹4 lakh loan online, you must meet the following criteria:
- Age You should be between 21 and 60 years of age.
- 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.
Documents Required for ₹4 Lakh Personal Loan Online
Applying for a ₹4 lakh loan is straightforward and requires only a few essential documents:
- 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 Last 6 months’ bank statements showing salary credits.
- Photographs Recent passport-sized photographs.
Types of Personal Loan in India
How to Apply for ₹4 Lakh Personal Loan Online
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.
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. |
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.