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Home LoanFind customised home loan solutions for your unique needs
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Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
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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
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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
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
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Calculate wealth creation through lumpsum investment in Mutual Funds
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Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns- Liquidity
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Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
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Find out how much life insurance you need with our Human Life calculator
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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit 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 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 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
- 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
- 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
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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 ₹5 Lakh Personal Loan
A ₹5 Lakh Personal Loan from Aditya Birla Capital is designed to provide the necessary financial support for certain situations, such as a wedding that has been on your mind, a home renovation that demands immediate attention, a medical emergency, or the consolidation of multiple debts into a single, manageable payment. No collateral or guarantor is required, and you can apply with minimal documentation. You can use the personal loan eligibility calculator to check your eligibility before applying. The entire application process happens online, letting you complete it in a matter of minutes from wherever you are.
Aditya Birla Capital backs this convenience with interest rates starting from 10.99% per annum and repayment tenures flexible enough to match your monthly budget, so a large loan doesn't have to mean a large burden. Approval is quick, and once confirmed, the funds are disbursed swiftly, straight to your bank account, ready for you to use exactly when needed.
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 a Personal Loan for ₹5 Lakh
Instant Approval Process
Apply for a ₹5 lakh personal loan online and get instant eligibility checks along with quick approval, all within a few minutes. This fast, fully digital process makes securing a personal loan of ₹5 lakh simple and hassle-free.
Swift Fund Transfer
Once approved, your ₹5 lakh instant loan is transferred directly to your bank account without delays, ensuring you have funds when you need them most. This swift disbursal is ideal for urgent expenses like medical emergencies or time-sensitive payments.
No Need for Collatera
Access a loan for ₹5 lakhs without pledging any assets or property, making it a completely unsecured borrowing option. This collateral-free approach simplifies the process and makes the loan accessible to both salaried and self-employed individuals.
Tailored Repayment Plans
Choose a repayment plan that suits your financial situation when opting for a ₹5 lakh personal loan, balancing your EMI against the total interest payable. This flexibility ensures that your ₹5 lakh personal loan remains manageable within your monthly budget.
Competitive Interest Rates
Enjoy affordable EMIs with attractive interest rates based on your creditworthiness.
Transparent Loan Terms
With Aditya Birla Capital, there are no hidden fees—just a simple and transparent process.
₹5 Lakh Personal Loan Eligibility and Documents
Eligibility Criteria for a Personal Loan Worth ₹5 Lakh
- Age Requirement Applicants must be between 21 and 60 years old.
- Employment Type Both salaried professionals and self-employed individuals can apply.
- Income Stability A steady and verifiable income is required to be eligible for a loan of ₹5 lakh.
- Credit Score Consideration A credit score of 700 or above increases your chances of approval and may help you secure a lower interest rate.
- Work Experience Criteria Salaried individuals should have at least 1 year of total work experience, with a minimum of 6 months in their current job.
Documents Required for a ₹5 Lakh Personal Loan Personal Loan
- Identity Proof Aadhaar Card, PAN Card, Passport, or Voter ID.
- Residential Proof Utility bills, rental agreements, or Passport.
- Income Verification Latest salary slips (for salaried applicants) or Income Tax Returns (for self-employed applicants).
- Bank Transaction History Bank statements from the last 6 months to assess income and repayment capability.
- Recent Photographs Passport-sized photographs required for verification.
Types of Personal Loan in India
How to Apply for a ₹5 Lakh Personal Loan Online?
Check Eligibility
Check if you meet the eligibility criteria for a ₹50,000 personal loan, including age, income, and credit score requirements.
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 ₹5 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 ₹5 lakhs.
Receive Funds
Once sanctioned, the ₹5 lakhs loan amount is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹5 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.