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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
Loan Against PropertyTurn your assets into a financial ally
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
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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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
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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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Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
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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
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Financial and Debt-Related Policies
Business and Partnership Policies
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- ABCL List of active CLA Partners
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- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
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- Archival Policy
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
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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
What is a ₹60,000 Personal Loan?
A ₹60,000 personal loan is a convenient financing option designed to help you manage urgent expenses such as medical bills, home repairs, travel, or education costs. With instant approval, minimal documentation, and flexible repayment options, this loan provides quick access to funds, making it an ideal choice for short-term financial needs.
What's more, you don’t need to pledge collateral, and the application process is completely digital, ensuring a hassle-free borrowing experience.
Our Personal Finance Products
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.
Features and Benefits of
₹60,000 Personal Loan
Instant Approval
Enjoy quick processing with minimal formalities.
Flexible Repayment Tenure
Choose a repayment period between 12 to 60 months to suit your financial needs.
No Collateral Required
This is an unsecured loan, meaning you don’t need to pledge any assets.
Quick Disbursal
Funds are credited directly to your bank account once approved.
Competitive Interest Rates
Affordable EMIs designed to fit your budget.
100% Digital Process
Apply online from anywhere, anytime.
Multipurpose Usage
Use the loan for any personal financial need, including medical emergencies, education, or rent payments.
Transparent Processing
No hidden fees or surprise charges—everything is upfront.
Eligibility for ₹60,000 Personal Loan
Eligibility Criteria for a ₹60,000 Personal Loan
To qualify for a ₹60,000 personal loan, you must meet the following criteria:
-
Age Requirement
Minimum Age: 21 years
Maximum Age: 60 years -
Income Criteria
Salaried Individuals: Minimum monthly income of ₹15,000
Self-Employed Individuals: Minimum annual turnover of ₹2 lakh with at least 2 years of business continuity - Employment Type Available for salaried professionals, self-employed individuals, and freelancers.
- Credit Score Requirement A credit score of 700 or above increases approval chances and helps secure better loan terms.
Documents Required for a ₹60,000 Personal Loan
-
For Salaried Individuals
Identity Proof: Aadhaar Card, PAN Card, Passport
Address Proof: Voter ID, Utility Bill, Driving Licence
Income Proof: Salary slips for the last 3 months
Bank Statement: Last 3 months’ bank statements for financial verification -
For Self-Employed Individuals
KYC Documents: PAN Card, Aadhaar Card, Passport
Business Proof: GST certificate, Business registration proof
Income Proof: ITR for the last 2 years
Bank Statement: Last 3 months’ bank statements for financial verification
How to Apply for a ₹60,000 Personal Loan?
Apply Online
Visit the lender’s website and fill out the loan application form.
Upload Documents
Submit KYC, income proof, and other required documents digitally.
Quick Approval
Get a loan decision within minutes.
Receive Funds
Once approved, the ₹60,000 loan is credited directly to your bank account.
Fees and Charges for Personal Loans of ₹60,000
| 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
-
Comprehensive coverage
-
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.