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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
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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
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Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
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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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Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
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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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Active One Max PlansA comprehensive Health Insurance plan for all your healthcare needs
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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 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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- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
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- Press Releases
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- ABCL List of active CLA Partners
- List of Third parties
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- ABCL Collection and Recovery Agency List
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- Importance of Following Repayment Schedule
- Scheme of Amalgamation
- SEBI Disclosures
- Interest Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
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Health Insurance
Mutual Fund
Home Finance
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Stocks & Securities
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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
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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 Shopping Loan?
A Shopping Loan is a personal loan for shopping that provides funds for all your needs. You can avail yourself of a Shopping Loan to buy whatever you need: home appliances, gadgets, apparel, or other lifestyle items.
A Shopping Loan from Aditya Birla Capital offers an optimal loan amount, easy eligibility, an online application process, and a flexible repayment tenure. You don’t have to pledge collateral to avail of the loan, which makes it easy to access. A Shopping Loan is a suitable choice for planned purchases as well as unexpected buying needs, allowing you to enjoy your purchase immediately while repaying the loan over a tenure that suits your budget.
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 and Benefits of Shopping Loan
Instant Loan Approval
Get immediate approval for your Shopping Loan so that you can make your purchase without being slowed down by the process. The quicker processing makes shopping easy for you.
Flexible Repayment Options
Select a loan tenure plan that suits your financial ability. Flexible EMIs will enable you to manage your finances better without additional pressure.
No Collateral Required
Apply for a Shopping Loan without offering any of your assets as collateral. This makes borrowing an easy task for eligible customers.
Covers All Shopping Expenses
Borrow money for a variety of goods, such as electronics, home appliances, furniture, gadgets, and other lifestyle items. Borrow for the products that matter to you.
Attractive Interest Rates
Benefit from competitive interest rates that help keep your borrowing costs affordable. Lower interest means more value from your loan.
High Loan Amounts Available
Access to higher loan amounts based on your ability and financial status. You will be able to borrow money to pay for everyday purchases and expensive purchases.
Easy Online Application
Apply for a Shopping Loan anytime with an easy online process. Assess your eligibility using the personal loan eligibility calculator and apply instantly.
Shopping Loan Eligibility and Documents
Eligibility Criteria for Shopping Loan
- Age Requirement Applicants must be between 21 and 60 years of age.
- Citizenship Must be an Indian citizen.
- Credit Score A minimum CIBIL score of 750 is required.
- Employment Status Both salaried and self-employed individuals can apply.
- Minimum Monthly Income ₹25,000 for salaried individuals and ₹30,000 for self-employed individuals.
Documents Required for Shopping Loan
- Identity Proof Aadhaar Card, PAN Card, Passport, or Voter ID.
- Address Proof Utility bills, rental agreement, or Passport.
- Income Proof Salary slips (last 3 months), ITR (last 2 years for self-employed), or bank statements.
- Purchase Details Invoice, order confirmation, or quotation.
Types of Personal Loan in India
How to Apply for a Shopping Loan
Check Your Eligibility
To apply for an online shopping loan, visit the Aditya Birla Capital website or use the Aditya Birla Capital App to check your eligibility for a Shopping Loan. Use the personal loan eligibility calculator to review the loan amount you may qualify for based on your income and repayment capacity.
Complete the Online Application
Fill out the Shopping Loan application form by providing accurate personal, employment, and financial details on the Aditya Birla Capital website or app.
Upload the Required Documents
Submit the necessary personal loan documents, including identity proof, address proof, income proof, bank statements, etc. for verification.
Verification and Loan Approval
The Aditya Birla Capital team verifies your application details and supporting documents. Once the verification process is complete and you meet the eligibility criteria, your loan application is approved.
Receive Instant Loan Disbursal
After approval, the shopping loan amount is disbursed directly to your registered bank account, helping you carry out your shopping as planned.
Receive Loan Disbursal
Get the loan amount directly into your bank account within 24 hours of approval.
Fees and Charges for Wedding Loans
| 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
*The interest rate constitute the rack rate for all customers. Actual interest rate for any customer and will be as communicated at the time of loan sanction and disbursal. It will be subject to changes from time to time and is at sole discretion of ABHFL.
**ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.