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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
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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 Demand 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
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
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
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
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
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
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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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 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 61,600 employees, the businesses of ABCL have a nationwide reach with over 1,690 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,690
No. of Employees
61,600+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.53 Lakh Cr
Consolidated Lending Book
INR 1.65 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
- Our Digital Referral Partners
- ABCL Collection and Recovery Agency List
- ABFL 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
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
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow 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
Experience ConseQuest- A game where your decisions drive your future.
Personal Finance
Realize all your dreams today!
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- Register yourself
- Provide minimal basic documentation
- Get loan disbursal in no time
What do we offer?
ABCL offers comprehensive solutions for all your business requirements. Our Corporate Finance help business owners scale up operations or acquire new processes for optimal functioning and profitability. In addition, our Corporate Finance facility is an excellent solution applicable to both short-term (managing assets and existing liabilities) and long-term (capital purchases and future investments) financial issues.
Project Finance
It focuses on opportunities in the infrastructure, core and manufacturing sectors and offers comprehensive solutions for medium-sized projects, and partners with other infrastructure finance institutions for larger projects.
Structured Finance
We provide customized and innovative solutions for long-term working capital requirements, bridge loans, acquisition financing and equity investment needs.
Working Capital
We provide working capital solutions tailored to the short-term business needs of companies whose current operating costs exceed their monthly revenues.
Term Loan
Our Corporate Term Loans can help companies expand operations, acquire equipment and manpower, upgrade existing processes, etc. to enhance business productivity.
DCM
The DCM business aims to provide solutions by leveraging its knowledge and insight of the debt capital markets in India. These are coupled with robust distribution and structuring capabilities.
Loan Syndication
ABFL gives you the opportunity to put your money to work in the primary market, thereby increasing the allotment amount manifold. IPO financing bridges the gap between the funds required and the resources available at a predetermined margin.
ABFL gives you the opportunity to put your money to work in the primary market, thereby increasing the allotment amount manifold. IPO financing bridges the gap between the funds required and the resources available at a predetermined margin.
Things To know
Home Finance Private Limited Eligibility Criteria
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Employment Type: Salaried or Self-employed
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Nationality: Indian citizen
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Minimum age for applying: 21 years
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Maximum age at loan maturity:
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Salaried - 60 years
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Self-employed - 70 years
Who should buy a Savings Plan?
For Salaried Individuals
- Proof of identity and address: Passport, voter ID card, driving licence, job card issued by NREGA, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
- Proof of income: Latest 3 months' salary slip showing all deductions and Form 16.
- Bank statement where salary or income is credited: Latest 6 months.
- Proof of other income: Rental receipts or documents showing receipt of income.
- Property documents: Copy of title documents and approved sanction plan.
For Self-employed / Professional / Partnership / Company
- Proof of identity and address: Passport, voter ID card, driving licence, Aadhaar card, registration certificate, PAN card (PAN card only as identity proof), or any other document acceptable to ABHFL.
- Proof of income: IT returns or financial documents for the last 2 years and income computation certified by a chartered accountant for the last 2 years.
- Bank statement where income is credited: Latest 6 months.
- Proof of other income: Rental receipts or documents showing receipt of income.
- Property documents: Copy of title documents and approved sanction plan.
ABHFL may request additional documents to process your home finance.
need more information?
Do you have questions?
Call 1800 270 7000 or write us at care.finance@adityabirlacapital.com.
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ABCD Of Money
Frequently Asked Questions
You can apply for a Personal Loan to buy a TV if you meet the eligibility parameters specified for the loan and submit the relevant documents.
A Personal Loan and a credit card can allow you credit to buy a TV on loan. However, a Personal Loan can be a better alternative because of the following reasons -
• It can offer a higher loan amount than credit cards
• The interest rate is lower
• You can get a longer repayment tenure for affordable EMIs
The loan amount depends on your eligibility qualifications. Use the loan eligibility calculator to find out how much you can borrow with a Personal Loan for a TV.
You can use the Personal Loan for any other expense related to your TV purchase. The loan is multipurpose and does not restrict how you use it.
Before applying for a Personal Loan for a TV, consider the following things -
• The loan amount that you need - borrow only what you need
• The interest rate - the lower, the better
• The repayment tenure - ensure that it offers the most affordable EMI
• Other charges associated with the loan - the lower the better
The Personal Loan for a TV can be used to buy a second-hand or refurbished TV, as there is no restriction on how the loan is used.
You can use the loan EMI calculator to find the right amount of EMI for the loan. The calculator is free and can be used multiple times till you get the right EMI.
You can transfer your loan to another lender through the balance transfer process. It can help you get a lower interest rate on the loan.
You can use a Personal Loan for a TV to buy other electronics, too, as it is a multipurpose loan.
Nothing will happen to the loan even if you have returned the TV. The loan repayment will continue undisturbed. If you have surplus funds after returning the TV, you can even prepay or foreclose the loan if allowed.
You can get a Personal Loan to buy a TV. A Personal Loan is a multipurpose loan that can be used for any financial need. So, if you want to buy a TV, you can apply for the loan and get the funds quickly.
The interest rate depends on your eligibility parameters and the lender’s pricing policies. Aditya Birla Capital offers Personal Loans for a TV based on its Short-Term and Long-Term Reference Rates, which range from 19.45% p.a. to 20.45% p.a.
Yes, women can avail of the Loan for Salaried provided they fulfil all the eligibility parameters specified for the loan.
No, there are no specific companies whose employees can get the Loan for Salaried. You can get a loan if you are employed in any company.
NRIs are not allowed to get a personal loan for salaried employees. The loan is available only for resident individuals.
The income proof establishes your repayment capacity and proves that you have a steady source of income. As such, it is mandatory for the Loan for Salaried.
Part prepayment means paying off a part of the outstanding loan amount in a lump sum over and above the EMI. This helps reduce the due amount and brings down the interest expense. With Aditya Birla Capital Loan for Salaried, you can make a part prepayment after 6 months.
You can take a Personal Loan for Salaried for a maximum tenure of 84 months.
Some of the benefits of a Personal Loan for Salaried are as follows -
• You can get an instant loan
• The loan can be used for any financial need
• No collateral security is required
• The repayment tenure is flexible, allowing you affordable repayments
• You can get the loan online in some simple steps
The loan amount depends on your eligibility qualifications. Aditya Birla Capital offers an online eligibility calculator that you can use to check the loan amount that you can get as a salaried employee.
With Aditya Birla Capital, the Personal Loan for Salaried is processed and sanctioned within a short period of time.
When applying for the Personal Loan for Salaried Employees, you have to pay a processing fee, a one-time, non-refundable fee for processing your loan application.
By taking out a Personal Loan for a Laptop, you can buy a laptop from any brand. The loan does not dictate the laptop brand or how the funds can be used.
You can return the laptop after purchasing it; the loan will not be affected. You have to continue repaying the loan over the repayment tenure.
Insurance is not necessary when taking a Personal Loan for a Laptop. You can buy it if needed voluntarily.
You can apply for a Personal Loan for a Laptop online of offline. For online access, visit Aditya Birla Capital’s website or download the mobile application on your Smartphone and apply for the loan. For the offline mode, locate and visit the nearest branch and make your application.
Aditya Birla Capital processes the Personal Loan for a Laptop quickly if your application is correct and all the relevant documents are submitted. You can get the loan within hours.
If students qualify on the eligibility parameters and have a steady source of income, they can apply for the loan. If not, their parents can apply for a Personal Loan for a Laptop on their behalf.
Aditya Birla Capital allows a maximum loan tenure of 84 months under the Personal Loan for a Laptop.
You can use the Personal Loan for a Laptop to buy insurance or an additional warranty for the laptop. It is a multipurpose loan that does not restrict the usage of funds.
Yes, a Personal Loan can help you buy a laptop for your business as it is a multipurpose loan.
No down payment will be required to get a Personal Loan for a Laptop. You can apply for the loan and get the funds to buy the laptop easily.
You can get a loan for buying a laptop. Personal Loans are available and offer multipurpose funds for your financial needs.
The interest on the Laptop Loan depends on your eligibility parameters, credit score and the lender’s interest rate policy. With Aditya Birla Capital, Laptop Loans are issued based on Short-Term and Long-Term Reference Rates, which range from 19.45% p.a. to 20.45% p.a.
If you need more than a pre-approved Personal Loan of ₹10,000, you can check your eligibility and apply. If you are eligible for a higher loan amount, the loan will be sanctioned, and you can get more funds.
A ₹10,000 Personal Loan can be used for any financial need, both personal or commercial. Some purposes for which the loan can be used include the following -
• Medical emergencies
• Weddings
• Trips
• Business need
• Buying appliances
• Buying gadgets, etc.
The maximum tenure of a ₹10,000 Personal Loan is 84 months.
You need a minimum credit score of 750 and above to apply for a ₹10,000 Personal Loan from Aditya Birla Capital.
Yes, self-employed individuals can apply for a ₹10,000 Personal Loan if they meet the other eligibility parameters specified for the loan.
Aditya Birla Capital processes small Personal Loans quickly and sanctions the funds as soon as possible. You can get approval on the loan within hours.
Aditya Birla Capital does not specify a minimum salary to apply for the Personal Loan. You should have a steady source of income to qualify for the loan. So, if you meet the eligibility parameters and have a steady source of income, you can get the loan even if your salary is ₹10,000.
Yes, you can pay off the ₹10,000 Personal Loan early before the tenure of the loan. However, you can do so only once in the first year and only after the first 12 months of availing of the loan. Further, early repayment of a loan involves prepayment or foreclosure charges, which you should know about.
If you have credit card debt or existing loans, your loan application may be affected, as these will limit the maximum loan amount you can obtain.
You can contact the customer support of Aditya Birla Capital by calling 1800 270 7000 for questions regarding ₹10,000 Personal Loan. You can also leave your query online on the website or mobile app and a company’s executive will get in touch with you.
Yes, you can add a co-applicant to the loan. Adding a co-applicant increases your eligibility, and you may get a higher loan amount.
A high credit score can make you eligible for a discount on the interest rate because lenders usually charge lower interest rates if the borrowers have a high credit score.
The EMI of a ₹10,000 Personal Loan would depend on the interest rate charged and your repayment tenure. You can use the online EMI calculator to find the potential EMI of the loan.
Your income proof or Salary Slip is needed to establish the source of income and repayment capacity. Thus, you need these documents to get the Personal Loan of ₹10,000.
The loan process does not take long. Aditya Birla Capital processes and sanctions the funds quickly so that you can even meet your urgent needs without hassles.