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There is no need to pledge any asset to secure an urgent Personal Loan. The funds are sanctioned based on your eligibility parameters—that’s all!
Choose a repayment tenure of up to 84 months to ensure affordable EMIs for easy repayments. This makes the urgent Personal Loan pocket-friendly.
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Get the funds transferred to your account within 24 hours of applying for the loan.
Adding a co-applicant to the Instant Personal Loan can increase your eligibility. You can also get a higher loan amount to meet different needs.
Find out the interest payable on the urgent Personal Loan to plan your repayments effectively.
Find out if you are eligible to apply for an Instant Personal Loan
Are you eligible for an urgent Personal Loan? Check whether you meet the criteria.
* A higher age limit is applicable at the time of loan maturity.
Charge Type | Amount |
---|---|
Processing fees | Up to 4% of the loan sanctioned amount |
Cheque Return charges | ₹1000 + GST per instance |
Penal charges (charges levied for non-payment of overdue amount) | 3% p.m. (36% p.a.) on the overdue amount for the delayed period |
Penal charges for non-compliance with material terms and conditions (covenants / stipulated conditions) mentioned in the Sanction Letter / Loan Agreement, wherever applicable | 2% p.a. on the outstanding loan amount till the date of compliance |
Charges for cancellation of Loan |
4% of loan amount disbursed + applicable taxes |
CIBIL report retrieval fees | Rs. 50 per instance for Consumer and Rs. 500 per instance for commercial CIBIL/Credit Report |
Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
Loan re – schedule 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 |
Duplicate No Due Certificate issuance charges | Rs. 500 per instance |
Foreclosure Charges |
For Term Loan:
Upto 4% of the principal outstanding amount For Flexi Loan: Upto 4% of the total withdrawable amount Conditions: Foreclosure is allowed only after 12 months from the date of disbursal of loan. |
Part Pre-payment charges |
For Term Loan:
a) NIL charges – if part pre-payment is equal to 20% of principal outstanding amount b) Upto 4% on remaining loan amount – if part pre-payment is greater than 20% of principal outstanding amount Conditions: a) No pre-payment is allowed in first 12 months from the date of disbursement b) Part pre-payment amount should be equal to OR greater than total of 3 EMIs For Flexi Loan: a) No charges for payments through mobile app/portal. b) Part pre-payment of loan facility toward limit reduction is not available |
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The things to look for when applying for an Instant Personal Loan are as follows -
• The loan amount that you need
• The repayment tenure over which you can comfortably pay off the loan
• The EMI which would be affordable
• The associated interest rates and charges
You can check your eligibility through the online eligibility calculator. The calculator helps you assess your eligibility for the loan and how much loan quantum you can get.
The disbursal of the Instant Personal Loan is quick and hassle-free. With Aditya Birla Capital, you can get the loan within a few hours of application.
The loan amount depends on your financial needs and eligibility. First, assess how much funds you need for your obligations. Then, check your savings and apply for a loan that fulfils the shortfall.
Also, use the eligibility calculator to determine the maximum loan amount you are eligible for.
Yes, you can get a top-up loan after you have availed of an Instant Personal Loan. The top-up loan is a supplemental source of funds on the existing loan and can help you fulfil additional financial needs.