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TV on EMI

Buy the latest TV without worrying about the underlying costs. Get a Personal Loan for TV from Aditya Birla Capital and upgrade your entertainment experience.

Attractive interest rates
Easy & flexible repayment options
Easy application process with quick sanctions

Step 1

Step 2

Step 3

Finish

165+

YEARS OF EXCELLENCE

3.8+ Cr.

ACTIVE CUSTOMER BASE

1300+

BRANCHES ACROSS INDIA

₹3.9 Lakh Cr.

AUM AS OF JUNE, 2023

Reasons To Get a Personal Loan for TV from Aditya Birla Capital

Collateral-free

There is no need to pledge any asset to secure the loan. The funds are sanctioned based on your eligibility parameters—that’s all!

Flexible Repayment Period

Choose a repayment tenure of up to 84 months to ensure affordable EMIs for easy repayments.

Predictable EMIs

With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments.

Quick Sanctions

Get the funds transferred to your account within 24 hours of application.

Facility to add a co-applicant

Adding a co-applicant to the Personal Loan for TV can increase your eligibility. You can get a higher loan amount and buy the latest model.

Interest Rates Available for
Personal Loan for TV

Find out the interest payable on the Personal Loan for TV to plan your repayments effectively.

Loans up to 12 months

Loan Type	Interest
The Short Term Reference Rate (STRR)	19.45% p.a. w.e.f.from March 1, 2024

Loans more than 12 months

Loan Type	Interest
The Long Term Reference Rate (LTRR)	20.45% p.a. w.e.f. from March 1, 2024

Who Can Apply For a Personal Loan for TVs?

Find out if you are eligible to apply for a Personal Loan for TV

Salaried

Self-employed Professional

Self-employed Non - Professional

Get A Personal Loan for TV In 5 Easy Steps

STEP

Determine your financial needs

STEP

Check loan eligibility

STEP

Calculate monthly installment

STEP

Submit the relevant documents

STEP

Apply for a loan

STEP

04

Submit the relevant documents

STEP

05

Apply for a loan

Eligibility Criteria for Personal Loan for TV

Are you eligible for a Personal Loan for TV? Check whether you meet the criteria.

Documents Needed

Proof of identity and address Passport / Aadhaar Card/ Voter's ID / Driving License/ Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
Bank statement where income is credited Last 6 months
Proof of other income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16

Disclaimer - All loans will be at the sole discretion of ABFL.

Eligibility criteria

Nationality

Minimum age

Maximum age

Credit Score

Employment

Indian citizen

21 years

60 years*

750+

Salaried

* A higher age limit is applicable at the time of loan maturity.

Note - This is an indicative list that may change based on your actual loan application.

Fees and Charges for Personal Loan for TV

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

BALANCE TRANSFER LOAN

Transfer your existing loan to us for lower interest rates

Reduced Interest Rates.
Lower Monthly Payments.

Get a Call Back Know More

TOP UP LOAN

Secure additional funds at exceptional interest rates

Easy application process
Borrow up to 80% of property value

Get A Call Back Know More

Different financial needs, different loans,
one app - ABCD

For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.

Range of loan options for different needs
Range of loan options for different needs
Quick sanctions and disbursals

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Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Housing Finance Customer

Hyderabad, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.

Mr. Vikram Balu Gavali

Aditya Birla Housing Finance Customer

Belapur, India

FAQs on Personal Loan for TV

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