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There is no need to pledge any asset to secure the loan. The funds are sanctioned based on your eligibility parameters—that’s all!
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments.
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 application.
Adding a co-applicant to the Personal Loan for Women can increase your eligibility. You can also get a higher loan amount to fulfil various financial obligations.
Find out the interest payable on the Loan for Women to plan your repayments effectively.
Find out if you are eligible to apply for a Loan for Women
Are you eligible for a Loan for Women? 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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Senior citizen women over 60 cannot apply for the loan. The loan is sanctioned up to 60 years of age only.
The credit score measures your creditworthiness, i.e., how reliable you are regarding credit repayment. The score ranges from 300 to 900. The higher the credit score the easier it is to get a loan.
You can apply for a personal loan for women even when you have a home loan. However, the maximum loan amount available to you will be reduced since you have an existing debt.
Yes, you can visit the nearest branch of Aditya Birla Capital and apply for the loan offline.
Partial prepayment is allowed under Loan for Women. You can make partial prepayments after 6 months of availing of the loan. Moreover, a charge will apply to the prepayment.
Full prepayment or foreclosure is also allowed after 12 months. Foreclosure also incurs an additional charge.