Find customised home loan solutions for your unique needs
Find a better interest rate for your existing home loan
Get a loan on your existing home loan to meet your needs
Turn your assets into a financial ally
Meet all your dreams and needs with a collateral-free Personal Loan
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Get quick funds with Aditya Birla Capital Instant Personal Loan
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
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CALCULATE NOWBoost your business growth with competitive rates and flexible terms backed by your assets
Get anytime funds, quick approval, & ongoing support with Line of Credit
Strengthen your business cash flow with quick access to funds & flexible repayment options
Improve your cash flow & gain quick access to funds by discounting your invoices
Fuel your business expansion with fast approval and flexible terms without the need for collateral.
Our solutions with Flexible funding, project requirements to drive construction forward.
Turn your property vision into reality with flexible terms and competitive interest rates.
Unlock the value of your property offering quick access to funds by leveraging your rental income.
Leverage your investments with Loan Against Shares, while retaining ownership of your assets
Unlock the value of your investments while keeping your assets intact
Get loans for all your business needs at attractive rates
Seize investment opportunities with IPO Financing to help you invest with ease.
Empower your business growth with financial solutions to support expansion & ownership
Turn your ideas into reality with flexible funding to support your vision from start to finish
Turn your ideas into reality with flexible funding to support your vision from start to finish
Keep your business running smoothly with quick access to funds for day-to-day operations
Achieve your business goals with flexible repayment options & competitive rates for long-term growth
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Calculate NowBring security and peace to life’s unpredictability
Get a guaranteed regular pension plus a lump sum on plan maturity
Get a guaranteed regular pension plus lump sum on plan maturity
Get a guaranteed regular pension plus lump sum on plan maturity
Find out how much life insurance you need with our Human Life calculator
CALCULATE NOWProtect your vision with comprehensive eye insurance.
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Get the best mental health insurance online with ABCD Aditya Birla Capital today!
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Aditya 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. Through its subsidiaries/JVs, ABCL 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 59,000 employees, the businesses of ABCL have a nationwide reach with over 1,482 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1482No. of Employees
33,500+Agents/Channel Partners
2,00,000+Aggregate Assets
INR 3,550 BillionActive Customer Base
39 MillionConsolidated Lending Book
INR 699 BillionCorporate Governance Policies
Financial and Debt-Related Policies
Business and Partnership Policies
Money management made easy
Understanding direct and indirect taxes
Know how to plan retirement well
Insurance and it's aspects for laymen
Investments and their jargon - simplified
Know all about loans and their management
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Calculate the expected EMI of your loan for easier repayments
It measure your leanness or obesity basis your height and the weight.
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Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Check your credit score and get tips on how to improve it
Healthy living made easy with ABCD’s Digital Health Evaluation
Bring your assets and liabilities under one platform
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Manage your money effectively with Spend Track.
Owning a commercial or residential property in India comes with its share of advantages – the principal one among them being that the property owner is able to lease out the premises to earn rental income. Apart from monetising the property, the rent receivables also yield an additional benefit to the owner: he can raise a term loan against the rent for personal or business intents. This loan is known as Lease Rental Discounting (LRD) and is approved against the discounted rental cash flows from the property and its current market value.
Application Form
Lease Rental Discounting (LRD) is a term loan provided against rental receipts. This option is suitable for property owners who receive a consistent rental income at regular intervals.
LRD eligibility criteria:
Lease Rental Discounting loan operates based on fixed rental income from leased properties. Tenants engage in a lease agreement with the property owner.
If you opt for an LRD Loan, you will need to pay a Loan Processing Fee/Renewal charge of 2% plus applicable taxes.
Administrative charges will be either Rs 5,000 or 0.25% of the Loan Amount plus Applicable Taxes, whichever is lower.
In case of loan prepayment, anytime after six months from the date of loan disbursement, prepayment charges at a rate of 4%, plus applicable taxes, will be applicable.
Lease Rental Discounting is classified as a Term Loan that enables you to get a loan using rental receipts as collateral. Tenants can conveniently apply for a loan based on the rental income they receive from lease agreements. If you own a property and expect fixed rentals over the long term, you may qualify for the LRD Loan.
ID proof - PAN & Aadhaar Card, Passport, Driving License etc.
Income proof
A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments.
In this context, it is imperative to consider an invaluable source of finance known as Loan Against Property (LAP). This is a loan borrowed by placing one's owned property as collateral. The funding may be given by financial institutions after scrutinising the validity of the said property and its current market value.
A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments. In this context, it is imperative to consider an invaluable source of finance known as Loan Against Property (LAP).
A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments. In this context, it is imperative to consider an invaluable source of finance known as Loan Against Property (LAP).
A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments. In this context, it is imperative to consider an invaluable source of finance known as Loan Against Property (LAP).
A sudden requirement of funds is an unavoidable circumstance arising in professional or personal life. Whether a personal necessity (hospitalisation, child's marriage) or a professional one (expanding business operations on a priority basis), every person requires immediate financial backing at key moments. In this context, it is imperative to consider an invaluable source of finance known as Loan Against Property (LAP).