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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
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business growth with competitive rates and flexible terms backed by your assets
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 expansion with fast approval and flexible terms without the need for collateral.
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 DiscountingUnlock the value of your property offering quick access to funds by leveraging your rental income.
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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.
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. 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
1,482
No. of Employees
59,000
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 3,550 Billion
Active Customer Base
39 Million
Consolidated Lending Book
INR 699 BillionCorporate 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
Corporate Governance Policies
Financial and Debt-Related Policies
- Public Issue of Debt
- Properties for Auction under SARFAESI Act
- Secured Assets Possessed Under SARFAESI Act
- ECLGS (Emergency Credit Line Guarantee Scheme)
Business and Partnership Policies
- Press Releases
- Our Digital Lending Platform 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
- Fraud Awareness
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.
Eligibility CalculatorCheck your credit score and get tips on how to improve it
EMI CalculatorHealthy living made easy with ABCD’s Digital Health Evaluation
Application FormsBring your assets and liabilities under one platform
BrochureManage your money effectively with Spend Track.
FAQsManage your money effectively with Spend Track.
Financial ReportsManage your money effectively with Spend Track.
SME & Business Finance FAQsCheck your credit score and get tips on how to improve it
Account StatementHealthy living made easy with ABCD’s Digital Health Evaluation
Financial ReportsBring your assets and liabilities under one platform
FormsManage your money effectively with Spend Track.
BrochuresManage your money effectively with Spend Track.
Grievance FormManage your money effectively with Spend Track.
Loan Against Property FAQsCheck your credit score and get tips on how to improve it
Account StatementHealthy living made easy with ABCD’s Digital Health Evaluation
Financial ReportsBring your assets and liabilities under one platform
FormsManage your money effectively with Spend Track.
BrochuresManage your money effectively with Spend Track.
Grievance FormManage your money effectively with Spend Track.
Personal Finance
Realize all your dreams today!
KNOW MORE
- 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.
Explore our other products
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
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.
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 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.
