1800 270 7000
- Housing Loan
- Personal Finance
- SME & Business Finance
- Gold Loan
- Loan Against Property
- Loan Against Securities
- Corporate Finance
Home Loan
Find customised home loan solutions for your unique needs
Balance Transfer
Find a better interest rate for your existing home loan
Top up Home Loan
Get a loan on your existing home loan to meet your needs
Loan Against Property
Turn your assets into a financial ally
Personal Loan
Meet all your dreams and needs with a collateral-free Personal Loan
Flexi Loan
Make loan repayment flexible and hassle-free with Flexi Loans
Get quick funds with Aditya Birla Capital Instant Personal Loan
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Check your Aditya Birla Capital Personal Loan eligibility
Enjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
CALCULATE NOW
Secured Business Loan
Boost your business growth with competitive rates and flexible terms backed by your assets
Line of Credit
Get anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital Demand Loan
Strengthen your business cash flow with quick access to funds & flexible repayment options
Supply Chain Financing Solutions - Invoice Discounting
Improve your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business Loan
Fuel your business expansion with fast approval and flexible terms without the need for collateral.
Constrcution Finance
Our solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property Purchase
Turn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental Discounting
Unlock the value of your property offering quick access to funds by leveraging your rental income.
Loan Against Shares
Leverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual Funds
Unlock the value of your investments while keeping your assets intact
Loan Against Life Insurance Policy
Get loans for all your business needs at attractive rates
IPO Financing
Seize investment opportunities with IPO Financing to help you invest with ease.
Promoter Funding
Empower your business growth with financial solutions to support expansion & ownership
Project Finance
Turn your ideas into reality with flexible funding to support your vision from start to finish
Project Finance
Turn your ideas into reality with flexible funding to support your vision from start to finish
Working Capital Demand Loan
Keep your business running smoothly with quick access to funds for day-to-day operations
Term Loan
Achieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt Funds
Diversify your portfolio and reduce risk with Debt Funds
Equity Funds
Invest smartly in Equity Funds to aim for higher returns
Hybrid Funds
Diversify your portfolio and reduce your risk with a mix of equity and debt
Goal-oriented fund with a lock-in period to create a corpus for retirement
Retirement Funds
Secure your child’s financial future with solutions-oriented children’s funds
Children’s Funds
Unlock a smart, hassle-free way to invest in various assets
Exchange Traded Funds
Fund Of Funds
Choose the smart way to diversify risks and grow investments
Index Funds
Follow the benchmark of smart investors to grow your wealth
Calculate wealth creation through lumpsum investment in Mutual Funds
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Term Insurance
Bring security and peace to life’s unpredictability
Retirement Plan
Get a guaranteed regular pension plus a lump sum on plan maturity
Savings Plan
Get a guaranteed regular pension plus lump sum on plan maturity
ULIP Plans
Get a guaranteed regular pension plus lump sum on plan maturity
Find out how much life insurance you need with our Human Life calculator
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Eye Insurance
Protect your vision with comprehensive eye insurance.
Dental Insurance
Protect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash Insurance
Get financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition Insurance
Get the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident Insurance
Secure your future with our affordable personal accident insurance plans.
Aditya Birla Capital Limited
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
1482
No. of Employees
33,500+
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
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
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 Rate & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Fraud Awareness
- My Track
- ABCD Of Money
- ABCD Of Calculators
- Personal Finance
- SME and Business Finance
- Loan Against Property
Read about Money
Money management made easy
Read about Tax
Understanding direct and indirect taxes
Read about Retirement Plan
Know how to plan retirement well
Read about Insurance
Insurance and it's aspects for laymen
Read about Investing
Investments and their jargon - simplified
Read about Loans and Financing
Know all about loans and their management
Personal Loan EMI Calculator
Estimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility Calculator
Calculate the expected EMI of your loan for easier repayments
BMI Calculator
It measure your leanness or obesity basis your height and the weight.
Income Tax Calculator
Calculate the tax payable by you based on your income
SIP Calculator
Estimate the returns you can earn with your SIP investments
SWP Calculator
Calculate the Life Insurance cover you need to secure your family’s future
Eligibility Calculator
Check your credit score and get tips on how to improve it
EMI Calculator
Healthy living made easy with ABCD’s Digital Health Evaluation
Application Forms
Bring your assets and liabilities under one platform
Brochure
Manage your money effectively with Spend Track.
FAQs
Manage your money effectively with Spend Track.
Financial Reports
Manage your money effectively with Spend Track.
Eligibility Calculator
Check your credit score and get tips on how to improve it
EMI Calculator
Healthy living made easy with ABCD’s Digital Health Evaluation
Application Forms
Bring your assets and liabilities under one platform
Brochure
Manage your money effectively with Spend Track.
FAQs
Manage your money effectively with Spend Track.
Financial Reports
Manage your money effectively with Spend Track.
Eligibility Calculator
Check your credit score and get tips on how to improve it
EMI Calculator
Healthy living made easy with ABCD’s Digital Health Evaluation
Application Forms
Bring your assets and liabilities under one platform
Brochure
Manage your money effectively with Spend Track.
FAQs
Manage your money effectively with Spend Track.
Financial Reports
Manage your money effectively with Spend Track.
Life Insurance
Health Insurance
Mutual Fund
Home Finance
Personal Finance
Stocks & Securities
Secured Business Loan
Quick loans to help your SMEs flourish
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Register yourself -
Get verified as an applicant
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Get loan disbursal in no time
Secured Business Loan
The Small and Medium Enterprises (SME) sector in India has matured tremendously over the last few decades, providing employment opportunities to millions of people and bringing several industries to rural areas. The SME sector employs millions of Indians and functions as a subsidiary to large industries in the country. The sector also contributes to a large portion of the country's exports.
Why Aditya Birla Finance SME Loans?
Aditya Birla Finance extends business loans to entities in the SME sector to help them meet their financial requirements. Businesses in this sector require loans to meet urgent funding constraints for a gamut of operational objectives – expansion, purchasing new premises, importing equipment, hiring skilled workforce, and so on. Our SME Loans in India offer flexible repayment options at a lower rate of interest. Additionally, they are approved within a week of the company submitting its documents. Currently, we offer Working Capital Demand Loan, Term Loan, Transaction Banking Facilities with our bankers, Line of Credit and Business Loans (up to Rs 25 crores) to SMEs in India.
Aditya Birla Finance SME Loans process
- Minimum ticket size: Rs 1 crore
- Maximum ticket size: Rs 25 crore
- Initial assessment: Nature of requirement, customer's repayment capability, financial valuation
- Average turnaround time: 7 days after receiving the complete set of documents (subject to credit appraisal, which is the sole discretion of ABFL and terms and conditions as agreed under individual loan agreement).
- Assessment methodology: We offer Parameterised Lending to ensure that funds are released in a timely manner to the customer.
Please ask us for the list of required documents at the time of inquiry.
Next steps...
Do you want complete product details? Download the brochure : Click here
If you want to apply for SME Loans, Download the application form : Click here
Do you have questions?
Call 1800 270 7000 or write us at care.finance@adityabirlacapital.com.
Are SME Loans for you ?
If you are a business owner looking to expand the scope of your current operations, gain access to higher technological input, realign your business goals to revive your enterprise, set up ancillary units in different geographical locations and increase economies of scale, SME Loans in India can prove extremely beneficial for you. This loan for business offers you the opportunity to set higher business objectives by sealing the working capital gaps your business may face.
SME Loans will help you in case your business:
- Requires affordable credit in a short period of time
- Payments have been delayed by larger corporations, thus putting current projects at risk
- Does not have access to organised finance
- Requires long-term and short-term finance
Secured Business Loan FAQ's
A secured loan is a debt wherein collateral backs the loan as a valuable asset. The lender takes ownership of the asset until the loan is repaid. If the borrower defaults on the loan, the lender can seize the collateral and sell it to recoup the loan amount.
The different types of secured loans are:
- Home loan
- Loan against property (LAP)
- Loan against Insurance policies
- Gold Loans
- Loan against mutual funds/shares
- Loan against Fixed deposit
The acceptable collateral for a secured loan depends upon your lender. For instance, in a mortgage scenario, your home invariably functions as the collateral. Some other types are:
Real estate properties
- Bank accounts (savings accounts, certificates, and money market accounts)
- Vehicles
- Mutual fundss
In the event of a missed payment or default on your secured loan, the lender has the authority to seize the collateral you pledged. The lender can sell the item to recover the loan amount, whether it's your car, house, or personal property.
To prevent defaulting on secured debt, ensure that you choose a loan amount that you can comfortably manage. It's also crucial to make all payments on time and in full to avoid any default.
The secured business loan rates provided by financial institutions differ from one bank to another. It primarily relies on factors such as the applicant's credit score, repayment capacity, cash flow, business needs, etc.
Yes, owning properties like a home, office, shop, factory, warehouse, etc., is a prerequisite to qualifying for a secured business loan.
The minimum repayment period is 12 months, while the maximum repayment duration can extend up to 15 years.
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