Personal Loan Eligibility Criteria
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution with affordable repayment options.
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
For more information
Please share the details
Tips to Improve Personal Loan Eligibility
Improve your eligibility criteria to get easy sanctions and a higher loan amount. Check out some tips on how –
Good and steady income
Have a stable and steady source of income to qualify for a higher loan amount. Moreover, if your income is high, you can get easy sanctions.
Add a co-applicant
Adding a co-applicant to the Personal Loan increases your eligibility. The eligibility qualifications of the co-applicant are added to yours, which boosts the overall loan eligibility.
Limited credit
If you have existing loans and credit card dues, ensure that the aggregate outstanding debt is low to qualify for a higher loan amount.
Credit score
A high credit score also boosts your eligibility and can even give you lower Personal Loan interest rates.
Personal Loan Eligibility Criteria
Are you eligible for a Personal Loan? 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 income
Salary 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 ABCL.
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.
Tax Planning
Save Tax, invest more,
reach goals
- Tax-saving options, one click
- Save tax under different sections
Secured Business Loan
Secure business loans
for you
- Low interest, flexible payments
- One app, quick dispersals
Our Other
Plans
Reach us on WhatsApp