-
Age:
19 to 60 years
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Income:
Min. ₹10,000/m
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Residency:
Resident of India
Only
3 steps
, and you get the money!
Provide Basic Details
Choose & Apply Loan Offers
Get Instant Cash in Bank
Min. ₹5,000 and Max. 15 Lakhs
6 to 60 months
10.99% to 36% per annum
1.18% - 8% of Loan amount incl. GST.
Frequently asked questions
ABCD is a digital platform offering personal with seamless online processing. The platform acts as a technology intermediary and LSP, connecting borrowers with regulated and credible financial institutions.
Loans offered include personal loans for salaried and self-employed individuals.
- Must be an Indian citizen
- Age: 19-60 years
- Minimum monthly income of ₹10,000
- 3 months of work experience in current organization (for salaried)
- Minimum family income of ₹25,000
The application process is incredibly simple and can be completed in just a few steps. 1. Provide Basic Information, 2. Keep your PAN & bank details handy 3. Customize your loan offer, 4. Perform KYC and EMI setup to get successful disbursal (The chronology of steps may vary based on the selected lender)
- PAN Card
- Aadhaar Card
- Selfie on the journey
- Bank statements and proof of income (if applicable)
Loan disbursal time may vary from lender to lender. However, once the loan process is complete, the amount will be credited to your savings account within 48 hours.
Repayments can be made through various methods like NEFT, ECS, UPI, or directly via the lender’s app/website.
Standard charges for the loan include a Processing Fee (inclusive of GST), Late Payment Fee (for delayed EMIs), and Bounce Charges (for failed auto-debits). The amount credited to your bank account is net of the Processing Fee, insurance premium (if applicable), and any other bundled product deductions. All fees and charges are clearly detailed in the Loan Agreement for your reference.
You can request data deletion through the app or by contacting support via email. Note: Data deletion is subject to terms, especially for users with active or past loans. It may take up to 30 days to process the request.
You can contact the support team via phone or email during business hours. The app may also have a dedicated help section for quick resolutions. Email: care.digital@adityabirlacapital.com, Mobile: 1800-270-7000.
Use the loan calculator on the webpage to estimate monthly EMIs based on the loan amount,rest rate, and tenure. This provides transparency on repayment obligations.
Note: The Annual Percentage Rate (APR) of a personal loan is the total yearly cost of borrowing. It includes the interest rate, processing fee, documentation charges, insurance (if any), and other charges. The maximum APR can go up to 33%. For example, a ₹4 lakh loan at 12% p.a. with a 1.18% processing fee (₹4,720) results in an effective APR of ~14.26% over 12 months.
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