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Fees & Charges

1. Pre-closure fee = 4% of principal outstanding (plus applicable tax) in 2nd year. 3% (plus applicable tax) in 3rd year & 2.5% (plus applicable tax) afterwards
2. Part-payments can be made only after 12 months. For part payments between 13 to 24 months, a fee of 4% is applicable on the part-payment amount. 3% is applicable on payments between 25 to 36 months. 2% is applicable post 36 months
3. Part-payments are allowed only twice during the loan tenure and once a year. The amount cannot exceed 25% of the principal outstanding

Eligibility Criteria

1. Salaried - Age at least 21 and less than 60
2. Self-employed - Age at least 21 and less than 65
3. Applicant should be earning at least ₹ 20,000 per month as net income (₹ 25,000 for applicants from Madhya Pradesh)

Documents

1. KYC - PAN, address and ID proof
2. Income proof, bank statement and a photograph

What you'll love

1. Conditional pre-closure after 1 year
2. This offer is available only if all necessary documents are uploaded online

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Pre-closure fee = 4% of principal outstanding (plus applicable tax)

Eligibility Criteria

1. Age at least 23 years and less than 58 years for salaried
2. Age at least 28 years and less than 68 years for self-employed
3. For salaried, 2 years minimum overall work experience with 1 year minimum experience in current company
4. For self-employed, at least 5 years of experience after relevant qualification

Documents

1. KYC - PAN, address & ID proof

What you'll love

1. Pre-qualified offer - NO income documents required
2. Easily complete KYC online via video call with bank representative
3. Quick approval, flexible tenure
4. No guarantor required
5. Has pre-closure option

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part-payment option
2. Pre-closure allowed only after repayment of 12 EMIs

Fees & Charges

1. Pre-closure fee = 4% of principal outstanding (plus applicable tax)

Documents

1. Salary account bank statement (Last 3 months)

What you'll love

1. Instant E-approval
2. Same day disbursement
3. Minimal documentation

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Pre-closure fee = 3% - 5% on principal outstanding

Eligibility Criteria

1. Minimum age - 21 years; Maximum age - 60 years

Documents

1. KYC - PAN, current address and ID proof
2. Bank statement
3. Selfie

What you'll love

1. Instant loan from ₹ 75,000 to ₹ 5 lakhs
2. No hidden fees or charges
3. Quick approval and disbursal
4. Conditional pre-closure after 12 months. Pre-closure charges applicable
5. Affordable EMI plans

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part-payment facility

Fees & Charges

1. Part-prepayments can be made only after 6 months. They are allowed only once a year with a minimum gap of 6 months between two part-prepayments. Amount prepaid cannot exceed 25% of the principal outstanding and a charge of 2.5% (plus applicable taxes) will be applied amounts above 25% of the principal outstanding
2. Foreclosure is allowed only after 6 months. A foreclosure charge of 3.5% + GST is applicable on the principal outstanding after 6 months. In case of foreclosure within 6 months after a part-prepayment, a foreclosure charge of 3.5% (plus applicable taxes) will be levied on the principal outstanding plus part-prepayment amount
3. For loans above ₹ 7 lakhs, a 12-month clean payment track is a must for loan foreclosure and a charge of 3.5% + GST applies unless loan is closed with own funds
4. For overdraft cases, loan foreclosure is allowed only after 6 months and a charge of 4.5% + GST is applicable on the dropped-down limit amount

Eligibility Criteria

1. Salaried - Age at least 24 and less than 55
2. Self-employed - Age at least 25 and less than 65
3. Applicants should be currently employed, with at least 1 year with their current employer

Documents

1. KYC - PAN, address and ID proof
2. Income proof, bank statement and a photograph

What you'll love

1. Conditional pre-closure and part payment after 12 months
2. Maximum loan term of 6 years
3. 25% part payment allowed in a year
4. No guarantor required

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Pre-closure fee = 3% - 7% of principal outstanding (plus applicable tax)
   Pre-closure is allowed only after 6 months

Eligibility Criteria

1. Age limit - 21 years to 65 years
2. Salaried individuals with minimum net monthly income of ₹ 15,000 and above
3. For salaried individuals residing in metro cities, a minimum net monthly income of ₹ 20,000 and above is required

Documents

1. Photo ID proof
2. Current address proof
3. Last 3 months bank statement
4. Last 3 months salary slips
5. Passport-size photograph

What you'll love

1. No hidden charges
2. No guarantor required
3. Conditional pre-closure after 6 months

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part-payment facility

Fees & Charges

1. Pre-closure fee = ₹ 0. Allowed only after 6 months

Eligibility Criteria

1. Age limit - 19 years to 58 years
2. Salaried individuals with minimum net monthly income of ₹ 15,000 and above

Documents

1. KYC - PAN, current address and ID proof
2. Bank statement of salary account via netbanking (mandatory)

What you'll love

1. Loan up to ₹ 2 lakhs with instant online approval
2. No processing fee or pre-payment charges
3. Disbursal within a day
4. No guarantor/collaterals required
5. Conditional pre-closure allowed after 6 months

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part-payment option

Fees & Charges

1. Pre-closure fee = 5% of principal outstanding (plus applicable tax)
   Pre-closure is allowed only after the 1st year

Eligibility Criteria

1. Age - At least 21 and less than 55
2. Applicants must be salaried Indian residents working at MNCs, public companies or other large private organisations
3. Monthly income should be more than ₹ 25,000

Documents

1. KYC - PAN, address and ID proof
2. Income proof, bank statement and a photograph

What you'll love

1. Conditional pre-closure after 1 year
2. This offer is available only if all necessary documents are uploaded online

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part-payment facility

Fees & Charges

1. Preclosure fee = Within 1 year - 2%; After 1 year - 1%
2. Part-payment fee = No part payments

Eligibility Criteria

1. Age - 22 to 58 years old
2. The person must have a monthly income of Rs. 20,000 and above
3. For salaried, minimum 2 years overall experience is required.

Documents

1. KYC-PAN, address & ID proof
2. Income proof, bank statement and one photograph

What you'll love

1. No guarantor required
2. New-to-credit customers are eligible

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. Preclosure charges
2. No part payments

Fees & Charges

1. Pre-closure fee = Up to 5% of the total principal outstanding
2. Part-payment fee = Up to 5% of the part-payment amount

Eligibility Criteria

1. Salaried - Age at least 21 and less than 56 years
2. Minimum monthly income of ₹ 15,000

Documents

1. KYC - ID proof and current address proof
2. Bank statement
3. Selfie

What you'll love

1. Customers with no credit history are eligible
2. No guarantor required
3. Prepayment is allowed after 6 months

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. Pre-closure charges
2. Part-payment charges

Eligibility Criteria

1. Age - At least 21 and less than 56
2. Minimum 3 years of total work experience or minimum 1 year with current company

Documents

1. Photo ID proof
2. Current address proof
3. Last 6 months bank statement
4. Passport-size photograph

What you'll love

1. No hidden charges
2. No guarantor required
3. Faster repayments & bigger savings

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. 4% pre-closure charges on amount prepaid

Fees & Charges

1. Pre-closure fee = 5% within 1 year of tenure, 4% within 2 years, 2% within 3 years, and 1% after 3 years

Eligibility Criteria

1. Age at least 21 and less than 62

Documents

1. KYC-PAN, address & ID proof
2. Photograph

What you'll love

1. Pre-qualified offer: No income documents required
2. Pre-closure and part-payment available
3. No guarantor required

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Preclosure fee = 13-24 months of EMI repayment - 4% of principal outstanding.
   Pre-closure is permitted only after the 1st year
2. Preclosure fee = 25-36 months - 3% of principal outstanding.
   Pre-closure is permitted only after the 1st year
3. Preclosure fee = 37-48 months - 2%. No fee applicable above 48 months of EMI repayment
   Pre-closure is permitted only after the 1st year
4. Part-payment fee = 2% plus applicable taxes on the part-payment amount
   Part payment can be done only once a year. The amount received as part payment will be adjusted against the principal outstanding. The number of EMIs will be reduced, but EMI amount will be the same for remaining tenure

Eligibility Criteria

1. Age limit for salaried - 25 years to 53 years

Documents

1. KYC-PAN, address & ID proof
2. Income proof, bank statement and a photograph

What you'll love

1. Has pre-closure option

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. Part-payment charges

Fees & Charges

1. Preclosure fee = 4% of principal outstanding (plus applicable tax)

Eligibility Criteria

1. Age limit for salaried - 22-60 at the time of loan maturity
2. For salaried minimum income Rs.20,000
3. Cities : Chennai, Bangalore, Hyderabad, Secunderabad, Mumbai, Pune

Documents

1. KYC-PAN, address & ID proof
2. Income proof, bank statement and one photograph

What you'll love

1. No guarantor required
2. Conditional pre-closure - only after 12 months

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Preclosure fee = 4% of principal outstanding in the 1st year; 3% in the 2nd year and 2% thereafter
2. Part payment fee = ₹0
   Minimum amount to be paid for part payment is Rs 25,000

Eligibility Criteria

1. The applicant will have to be a permanent employees of Aditya Birla Financial Services Group
2. At least 23 years old and no older than 60 years old
3. Minimum net monthly income that is not less than ₹45,000

Documents

1. KYC-PAN, address & ID proof
2. Income proof, bank statement (latest 6 months), salary slip (latest 3 months)

What you'll love

1. No guarantor required
2. Conditional pre-closure - only after 6 months
3. Has part payment option

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Fees & Charges

1. Preclosure Fee= ₹0

Eligibility Criteria

1. Age at least 25 and less than 60
2. Minimum Monthly Income ₹25,000
3. Sourcable Location will Mumbai, Delhi, Pune, Banglore, Hyderabad & Chennai.

Documents

1. KYC-PAN, address & ID proof
2. Income proof, bank statement and one photograph

What you'll love

1. Pre-closure only after 12 months with no charges
2. No guarantor required.

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. No part payment option
2. Conditional pre-closure - only after 1 Year

Fees & Charges

1. Pre-closure fee = 5% of principal outstanding
2. Late payment fee = 2% of unpaid EMI or ₹ 300, whichever is higher

Eligibility Criteria

1. Salaried - Age at least 23 and less than 58
2. Self-employed - Age at least 28 and less than 68
3. If self-employed, business must have been in existence for a minimum of 3 years and its profit after tax (PAT) for the last 2 years should be positive

Documents

1. KYC - PAN, current address and ID proof

What you'll love

1. Contactless process – Get your loan disbursed within 1 working hour. No physical meetings or document signing
2. No income documents required
3. Convenient repayment plans
4. Quick disbursal
5. Top-up facility for existing customers

Perks

1. Balance Transfer

2. Top-up Loan Available

3. Part-Payment Available

4. No Guarantor Required

5. Door Step Service

6. E-Approval

Think about

1. Displayed EMI amount is tentative. Final details will be as per KFS document.