Learn about the loan against property from Aditya Birla Capital with a starting interest rate of 10.50% p.a., a max loan amount of ₹10 Crores, and a tenure of up to 15 years. Apply via Bajaj Markets.
Fulfil your financial needs with a loan against property from Aditya Birla Capital Limited (ABCL). This loan allows you to borrow up to ₹10 Crores at attractive interest rates starting from 10.50% p.a. You can also enjoy flexible repayment options with tenures of up to 15 years.
Aditya Birla Capital Loan Against Property interest rates and charges are as listed below:
| Particulars | Details |
|---|---|
| Interest Rate |
10.50% p.a. onwards |
| Processing Fee |
Up to 2% of the loan amount |
| Prepayment Charges |
|
| Foreclosure Charges |
|
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Here are the additional fees and charges for Aditya Birla Capital Loan Against Property that help you plan your loan effectively:
| Type of Charges | Details |
|---|---|
| NOC Issuance Charge |
₹1,000 per instance |
| Cancellation Charges |
4% of the loan amount |
| Cheque Return Charges/NACH/SI/ECS Failure Charges |
₹1,000 per instance |
Disclaimer: The details mentioned above are subject to change at the lender’s discretion.
Get a loan amount of up to ₹10 Crores by mortgaging your property
Repay your loan with flexible tenures of up to 15 years
Prepay or foreclose your loan by paying a nominal fee as specified by ABCL
Leverage up to 70% of your property's value to meet various financial needs
Post approval, the amount can be credited to your bank account within a few days
Aditya Birla Capital offers different types of loans against property to meet diverse financial needs:
This facility is designed specifically for real estate developers seeking funds to manage construction projects. It provides financial support for every stage of development, from land acquisition to project completion. The loan ensures that projects progress without delays caused by funding gaps.
With timely financing, developers can maintain efficiency and deliver projects within planned timelines.
Lease Rental Discounting allows property owners to secure funds against the rental income generated from residential, commercial, or warehouse properties. It is generally structured as a short-to-medium-term loan, enabling owners to unlock the potential of their existing assets.
The loan amount is determined based on the rental cash flow and lease agreement terms. This solution provides liquidity without the need to sell the property.
This loan option is intended for individuals or businesses aiming to purchase new commercial properties such as offices, retail outlets, or warehouses. It provides the necessary capital to expand operations and meet business growth objectives. With flexible repayment options, borrowers can manage cash flow more effectively.
The facility supports both investment and operational needs in the commercial real estate sector.
Before applying for the Aditya Birla Capital Loan Against Property, ensure you meet the following:
You must be either salaried, self-employed or a professional
You must be at least 21 years old at the time of application
Your age should not be over 70 years* at the time of loan maturity
You must have a CIBIL score of 650 or more
You should have individual or joint ownership of the property to be mortgaged
*Can be extended to 80 years if certain conditions defined by ABCL are met
Here are the documents you need to provide when applying for an Aditya Birla Capital Loan Against Property.
PAN card
ID proof: Any one of the following
Passport
Driving licence
Voter ID
Aadhaar card
Address proof: Any one of the following
Driving licence
Voter ID
Aadhaar card
Utility bills
Municipality tax receipts, etc.
Income proof: GST Returns and bank statements of the last 12 months, along with ITR filings of the last 2 years
Signature proof
Collateral-related documents
Here is how you can apply for this loan against property online on Bajaj Markets:
Click on ‘Check Offer’ on this page
You will be directed to the online application form
Choose your profession (Salaried Employee or Business Owner)
Provide your mobile number to proceed with the eligibility assessment
Agree to the terms of use and authorise the sharing of details as required
Click on ‘Apply Now’ to submit your application
Following this, an executive will contact you to further process your loan application.
You can track your loan application status through multiple channels by providing key details such as your application number, name, and date of birth. The available options include:
Dial 1800 270 7000 and share your application details with the customer care executive to receive the latest status update.
Send an email to care.finance@adityabirlacapital.com, with your application reference number and registered contact details. The support team will respond with the current status of your application.
Visit the nearest Aditya Birla Capital branch with your application/reference number and valid identification documents to obtain in-person updates.
Access the chatbot available on the official website to receive instant updates on your application status.
You can obtain your Loan Against Property statement from Aditya Birla Capital through the following methods:
Log in to the ABC Service Portal using your credentials to access your account. From the dashboard, you can download your loan statement and manage other loan-related services with ease.
Send an email to care.housingfinance@adityabirlacapital.com with your loan account details. The support team will process your request and share the statement with you.
Call 1800-270-7000 and request assistance from a customer care representative. They will guide you on how to download or receive your loan statement.
Here are some of the repayment options for your Aditya Birla Capital Loan Against Property.
Repay the loan in fixed monthly instalments comprising both principal and interest. This option ensures predictability and disciplined repayment over the chosen tenure.
Set up ECS with your bank to enable automatic EMI deductions on the due date. This eliminates the need for manual payments and ensures timely repayment.
Opt for the secure and paperless NACH facility, where EMIs are digitally debited from your bank account. It is widely used for efficiency and faster processing.
You may choose to make part-prepayments or foreclose the loan before the end of the tenure. These options help reduce the outstanding principal and overall interest burden, offering greater financial flexibility.
The loan amount approved by Aditya Birla Capital Limited (ABCL) is generally credited to your account within a few days.
You can borrow amounts of up to ₹10 Crores with an Aditya Birla Capital Limited Loan Against Property.
The maximum repayment tenure for a loan against property from Aditya Birla Capital is 15 years on Bajaj Markets.
Prepayment charges are not applicable for up to 25% of the outstanding loan amount repaid in a single financial year. However, if the prepayment exceeds 25% of the principal outstanding within the same year, a charge of 4% is applicable on the prepaid amount.
For foreclosure, a 4% charge applies to SMEs, while no foreclosure charges are levied for non-individual borrowers.
Yes, you can apply with a co-applicant, usually a family member who co-owns the property. Applying jointly can increase your loan eligibility, distribute repayment responsibility, and strengthen your credit profile.
The loan amount depends on your property’s market value and type of property. Residential properties can get up to 70% of value, commercial up to 60%, with loan amounts up to ₹10 Crores.
Yes, NRIs are eligible to apply for an Aditya Birla Capital Loan Against Property, if they meet the eligibility criteria.