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Home LoanFind customised home loan solutions for your unique needs
Balance TransferFind a better interest rate for your existing home loan
Top up Home LoanGet a loan on your existing home loan to meet your needs
Loan Against PropertyTurn your assets into a financial ally
Personal LoanMeet all your dreams and needs with a collateral-free Personal Loan
Flexi LoanMake loan repayment flexible and hassle-free with Flexi Loans
Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
Long Term Personal LoanEnjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Are you eligible for a Personal Loan? Find out now!
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Secured Business LoanBoost your business with competitive rates & flexible terms
Line Of CreditGet anytime funds, quick approval, & ongoing support with Line of Credit
Working Capital LoanStrengthen your business cash flow with quick access to funds & flexible repayment options
Supply chain financing Solution - Invoice DiscountingImprove your cash flow & gain quick access to funds by discounting your invoices
Unsecured Business LoanFuel your business with fast approval & flexible terms
Construction FinanceOur solutions with Flexible funding, project requirements to drive construction forward.
Commercial Property PurchaseTurn your property vision into reality with flexible terms and competitive interest rates.
Lease Rental DiscountingSupporting real estate businesses in project completion
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CALCULATE NOWLoan Against SharesLeverage your investments with Loan Against Shares, while retaining ownership of your assets
Loan Against Mutual FundsUnlock the value of your investments while keeping your assets intact
Loan Against Life insurance PolicyGet loans for all your business needs at attractive rates
IPO financingSeize investment opportunities with IPO Financing to help you invest with ease.
Promoter FundingEmpower your business growth with financial solutions to support expansion & ownership
Project FinanceTurn your ideas into reality with flexible funding to support your vision from start to finish
Structured FinanceUnlock customized financial solutions designed to meet the unique needs of complex business projects
Working Capital Demand LoanKeep your business running smoothly with quick access to funds for day-to-day operations
Term LoanAchieve your business goals with flexible repayment options & competitive rates for long-term growth
Debt FundsDiversify your portfolio and reduce risk with Debt Funds
Equity FundsInvest smartly in Equity Funds to aim for higher returns
Hybrid FundsDiversify your portfolio and reduce your risk with a mix of equity and debt
Retirement FundsGoal-oriented fund with a lock-in period to create a corpus for retirement
Children’s FundsSecure your child’s financial future with solutions-oriented children’s funds
Exchange Traded FundsUnlock a smart, hassle-free way to invest in various assets
Fund Of FundsChoose the smart way to diversify risks and grow investments
Index FundsFollow the benchmark of smart investors to grow your wealth
All FundsExplore, Compare, and Invest in Top Mutual Funds
Calculate wealth creation through lumpsum investment in Mutual Funds
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Equity TradingInvest or trade in equity for attractive returns and long-term capital growth
Margin Trading FacilityGet up to 5X leverage on leading stocks & increase your trading power
BondsGive your portfolio stability with attractive returns
Start trading in equities and other securities. Grow your wealth with our Demat account.
Attractive returns
Term InsuranceBring security and peace to life’s unpredictability
Retirement PlansGet a guaranteed regular pension plus lump sum on plan maturity
Savings PlansGet a guaranteed regular pension plus lump sum on plan maturity
ULIP PlansGet the benefits of insurance & wealth creation in one convenient plan
Find out how much life insurance you need with our Human Life calculator
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Eye InsuranceProtect your vision with comprehensive eye insurance.
Dental InsuranceProtect your smile with comprehensive dental insurance and coverage plans tailored for you.
Hospicash InsuranceGet financial support with our hospital cash insurance for unexpected medical expenses.
Mental Health & Nutrition InsuranceGet the best mental health insurance online with ABCD Aditya Birla Capital today!
Personal Accident InsuranceSecure your future with our affordable personal accident insurance plans.
Tele OPD ConsultationsAccess convenient teleconsultation and video doctor consultations for your health needs.
Aditya Birla Capital LimitedAditya 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. ABCL and its subsidiaries/JVs 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 63,750 employees, the businesses of ABCL have a nationwide reach with over 1,712 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,712
No. of Employees
63,750+
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.50 Lakh Cr
Consolidated Lending Book
INR 1.78 Lakh CrCorporate 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
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- Our Digital Referral 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 Rates & Service Charges
- Discontinued Service provider list
- Terms & Conditions
- Fraud Awareness
- Archival Policy
Life Insurance
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Stocks & Securities
Credit TrackCheck your credit score and get tips on how to improve it
Health TrackHealthy living made easy with ABCD’s Digital Health Evaluation
Portfolio TrackBring your assets and liabilities under one platform
Spend TrackManage your money effectively with Spend Track.
Vehicle TrackCheck Vehicle & Car Insurance Status/Validity Online
Read about MoneyMoney management made easy
Read about TaxUnderstanding direct and indirect taxes
Read about Retirement PlanKnow how to plan retirement well
Read about InsuranceInsurance and it's aspects for laymen
Read about InvestingInvestments and their jargon - simplified
Read about Loans and FinancingKnow all about loans and their management
Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
Home Loan Eligibility CalculatorCalculate the expected EMI of your loan for easier repayments
BMI CalculatorIt measure your leanness or obesity basis your height and the weight.
Income Tax CalculatorCalculate the tax payable by you based on your income
SIP CalculatorEstimate the returns you can earn with your SIP investments
SWP CalculatorCalculate the Life Insurance cover you need to secure your family’s future
Experience ConseQuest- A game where your decisions drive your future.
Wisdom in Choices
Reasons To Get A Secured Business Loan
From Aditya Birla Finance Limited
Quick Turnaround Time
Secure the loan you need within a week of submitting the documents.
Quick Initial Assessment
We only consider the nature of the requirement, your repayment capability, and financial valuation.
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Solutions For Diverse Needs
From working capital to infrastructure improvement, setting up new units, and scaling production - solve anything.
Parameterised Lending
Customised loan terms based on specific criteria, streamlining the process for timely fund release.
Large Loan Amounts
Need a big loan? Get up to ₹25 Crore as a secured business loan from ABFL.
Who Can Apply For Secured Business Loan?
You can apply for a Secured Business Loan if you fall under one of these categories.
Proprietorship
Partnership
Public Limited Companies
Private Limited Companies
Get A Secured Business Loan In 5 Easy Steps
Secured Business Loan Eligibility
Before applying for a Secured Business Loan, ensure you qualify for it by checking your eligibility.
Eligibility criteria
- Nationality Indian citizen
- Minimum age for applying 21 years
- Maximum age at loan maturity 70 years
- Credit History Good
- Constitution Type Self-employed Individuals/Proprietorships/Partnerships/
Private Limited Business should be operating for a minimum period of 3 years.
Documents needed
- Proof of identity and address | Aadhaar Card and Business PAN
- Proof of business | Business should be at least 1 year old with valid business proof
- Bank statement | Current Account statement for 1 year
- Other financial documents | Audited financials and Income Tax Returns filed for the last 2 years
Business Loan Calculators
Get a clearer picture of your loan requirements before applying.
What is a Business Loan EMI Calculator?
A Business Loan EMI calculator computes your monthly loan repayment amount, helping you foresee and manage repayments conveniently. It also helps you make wise financial choices by ensuring you can afford the loan in the given loan period.
How does the calculator work?
The calculator estimates monthly payments based on the loan amount, expected interest rate, and the tenure of your selection. All you need to do is provide the required data and the calculator will take care of the rest.
Interest
Payout
Your EMI Details
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₹ 0Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Aditya Birla Capital Limited
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Capital Customer
Belapur, India
Aditya Birla Capital Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Capital Customer
Hyderabad, India
Different financial needs, different loans, one app - ABCD
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
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Choose a loan tailored for your business needs -
Simple online application process
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Quick loan disbursals with minimal documentation
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FAQs on Secured Business Loan
A secured business loan is a specialised financial product designed to meet the unique needs of small and medium-sized enterprises (SMEs). It involves the borrower providing collateral, such as assets or personal guarantees, to secure the loan.
If you're self-employed, whether as a professional or non-professional, such as a trader, proprietorship, partnership, or public or private limited company, you can easily apply for a Secured Business Loan.
A Secured Business Loan can support your business by covering working capital, investing in technology, improving infrastructure, setting up new units, or scaling up production for future demand
Cash deposits or withdrawals are not allowed directly from the loan account. All transactions must be conducted through cheques, ECS, NEFT, or RTGS.
Loan repayment can be conveniently managed with various repayment channels such as ECS and NACH or through a cheque favouring Aditya Birla Finance Limited.
If you’re unsure about whether you need a Secured Business Loan or not, make sure to check the following points:
- Immediate need for credit: In case you currently require accessible and affordable credit within a short timeframe.
- Project risks due to delayed payments: In case your business is experiencing challenges as larger corporations delay payments, posing a threat to the progress of your ongoing projects.
- Limited access: In case your business is currently lacking access to organised financial resources, hindering financial stability and growth.
- Looking for financial solutions: If you need both long-term strategic goals and short-term finance needs.
Access all your loan information and updates securely on ABFL Connect. Simply log in with your credentials by clicking here. The key features of ABFL Connect include effortless online disbursement requests, ECS mandate amendments, top-up loan requests, and applications for new loans.
Besides the interest rate, there are other charges associated with availing a business loan, like:
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Processing fees
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Cheque/ECS dishonour charges
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Swap Charges for replacement of post-dated cheques to ECS
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Swap charges for replacement of ECS to ECS
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Loan cancellation charges
Yes! Opting for secured loans can be advantageous due to their typically lower interest rates and higher borrowing limits. This option is particularly favourable if you are confident about your ability to make timely payments.
Yes, the collateral has to be more or at least equal to the loan amount of the collateral business loan amount.
ABC Of Business Loan
Our Other Product
Unsecured Business Loan
Get funds for your business growth in an instant—no need to queue up at a branch or wait for weeks.
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