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Travel Loan
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
YEARS OF EXCELLENCE
ACTIVE CUSTOMER BASE
BRANCHES ACROSS INDIA
AUM AS OF JUNE, 2023
What is a Travel Loan?
Features of Travel Loans
Instant Loan Approval
Get quick approval for your travel loan with minimal paperwork.
Flexible Repayment Options
Choose a repayment tenure that best fits your financial plans.
No Collateral Required
Enjoy unsecured financing without pledging any assets.
Covers All Travel Expenses
Use the loan for flights, hotels, transport, shopping, and more.
Competitive Interest Rates
Benefit from attractive interest rates to make your trip affordable.
Easy Online Application
Apply at your convenience through a paperless process.
Reasons To Get a Travel Loan from ABC
Instant Loan Approval
Need a holiday loan? Travel Loans are processed quickly, allowing eligible applicants to receive loan approval in a short time. This helps you make timely travel bookings without any delays.
Flexible Repayment Options
Choose a repayment tenure that suits your budget and financial goals. Flexible EMI options make it easier to repay your tour loan while managing your other expenses.
No Collateral Required
A Travel Loan is typically unsecured, so you can borrow without pledging any asset as security. This simplifies the borrowing process for eligible applicants.
Covers All Travel Expenses
Use the loan to finance a wide range of travel-related costs, including flight tickets, accommodation, visa fees, travel insurance, local transportation, and other eligible travel expenses.
Competitive Interest Rates
Travel Loans are available at competitive interest rates based on your eligibility and credit profile. Affordable interest rates help keep your overall borrowing costs manageable.
Interest Rates Available for Travel Loan
Loans up to 12 months
| Loan Type | Interest |
|---|---|
| The Short Term Reference Rate (STRR) | 19.45% p.a. w.e.f.from March 1, 2024 |
Loans more than 12 months
| Loan Type | Interest |
|---|---|
| The Long Term Reference Rate (LTRR) | 20.45% p.a. w.e.f. from March 1, 2024 |
Who Can Apply For Travel Loan?
Find out if you are eligible for applying for a travel loan
Salaried
Self-employed Professional
Self-employed Non - Professional
How to Apply for a Travel Loan
Visit the Official Website
Check Eligibility
Fill Out the Application Form
Apply Online
Upload Documents
Submit the Application
Approval & Disbursal
Eligibility Criteria for Travel Loan
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 incomeSalary 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
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
Fees and Charges for Travel Loan
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual, if applicable |
| Pre-closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual, if applicable |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
ABC Of Calculators
Your estimated EMI amount
₹ 0Total Interest
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₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
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BALANCE TRANSFER LOAN
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Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
Different financial needs, different loans,
For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.
-
Range of loan options for different needs
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Quick sanctions and disbursals
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Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Customer Satisfaction Stories
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Aditya Birla Finance Customer
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 Housing Finance Customer
Belapur, India
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.
ABC Of Personal Loan