ABCD App - Everything Finance As Simple As ABCD
Experience the power of comprehensive financial management with ABCD Aditya Birla Capital, the ultimate app designed to cater to all your financial and investing needs. Whether it's making online bill payments or recharges, protecting your future with personalized insurance plans, investing wisely in stocks, mutual funds, securities, or securing loans for your dreams, we've got you covered.
UPI Payments
Send/receive money with ease or scan QR Code at any shop to pay using your ABCD UPI ID
Multi-Pay
Never abort transactions when short on money. Transfer money from one bank account to another or divide the amount with multiple accounts. Complete payment transactions securely.
UPI International
Make international payments quickly & easily.
Activate Rupay Credit Card
Link any RuPay Credit Card to enable UPI transactions!
Online Bill Payments
Make electricity bill payments online along with other monthly utilities such as water, LPG, etc.
- Online Mobile Recharge: Find all top billers such as Jio, Airtel, Vi etc. for mobile recharge
- FASTag Recharge: Recharge your FASTag on-the-go easily & enjoy hassle-free travel
INSURE Your Future
Get personalized insurance recommendations tailored to your unique needs
GET LOANS For Every Need
We understands that life's milestones often require financial assistance quickly & on easy terms. Realize your dreams & aspirations with easy access to a wide range of flexible & affordable loan options including personal, home, & SME finance solutions only on ABCD
Highlights of Personal Loan
- Loan Amount: Minimum of ₹25,000 to Maximum of ₹5 lakhs
- Repayment Tenure: Minimum of 12 months to Maximum of 60 months
- Rate of Interest: 10.99% to 30% p.a.
- Processing Fees: 1% to 3.5% + 18% GST (of processing fee)
- Flexible repayment option
- No collateral required
Lending Partner: Aditya Birla Capital Limited.
Note:
1 - The repayment tenure is greater than 60 days for all loan applications
2 - Annualized percentage rate (APR) including interest, costs and fees is less than 36% per annum.
Personal Loan for Salaried Individuals (E.g.):
- Loan Amount: ₹1,00,000
- Tenure: 18 months
- Rate of Interest (interest rate on reducing balance method): 18.5% per annum
- Processing Fee (1-2%):₹1000-₹2,000
- GST on Processing Fee (18%): ₹360
- Total Interest: ₹14,880
- APR (Annualized Percentage Rate): 21.72% per annum
- Amount Disbursed: ₹97,640
- EMI: ₹6,404
- Total Repayment Amount: ₹1,14,880
INVEST Smartly
Unlock a world of opportunities by investing smartly in stock, mutual funds & securities on our user-friendly platform to grow your wealth & secure your future.
Plan Your Finances
Take control of your financial & investment journey with Value Added Services on ABCD. Plan for goals, budget effectively, & track your progress seamlessly. With free access to credit score insights, digital health evaluations, financial articles & resources, EMI and SIP calculators, & a range of My Tracks that can help you plan your investments in stock, mutual funds, insurance & more
Disclaimer: Digital Health Evaluation feature offered under ABCD app provides indicative information around User's fitness & wellness only. It is not a medical device or an oximeter & does not diagnose, treat, cure, monitor, or prevent any medical conditions. This app should not be used as a substitute for professional medical advice.
Pan India Reach
Aditya Birla Capital is your financial partner, serving customers across India. Whether you're a young professional or an investment pro, our platform caters to your unique financial & investing needs be it stock, loan, mutual funds or insurance.
Get started with ABCD Aditya Birla Capital
Looking for a one-stop solution for all your financial needs? Look no further than the ABCD app by Aditya Birla Capital. This sleek and intuitive app offers a comprehensive suite of financial services, including Personal Loans, Business Loans, Home Loans, Credit Cards, and even Credit Scores. Navigating through the app is a breeze, thanks to its seamless design and user-friendly interface. Whether you're applying for a loan, checking your credit score, or using one of the handy financial calculators, everything is just a few taps away. One of the standout features of the ABCD app is its versatility. Whether you're a seasoned investor or just starting to manage your finances, you'll find tools and resources tailored to your needs. Plus, the app's robust security measures ensure that your sensitive financial information remains safe at all times. Overall, the ABCD app by Aditya Birla Capital is a must-have for anyone looking to take control of their finances. With its comprehensive range of services and seamless user experience, it's sure to become your go-to financial companion.
Developer Response
Hello Amogh, your 5-star rating fills us with gratitude and pride. Rest assured, we're fully committed to sustaining this level of excellence and ensuring your continued satisfaction. Thank you for being such an incredible supporter of our work!
Worse than Worst customer service
Pasha.we
Their Application doesn’t work, their Customer Service Team will tell you that they can’t do anything as your concern is the job of their backend team and ask you to wait. Their backend team will never reply to your email and when they do, they would not even check you account and payment history. I have cried tears of blood after taking loan from them. I paid them the amount for Foreclosure of the personal Loan in two instalment, one on 13th October 2025 and the other on 14th October 2025. They sent me an email on 7th November stating that there is a Shortfall in the amount I sent to their account — I almost had a heart attack. Then I again sent the receipt of the payments in the reply to their email and haven’t received any response since then. It’s 9th November today and I’m anxiously waiting for their response. Their customer service team says that, “we cannot do anything as we don’t have access in the system”. Take a loan from them and be ready to cry with tears of blood. Their Customer service will always try to avoid you by saying the same statement in a loop, “Please wait for sometime, our backend team is working on your request” and you will end up waiting forever. God bless all those who have taken a loan from Aditya Birla Capital Finance 😰
Developer Response
Hi there, to help us look into your concern and assist you better, please share your loan account number, registered email ID and contact number with us via X DM https://t.co/h8wTulViay. We’ll review the details and get back to you promptly. ~ Raj
All-in-One Financial Hub!
rockysince1998
This app is a game-changer! With its seamless integration of payments, loans, investments, and insurance all in one platform, managing finances has never been easier. Whether I'm paying bills, exploring investment opportunities, or applying for loans, everything I need is right at my fingertips. The user interface is intuitive, making navigation a breeze, and the security measures in place give me peace of mind. Plus, the customer support is top-notch, always ready to assist. If you want to streamline your financial life, look no further than this app. Highly recommend!
Developer Response
Hello Rocky, we're thrilled to receive a 5-star rating! Meeting your expectations means the world to us, and we're committed to maintaining our high standards. Thank you for your incredible support! ~ Sifat
Best app in this segment.
Rushikesh sawant09
ABCD app has truly exceeded my expectations! From its user-friendly interface to its wide range of features, I've found it to be an invaluable tool for managing my daily tasks. The dialer and health check functionalities are especially impressive and have streamlined my routine. I highly recommend ABCD app to anyone looking for a top-notch mobile experience. Five stars all the way
Developer Response
Thank you so much for your awesome feedback! We're thrilled to hear it's been such a valuable tool for you, especially with the dialer and health check features. Your recommendation means a lot to us! Cheers for the five stars!🌟
Regulatory compliance updates and policy-aligned enhancements
Bug fixes and UI refinements across key user journeys
Improvements to loan, portfolio, and investment experiences
Analytics and engagement enhancements for better insights
Security and performance improvements
Version 2.4.9
The developer, Aditya Birla Capital Digital, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Location
Contact Info
Contacts
User Content
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Aditya Birla Capital Digital Limited
Size
404.9 MB
Category
Finance
Compatibility
Requires iOS 15.6 or later.
iPhone Requires iOS 15.6 or later.
iPod touch Requires iOS 15.6 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
