Aditya Birla Capital Personal Loan

Salary earners can apply for Aditya Birla Personal Loan interest rates starting at 13% p.a. for loan amounts up to Rs. 50 lakh and terms up to 7 years. Aditya Birla Personal Loans are available to finance a wide range of personal needs, such as unexpected medical expenses, child's education, wedding, travel, home improvement, and the purchase of electronics and other household items, among others.

Feature and Benefits of Aditya Birla Capital Personal Loan 

Aditya Birla Capital Loan has the features listed below:

Purpose of the loan : The loan's intended use is not specified, so it may be utilized for any reason. You can use it to pay off debt, remodel your current home, pay for a wedding or other special occasion, go on a trip, buy high-end consumer durables, and more.

Loan amount: The loan amount ranges between Rs. 50 lakhs and Rs. 100 lakhs, based on the borrower's income, credit score, and ability to repay the loan.

Interest rate: A 14% annual percentage rate is the starting point for the loan's interest.

Loan repayment: A seven-year maximum repayment time is required.

Security : Obtaining this loan does not need the posting of any collateral security.

Processing fees : Up to 2% of the loan amount is charged in processing costs.

Process of applying Aditya Birla Capital Personal Loan 

The steps listed below should be followed if you're intending to apply for Aditya Birla Capital online personal loan :

• • Visit the official website Fincrif.com .

  • Firstly , login with your name and number .

  • Then fulfill your employment type.

  • Verify OTP.

  • Upload all the documents and submit .

  • Last , you will get a call from the Fincrif team and help you to proceed next.

Frequently Asked Questions ( FAQ ) 

1. What is the Aditya Birla Personal Loan's accessible repayment option?

ANS. Up to 7 years may pass before the personal loan is repaid.

2.  Is the interest rate negotiable and what is the rate?

ANS. On a case-by-case basis, the interest rate will start at 14% per annum. The answer is based on factors like income, ability to repay, and credit score. In a nutshell, the applicant's creditworthiness will determine the interest rate that will be charged. The best price can be negotiated if all the conditions are met.

3. For an Aditya Birla Personal Loan, should either collateral security or a personal guarantee be offered?

ANS. For an Aditya Birla Personal Loan, neither a personal guarantee nor collateral security are required.

Eligibility Criteria for Aditya Birla Capital Personal Loan 

Here are the list of Aditya Birla Personal Loan eligibility: 

• The applicant's age should range from 23 to 60.

• The candidate must be a salaried person who receives income through a bank account.

• The individuals ought to work for reputable businesses.

• To assure income stability, one must have a minimum of two years of work experience.

• The candidate should not have a history of missed loan payments and should have a strong CIBIL rating, preferably over 700.

Fees and Charges of Aditya Birla Capital Personal Loan