TATA CAPITAL
Check Eligibility, Get Instant Approval in 2 minutes and Disbursal in 3 Hrs*
10.99% - 29.00%
Upto 3.00%
Upto Rs.35L
Upto 6 Years
Apply Online for Aditya Birla Capital Personal Loan
Apply online for an Aditya Birla Capital and experience quick, hassle-free approval with minimal documentation. Aditya Birla Capital is designed to meet your financial needs, whether for home renovation, medical expenses, travel, or debt consolidation.
- Interest Rate 10.99% onwards
- Maximum Loan ₹ 50 Lacs
- Processing Fees 3%
- Maximum Loan Tenure 0 to 7 years
1+ Million
Happy Customers
Rs. 250+ crore
Monthly Personal Loans Disbursal
Wide Range of 60+
Partner Banks & NBFCs
Support team 700+
Team Size of Experts
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.
Documents Required for Aditya Birla Capital Personal Loan
Aditya Birla Capital Finance Loan applicants must provide the following documentation:
Aadhar cards, voter identification cards, driver's license, utility bills, and other documents serving as address proof are examples.
PAN cards, Aadhar cards, passports, voter identification cards, driving licences, etc. are examples of photo ID proof.
Income documentation, such as the most recent pay stubs, an ITR, etc.
Bank statement for the account where the salary is being credited for the previous six months.
Fees and Charges of Aditya Birla Capital Personal Loan
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 3% of the loan amount |
| Pre-closure Charges | Rs 1,000 + GST |
| Cheque Return Charges | Rs 500 + GST |
| CIBIL Report Retrieval Charges | Rs 100 + GST |
| Stamp Duty | As per actuals |
| Loan Cancellation Charges | 4% of loan amount + GST |
| Default Penal Charges | 3% of pending amount per month |
| Insurance Premium | As per actuals |
| Part Pre-payment Charges |
For Term Loan Facility: If part pre-payment is equal to 20% of the total amount disbursed: NIL If part pre-payment is greater than 20% of the total amount disbursed: 3% + GST No prepayment allowed in the first 12 months from the date of disbursement Part prepayment amount should be greater than or equal to total 3 EMIs For Flexi Personal Loan: No charges for payment through mobile apps/portal Part prepayment of loan facility towards limit reduction is not available. |
Fees and Charges of Aditya Birla Capital Personal Loan
Salary earners can apply for Aditya Birla Personal Loan with interest rates starting at 13% p.a., for loan amounts up to ₹ 50 lacs and terms up to 7 years. These loans can be used for a variety of personal needs like medical expenses, education, weddings, travel, home improvement, and purchasing electronics or other household items.
Features and Benefits of Aditya Birla Capital Personal Loan
- Purpose of the Loan: The loan can be used for any purpose, such as paying off debt, home renovation, wedding expenses, travel, or buying consumer durables.
- Loan Amount: You can borrow between ₹ 50 lacs and ₹ 100 lacs, depending on your income, credit score, and repayment capacity.
- Interest Rate: The interest rate starts at 14% p.a..
- Loan Repayment: The repayment tenure can extend up to 7 years.
- Security: No collateral or security is required to obtain this loan.
- Processing Fees: A processing fee of up to 3% of the loan amount is charged.
Frequently Asked Questions (FAQ)
-
What is the repayment tenure available for Aditya Birla Personal Loans?
Ans: The repayment period for personal loans can be up to 7 years.
-
Is the interest rate negotiable, and what is the base rate?
Ans: The interest rate starts at 14% p.a. and is determined on a case-by-case basis, depending on factors like income, repayment capacity, and credit score. If the applicant meets all conditions, the rate can be negotiated.
-
Do I need collateral security or a personal guarantee for an Aditya Birla Personal Loan?
Ans: No, Aditya Birla Personal Loans do not require any collateral or personal guarantee.
1+ Million
Happy Customers
Rs. 250+ crore
Monthly Personal Loans Disbursal
Wide Range of 60+
Partner Banks & NBFCs
Support team 500+
Team Size of Experts
Aditya Birla Capital Personal Loan EMI Calculator
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