Aditya Birla Capital Personal Loan

With affordable interest rates and adjustable repayment terms, Aditya Birla Capital offers personal loans. There is little to no paperwork required in order to obtain a loan. Aditya Birla Capital with interest rates starting at 11.75%. A maximum loan of Rs.25,000 to 15 Lakhs with a maximum 0 to 3 year repayment period is available to you.

The personal loans offered by Aditya Birla Capitalhave low interest rates and flexible payback schedules. A loan can be obtained with little to no paperwork. Interest rates on personal loans from Aditya Birla Capital start at 10.49%, making them a great option for any of your urgent financial requirements. You may be eligible for a loan with a maximum amount of Rs 20,000 to Rs 1 crore and a maximum payback term of 6 months to 5 years.

Interest Rate 11.75%
Maximum Loan Rs.25,000 to 15 Lakhs
Processing Fees 2%
Maximum Loan Tenure 0 to 3 year

Loan Disbursal in 3 hrs*
100% Online Process

A Four-Step Guide to Efficient Financing

Complete Your Basic Details
Check Your Soft Eligibilty
Complete Your Details
Get Disbursal in account

Aditya Birla Capital Personal Loan EMI Calculator



% Interest



Total Payable

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.

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 Aditya Birla Finance website,, to begin the online application process.

  • After viewing the website, select Personal Loan from the menu.

  • As soon as you select the personal loan choice, all of the facts pertaining to this loan will be presented to you, which you must accurately read.

  • To apply, select the "Apply Now" link.

  • In front of you, a form will appear.

  • You must fill out some crucial information such as your name, phone number, email address, etc. before clicking "submit."

  • The bank will then get in touch with you to continue the financing procedure.

FinCrif 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.

  1.  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.

  1. 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  

  Types of Charges 


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

CIBIL report retrieval charges

Rs 100 + GST

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

Foreclosure Charges

For Term Loan: 4% of the principal outstanding + GST

For Flexi Personal Loan: 4% of the withdrawn amount + GST

Foreclosure is allowed only 12 months after the loan disbursal. Also know the processing fee for personal loan

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