Aditya Birla Capital Personal Loan – Check Eligibility, Interest Rate & Documentation

Instant Approval
Minimal Documentation
Flexible Tenure Options

Apply online for a Aditya Birla Capital personal loan and access quick funds with minimal paperwork. Compare eligibility, interest rates, and documents in one place. Ideal for home renovation, medical needs, education, weddings, travel, or debt consolidation. Enjoy fast approval, flexible tenure, and a smooth 100% digital process designed for convenience.

Interest Rate
Starting at 10.99 % onwards
Loan Amount
₹ 50 Lakhs
Processing Fees
2%
Loan Tenure
0 to 7 years
Check the offer

Get a Personal Loan upto ₹25 Lakh in 30 Minutes*

100% digital and secure process, 45% lower EMIs starting at ₹1104/Lakh, Pay interest only on what you use with flexi loan.

Instant e-KYC No collateral Flexible tenure Trusted partner
Approval in 2 minutes & Disbursal in 30 Mins*
Disclaimer: Fincrif India Pvt Ltd is not associated with Aditya Birla Capital for personal loans. Information here is for general guidance only. For official details, contact Aditya Birla Capital directly.
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 Finance Personal Loan Overview


Aditya Birla Finance Limited (ABFL) personal loan is a collateral-free, quick-disbursal credit solution for weddings, home renovation, medical emergencies, education, travel, and other personal expenses. This guide covers Aditya Birla personal loan eligibility, documents required, fees and charges, features and benefits, the application process, and FAQs to help you apply with confidence.

Eligibility Criteria for Aditya Birla Personal Loans

  1. Age: Applicant should be between 23 and 60 years at the time of application (within tenure end).
  2. Employment & Income (Salaried): Steady salary credited to a bank account; total work experience of 2+ years with 1+ year in current organization.
  3. Employment & Income (Self-Employed): Stable business history and verifiable income track record.
  4. Credit Score: Strong bureau profile preferred; 700+ improves approval odds and pricing.
  5. Employer Credibility (Salaried): Working with reputable organizations supports income stability.

Documents Required for Aditya Birla Personal Loans

  1. Proof of Identity (any one): PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
  2. Proof of Address (any one): Utility bill, Aadhaar, Passport, rental agreement, or valid government address proof.
  3. Income Proof (Salaried): Latest salary slips and Form 16.
  4. Income Proof (Self-Employed): Last 2 years’ ITR and audited financial statements.
  5. Bank Statements: Last 6 months of the account where salary/business income is credited.

Key Features and Benefits of Aditya Birla Personal Loans

  1. Loan Amount: Borrow from ₹1 lakh to ₹40 lakhs (based on eligibility and repayment capacity).
  2. Interest Rate: Starts at 13% p.a. and can go up to 28% p.a. depending on profile and loan specifics.
  3. Flexible Tenure: Choose 12 to 84 months for comfortable EMIs.
  4. No Collateral: 100% unsecured ABFL personal loan—no security/guarantor required.
  5. Quick Processing: Fast approval and disbursal directly to your bank account.
  6. End-Use Flexibility: Education, travel, home improvement, medical, weddings, appliances, and more.

Fees and Charges of Aditya Birla Personal Loans

  1. Processing Fee: Up to 4% of the sanctioned amount + applicable GST.
  2. Prepayment Policy:
    1. Allowed after 12 months from disbursement.
    2. Prepayment up to 20% of outstanding principal: No charges.
    3. Prepayment beyond 20%: Fee up to 4% on outstanding amount.
    4. Part-prepayment must be at least 3 EMI equivalents.
  3. Foreclosure Charges: Up to 4% of principal outstanding.
  4. Cheque/NACH Return Charges: ₹500 per instance + GST.
  5. Loan Cancellation Charges: 4% of the loan amount + taxes (statutory charges/interest for the utilized period may apply).
  6. Default Charges: 3% per month (36% p.a.) on overdue amounts.
  7. CIBIL Report Retrieval: ₹50 (consumer) and ₹500 (commercial) per report.
  8. Stamp Duty & Insurance: As per actuals (state-wise stamp duty and optional insurance premium if opted).

Application Process for Aditya Birla Personal Loans

  1. Online Application: Apply online at fincrif.com for an ABFL Personal Loan.
  2. Document Submission: Upload or submit required KYC, income proofs, and bank statements for verification.
  3. Verification: ABFL reviews the application and documents; additional details may be requested.
  4. Loan Approval & Disbursal: On approval, funds are disbursed to your registered bank account.

Frequently Asked Questions (FAQs)

  1. What is the maximum Aditya Birla personal loan amount?
    1. You can borrow up to ₹40 lakhs, subject to eligibility and profile.
  2. How is the Aditya Birla personal loan interest rate decided?
    1. Rates start at 13% p.a. and depend on credit score, income, repayment capacity, and obligations.
  3. Can I prepay my ABFL personal loan?
    1. Yes, after 12 months, charges apply only if you prepay beyond 20% of outstanding within a year and as per policy.
  4. Which documents are required?
    1. Identity proof, address proof, income proof (salary slips/Form 16 or ITRs/financials), and last 6 months’ bank statements.
  5. Is collateral required for an Aditya Birla Finance personal loan?
    1. No. The loan is unsecured—no collateral or guarantor is needed.

Why Choose Aditya Birla Personal Loans?

  1. Reliable NBFC: Strong parentage under Aditya Birla Capital.
  2. Competitive Pricing: Tailored ABFL personal loan rates and tenures.
  3. Fast Turnaround: Quick processing and seamless disbursal.
  4. Flexible Usage: Multipurpose loan with end-use freedom.
  5. Transparent Charges: Clear fees with no hidden surprises.

Tips for a Successful Loan Application

  1. Maintain a Good Credit Score: Pay EMIs/credit card dues on time to improve approval odds.
  2. Prepare Documents: Keep KYC, income proofs, and bank statements ready for faster processing.
  3. Choose Sensibly: Pick a loan amount and tenure that keep EMIs affordable.
  4. Provide Accurate Details: Mismatches can delay or derail approval.
  5. Read Terms Carefully: Review the fees and charges of the Aditya Birla personal loan before signing.

Important Note

All Aditya Birla Finance personal loan details—eligibility, documents, interest rates, fees, and policies—are subject to change and individual credit assessment. Refer to the latest ABFL sanction terms and the official schedule of charges for accurate, up-to-date information.

EMI Calculator

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A Multi-Purpose Loan EMI Calculator helps you estimate your monthly repayment amount before applying for a loan. Whether it’s for education, travel, wedding, home renovation, or business needs—know your EMI and plan smarter.

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