Aditya Birla Personal Loan

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Aditya Birla Finance Limited provides personal loans starting from 13% per annum for salaried individuals. These loans are available for amounts of up to Rs 50 lakh and can be repaid over a period of up to 7 years. Aditya Birla Personal Loans are versatile and can be used to finance a range of personal needs, such as medical emergencies, education expenses, weddings, travel, home improvements, and the purchase of electronic and household items, among others.

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aditya birla Bank

Aditya Birla Bank

Max. Loan Amt.

Up to ₹50L

Rate of Interest

30% - 28%

Tenure up to

7 Years

Processing Fee

Upto 3%

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Max Loan Amount 100% Digital Process*
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Aditya Birla Personal Loan Interest Rates

Type Interest Rate (p.a.)
Minimum APR 13%
Maximum APR 28%

Aditya Birla Personal Loan Highlights
Interest Rate
  • Min. APR- 13% p.a.
  • Max. APR- 28% p.a.
Loan Amount Up to Rs 50 lakh
Tenure Up to 7 years
Processing Fees Up to 3% of the loan amount
Pre Approved Personal loan | Check Eligibility & Apply Online
Table of Contents
Comparison of Aditya Birla Finance Personal Loan and Other Lenders
Fees & Charges
EMI Calculator
Eligibility Criteria
Documents Required
FAQs

Banks/NBFCs Interest Rates(p.a.)
Axis Bank 10.49% onwards Apply Now
IndusInd Bank 10.49% onwards Apply Now
IDFC First Bank 10.49% onwards Apply Now
HDFC Bank 10.50% onwards Apply Now
ICICI Bank 10.50% onwards Apply Now
Kotak Mahindra Bank 10.99% onwards Apply Now
Tata Capital 10.99% onwards Apply Now
Bajaj Finserv 11.00% onwards Apply Now
Federal Bank 11.49% onwards Apply Now
DMI Finance 12.00% - 40.00% Apply Now
L&T Finance 12.00% onwards Apply Now
MoneyTap 12.96% onwards Apply Now
Piramal Finance 12.99% onwards Apply Now
Aditya Birla 13.00% onwards Apply Now
MoneyView 15.96% onwards Apply Now
Cashe 27.00% onwards Apply Now

Also read: Best Personal Loan Interest Rate

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Particulars Rates
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 disbursalAlso know the processing fee for personal loan

Also read: Best Personal Loan in India

Types of Aditya Birla Personal Finance

Aditya Birla Personal Loan

Purpose: Aditya Birla Finance provides personal loans to employed individuals for various personal needs like buying household or electronic items, covering education costs, funding weddings, handling medical emergencies, home improvements, and supporting travel plans

Loan Amount: Up to Rs 50 lakh

Tenure: Up to 7 years

Aditya Birla Flexi Personal Loan

Purpose: Aditya Birla Flexi Personal Loan is an overdraft facility for personal loans. With this option, applicants can access funds from their loan account up to a set limit, depending on their credit profile. They can then repay the loan as per their cash flow availability.

Tenure: Up to 7 years

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EMI Calculator -

Also read: Best Personal Loan EMI Calculator

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  • Age: Between 23 and 60 years.
  • Employment: The applicant must be a salaried individual.

Aditya Birla Finance may also take into account the applicant's monthly income, credit score, and the employer's profile, similar to the criteria used by other banks and NBFCs when determining personal loan eligibility.

Also read: Best Personal Loan Eligibility

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1. A completed application form with attached photographs of the applicants. 2. KYC (Know Your Customer) documents, including:
- ID proof - Address proof - Signature proof - Proof of office - Qualification proof
3. A non-refundable fee cheque. 4. Details of limits and loans availed. 5. A copy of your PAN card. 6. Repayment track record. 7. Bank verification form. 8. For refinance cases, the latest loan outstanding statement is required.

Additional Documents for Salaried

1. Last 3 months' salary slips or a salary certificate. 2. Last 6 months' bank statements, showing salary credited directly. 3. The latest Form 16.

Additional Documents for Self-employed/Professional/Partnership/Company

1. Financial documents for the past 2 years. 2. Partnership Deed/Memorandum of Association/Articles of Association (MOA/AOA). 3. Income Tax Returns (ITR) along with income computation, Balance Sheet, Profit & Loss statement, and schedules for the past two years. 4. Tax Audit Report. 5. A list of Directors/Shareholders, duly attested by Chartered Accountants (CAs) or Company Secretaries (CS). 6. VAT/Sales Tax returns for the current financial year. 7. The most recent 12 months' bank statements, including both business and savings accounts.

Also Read: Best Personal Loan Documents Required

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1. Do the applicants need any security or collateral while applying for Aditya Birla Personal Loan?

Personal loan applicants are not required to provide any security or collateral when applying for a personal loan with Aditya Birla Finance.

2. Can I choose between a fixed and floating rate of interest while applying for Aditya Birla Personal Loan?

Aditya Birla Finance provides personal loans with a fixed rate of interest.

Also read: Best Personal Loan Balance Transfer

3. Can self-employed individuals avail personal loan from Aditya Birla Finance?

Aditya Birla Finance offers personal loan to salaried individuals only.

4. Can the applicants club the income of the co-applicant to enhance the personal loan eligibility?

Yes, Aditya Birla Finance allows the applicants to club the income of the co-applicant while applying for personal loan.

Also read: Best Personal Loan Salaried Employees

5. At what minimum credit score can I avail Aditya Birla Personal Loan?

While Aditya Birla Finance has not specified a specific credit score cutoff for personal loan applicants, individuals with credit scores of 750 and above typically have a better chance of securing personal loans with lower interest rates.

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