Aditya Birla Capital Personal Loan

Aditya Birla Finance offers personal loans with easy paperwork and flexible options. The interest rate starts at 10% and can go up to 32% per year. You can get a loan of up to ₹15 lakh for things like travel, medical needs, or home repairs. You can choose to repay the loan over a period of up to 36 months, based on what suits you best.

Aditya Birla Capital Personal Loan
Zero Part-Payment Fee
100% Paperless Approval
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Loan Amount
Up to ₹50L
Interest Rate
10.99%
Tenure
7 Years
Processing Fee
3.00%
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Fees & Eligibility
Fees & Charges
  • If you close the loan early, you'll pay 4% of the remaining amount in the 1st year, 3% in the 2nd year, and 2% after that
  • There’s no fee for making part payments
Eligibility Criteria
  • You must be a full-time employee of Aditya Birla Financial Services Group
  • Your age should be between 23 and 60 years
  • Your monthly take-home income should be at least ₹45,000
Documents
  • KYC documents: PAN card, address proof, and ID proof
  • Income proof: Latest bank statement (6 months) and salary slip (3 months)
Features
What you'll love
  • No need for a guarantor
  • You can pay off the loan early, but only after 6 months
  • Option to make partial payments
Loan Benefits
- Loans are given quickly
- Flexible repayment period from 6 to 36 months
- No need to provide any security or collateral
- Get fast approval online
- Interest rates are affordable
- No paperwork needed for loan approval
- Easy and smooth application process
- Interest rate stays the same during the entire loan period
- Borrow up to ₹15 lakh
Proof of identity
You’ll need to provide an ID, such as your PAN card, Aadhaar card, or passport.
Proof of address
You’ll need to show proof of where you live, like your Aadhaar card, PAN card, or ration card.
Other documents
- ABFL will ask for your PAN card to check your credit history.
- ABFL may ask for your bank statements to offer you the best deal, but they can also make an initial offer without them.
- You might need to submit more documents as requested by Aditya Birla Finance.

Eligibility for Aditya Birla Finance Personal Loan

Before you apply for a personal loan with Aditya Birla Finance, you need to meet certain eligibility requirements:

  • For salaried individuals: You must have a regular job with a steady income.
  • For self-employed professionals and businesses: Business loans are available instead of personal loans.
  • Minimum Age: You must be at least 23 years old to qualify.

How Aditya Birla Finance Compares with Other Lenders

LenderInterest RateProcessing FeeForeclosure ChargesLate Payment Fee
Aditya Birla CapitalFrom 10% p.a.Contact the lender for more detailsNot Applicable (NA)NA
Bank of IndiaFrom 10.85% p.a.Contact the lender for more detailsNot Applicable (NA)Contact the bank for details
Kotak Mahindra BankFrom 10.99% p.a.5% of the final loan amount + taxes2% to 4% of the outstanding amount3% of the overdue amount per month
HDFC BankFrom 10.85% p.a. to 24% p.a.Up to Rs.6,500 + GST2% to 4% of the outstanding loan amount2% of the overdue amount per month