Aditya Birla Personal Loan

Aditya Birla Capital offers personal loan with interest rate starting from 10.99% p.a. for loan amounts of up to Rs....

Aditya Birla Capital offers personal loan with interest rate starting from 10.99% p.a. for loan amounts of up to Rs. 40 lakhs with repayment tenure up to 7 years. Aditya Birla personal loan offers quick and simple loan application process with easy EMI options and seamless access to funds. You can easily apply for Aditya Birla Capital persoanl loan online through Paisabazaar.

Quick Approval and Disbursal

Get instant approvals and disbursals

Attractive Interest Rates

Get the best personal loan interest rate

End-to-End Digital Processes

End-to-end digital journey

Assitance at Every Step

Easy application with minimum paperwork

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Quick Approval and Disbursal

Get instant approvals and disbursals

Attractive Interest Rates

Get the best personal loan interest rate

End-to-End Digital Processes

End-to-end digital journey

Assitance at Every Step

Easy application with minimum paperwork

Calculate Your Personal Loan EMI

Select Your Bank

Enter Loan Amount

₹

50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

Find Best Personal Loan Offers

Sort by:

HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

Quick Links

Aditya Birla Capital Personal Loan

Features of Aditya Birla Personal Loan

Aditya Birla Personal Loan Interest Rates

Eligibility Criteria for Aditya Birla Personal Loan

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Aditya Birla Capital Personal Loan

Aditya Birla Capital offers personal loans to salaried individuals at competitive interest rates.
Prospective borrowers can get a loan up to Rs. 40 lakh for a tenure up to 7 years.
Borrowers can apply for an Aditya Birla Personal loan through Pasiabazaar and get quick approval.
The loan can be used for various purposes, including weddings, travel, education, medical expenses and more.
Applicants can also club the income of a co-applicant to boost their eligibility.
The NBFC has also tied up with Paisabazaar to offer pre-approved personal loans to its select customers.

Features of Aditya Birla Personal Loan

Interest Rates: 10.99% p.a. onwards
Loan Amount: Up to Rs 40 lakh
Tenure: Up to 7 years
Mode: Digital, completely paperless
Processing Fees: Up to 4% of the loan amount

Aditya Birla Personal Loan Interest Rate

Aditya Birla personal loan interest rate starts from 10.99% p.a., based on eligibility. Multiple factors, including age, monthly income, credit score, etc., will determine your exact personal loan interest rate.

Factors influencing Aditya Birla Capital personal loan interest rate:

Age of the applicant
Monthly Income of the Applicant
Credit score and repayment history
Loan amount and tenure

Loan approval tip:

Keeping these in check increases your chances of loan approval.

Aditya Birla Personal Loan eligibility

To be eligible for an Aditya Birla Finance personal loan, the applicant should:

Be aged between 21-60 years
Be an Indian Resident
Be salaried or self-employed individuals
Have a minimum monthly income of Rs 15,000
Have a credit score of 700 or above.
Have an active salary or savings account
Have a strong and stable financial history and repayment track.

Also Read: How to Calculate your Personal Loan Eligibility?

Avail Personal Loan for
All Your Needs

Documents Required for Aditya Birla Personal Loan

Last 3 months’ salary slips or salary certificate
Last 3 months’ bank statement
Adhaar, PAN Card, Passport or Voter ID for identity proof
Utility bill, rental agreement or adhaar card for address proof

Types of Personal Loans offered by Aditya Birla Capital

Aditya Birla Personal Loan

Purpose: Aditya Birla Capital offers personal loans to salaried individuals to finance their personal requirements, such as purchase of household or electronic goods, education, wedding expenses, medical emergencies, home improvement and travel.
Loan Amount: Up to Rs. 40 lakh
Tenure: Up to 7 years

Aditya Birla Flexi Personal Loan

Purpose: Aditya Birla Flexi Personal Loan is a Personal Loan Overdraft facility wherein the applicants can withdraw money from the loan account within the pre-determined limit based on their credit profile and report. The applicant can then make repayment as per the availability of cash flow.
Loan Amount: Not specified
Tenure: Up to 7 years

Instant Personal Loan

Purpose: Aditya Birla Capital offers an instant personal loan with minimal documentation and an easy application process. The NBFC claims to disburse loans within a few hours of the application.
Loan Amount: Up to Rs. 5 lakh
Tenure: Not specified

Aditya Birla Personal Loan Fees and Charges

Processing Fee	Up to 4% of the loan amount
Pre-closure Quote	Rs. 1,000 + GST per instance
Cheque Return Charges	Rs. 1,000 + GST per instance
Stamp Duty	As per actuals if applicable
Loan reschedule charges	Rs. 5,000 + GST per instance
Penal charges for non-payment of EMIs	3% on the overdue amount per month (36% p.a.)
Penal charges for non-compliance with material terms and conditions (covenants/stipulated conditions) mentioned in the Sanction Letter or Loan Agreement, wherever applicable	2% p.a. on the outstanding loan amount till the date of compliance
Insurance premium	As per actuals
CIBIL report retrieval charges	Rs. 50 per instance for Consumer; Rs. 500 per instance for commercial CIBIL/Credit Report
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- Up to 4% on the remaining loan amount + GST No prepayment allowed in the first 12 months from the date of disbursement Part pre-payment 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 the loan facility towards limit reduction is not available
Foreclosure Charges	For Term Loan: Up to 4% of the principal outstanding For Flexi Personal Loan: Up to 4% of the withdrawn amount Foreclosure is allowed only after 12 months of the loan disbursal

How to apply for an Aditya Birla personal loan online

You can apply for an Aditya Birla personal loan either through the official Aditya Birla website or through Paisabazaar. To apply for a personal loan through Paisabazaar, follow the steps below:

Step 1: Visit Paisabazaar on the web or app.
Step 2: Enter your mobile number in the application form.
Step 3: Fill in your personal details.
Step 4: Enter OTP to verify your mobile number.
Step 5: Select the loan amount and loan purpose.
Step 6: Check and compare the personal loan offers from multiple banks/NBFCs and apply for the best-suited personal loan option.

Applying through Paisabazaar allows you to

Compare the Aditya Birla Personal Loan offer with 30 other lenders.
Check your eligibility, fast and easy.
Get access to competitive interest rates.
Enjoy end-to-end processing and instant disbursal.

Aditya Birla Capital Personal Loan vs Other NBFCs

NBFCs	Aditya Birla Capital	Poonawalla Fincorp	Piramal Finance	Tata Capital
Rates	10.99% p.a. onwards	18%-36% p.a.	12.09% p.a. onwards	11.99% p.a. onwards
Processing Fee	Up to 4% of the loan amount	Up to 3% of the loan amount	Up to 5% of the loan amount	Up to 1.25% of the loan amount
Max. Loan Amount	Up to Rs. 50 lakh	Up to Rs. 50 lakh	Up to Rs. 25 lakh	Up to Rs. 35 lakh
Min. Monthly Salary Required	NA	Rs. 30,000	Rs. 25,000	Rs. 15,000

Who Should Opt for an Aditya Birla Personal Loan?

An Aditya Birla Personal Loan is ideal for individuals seeking quick, flexible, and paperless access to funds. You should consider opting for this loan if you:

Need instant access to funds for personal or emergency expenses like medical needs, weddings, home renovation, travel, or education.
Prefer a completely digital and hassle-free process, with minimal documentation and quick disbursal.
Have a good credit score (750 or above) and want to leverage it for competitive interest rates and higher approval chances.
Are looking for a collateral-free loan of up to Rs. 50 lakh
Are looking for options with flexible repayment tenure (up to 7 years).

Aditya Birla Capital Personal Loan vs Other Lenders

Bank/NBFC	Interest Rates (% p.a.)
Aditya Birla Finance	10.99 onwards
Axis Bank	9.99 onwards*
Bank of Baroda	10.15-18.05
Bajaj Finance Limited	10.00-30.00
Bank of India	10.85-16.15
Bank of Maharashtra	8.75-13.55
Canara Bank	9.70-15.15
Central Bank of India	9.85-11.55
Cholamandalam IFC	10.00-28.00
Dhani Loans & Services Ltd.	13.99 onwards
Federal Bank	12.00 - 22.50*
HDB Financial Services	10.00 - 35.00
HDFC Bank	9.99 onwards
Hero Fincorp	Up to 30*
HSBC Bank	9.95 onwards
ICICI Bank	9.99 onwards
IDFC FIRST Bank	9.99 onwards
IIFL Finance	12.75 - 44.00
Indian Overseas Bank	10.25 onwards
IndusInd Bank	10.35 onwards*
Kotak Mahindra Bank	9.98 onwards*
L&T Finance	11.00 onwards
Mahindra Finance	8.00 - 25.00
Mannapuram Finance	18.00 - 24.00
Moneyview	14.00 onwards
Muthoot Finance	14.00 - 22.00
Piramal Finance	12.14 onwards
Poonawalla Fincorp	9.99 onwards
Punjab & Sind Bank	9.60-13.85
Punjab National Bank	10.25-16.80
Shriram Finance	11.00 onwards
Tata Capital	10.99 onwards
UCO Bank	9.95 - 13.20
Union Bank of India	8.75 - 12.55

Aditya Birla Personal Loan Customer Care Number

Prospective borrowers can contact Aditya Birla Capital for any loan-related queries or assistance in the following ways:-

Call 1800 270 7000, or
Write to finance@adityabirlacapital.com, or
WhatsApp “Hi” to +91 8828800031, or
Log in through the ABC One portal on the official Aditya Birla Capital website.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

FAQs

Aditya Birla Finance offers personal loans with interest rates starting at 10.99% p.a, depending on your credit score, income, and other factors.

Aditya Birla Capital offers a personal loan of up to Rs. 40 lakh, depending on your credit profile.

Aditya Birla personal loans are offered to Indian residents aged between 21 and 60 years. Both salaried and self-employed applicants with a credit score of 750 or above can apply for the personal loan. Additionally, applicants should have a stable financial background with a consistent income and a strong repayment track record to improve their chances of loan approval.

Aditya Birla Capital Personal Loan Customer Care number is: 1800 270 7000 (toll-free)

You can apply for an Aditya Birla personal loan online through their website or through Paisabazaar.

Personal Loan Articles

Importance of No Dues Certificate in Personal Loan Closure

Paisabazaar02 Sept 2025

Loan rejected despite high income? Here’s what you need to know

Paisabazaar19 Aug 2025

Personal Loan for First Time Borrowers: What Customers Must Know

Paisabazaar04 Aug 2025

How I Saved Rs 22,000 on My Personal Loan through Prepayment

Bhumika Khandelwal31 Jul 2025

How Have Personal Loans Advanced Over the Past few Years

Paisabazaar17 Jul 2025

Factors To Consider While Selecting a Personal Loan Lender

Paisabazaar16 Jul 2025

Instant Personal Loan Apps: Avoid These 5 Pitfalls

Bhumika Khandelwal16 Jul 2025

Reasons for Delay in Personal Loan Processing

Paisabazaar09 Jul 2025

APR vs Interest Rate in Personal Loans: What’s the Difference?

Bhumika Khandelwal07 Jul 2025

Tips to Choose an Ideal Personal Loan Tenure

Paisabazaar07 Jul 2025

View All Articles

What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

View All Testimonials

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners

*Applicable for selected customers

Check Best Personal Loan Offers
with Quick Disbursal