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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. 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.
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ICICI BankICICI Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
HDFC BankHDFC Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Axis BankAxis Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Kotak BankKotak Bank
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Bajaj FinservBajaj Finserv
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
IDFC First BankIDFC First Bank
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
CholamandalamCholamandalam
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh

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

Rates as of 15th April 2026

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?

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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/NBFCInterest Rates (% p.a.)Processing Fees
Aditya Birla Finance10.99 onwardsUp to 4%
Axis Bank9.99 onwards*Up to 2%
Bank of Baroda10.15-18.00Up to 2% (Max. Rs. 10,000)
Bajaj Finance Limited10.00-30.00Up to 3.93%
Bank of India10.85-16.15Up to 1% (Min. Rs. 250; Max. Rs. 15,000)
Bank of Maharashtra8.75-13.55Up to 1% (Max. Rs. 10,000)
Canara Bank9.70-15.15Up to 0.5% (Max. Rs. 5000)
Central Bank of India9.85-11.65Up to 1%
Cholamandalam IFC10.00-28.004% - 6%
Dhani Loans & Services Ltd.13.99 onwards3% onwards
Federal Bank12.00 - 22.50*Up to 2%
HDB Financial Services10.00 - 35.00Up to 5.90%
HDFC Bank9.99 onwardsUp to Rs 6,500
Hero FincorpUp to 30*2.3% - 3%
HSBC Bank9.75 onwardsUp to 2%
ICICI Bank9.99 onwardsUp to 2%
IDFC FIRST Bank9.99 onwardsUp to 2%
IIFL Finance12.00 - 28.002% - 9%
Indian Overseas Bank10.25 onwardsUp to 0.75%
IndusInd Bank10.35 onwards*Up to 3.5%
Kotak Mahindra Bank9.98 onwards*Up to 5%
L&T Finance11.00 onwardsUp to 3%
Mahindra Finance8.00 - 25.002% of loan amount or Rs. 5,000, whichever is lower
Mannapuram Finance18.00 - 24.001% of loan amount
Moneyview14.00 onwards2% onwards
Muthoot Finance13.50 onwardsVaries for each application
Piramal Finance12.14 onwardsUp to 5%
Poonawalla Fincorp9.99 onwardsUp to 3%
Punjab & Sind Bank9.60-13.850.50% - 1%
Punjab National Bank10.25-16.80Up to 1%
Shriram Finance11.00 onwardsUp to 5%
Tata Capital10.99 onwardsUp to 3.5%
UCO Bank9.95 - 13.20Up to 1% (Min. Rs. 750)
Union Bank of India8.75 - 12.55Up to 1% (Max. Rs. 7,500)

*Paisabazaar special rates


Note: Rates as of 1st July 2026

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.
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FAQs

What is the interest rate for Aditya Birla Personal Loan in 2026?

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

What is the maximum loan amount one can get from Aditya Birla Capital?

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

 What are the eligibility criteria for applying for an Aditya Birla Personal Loan?

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.

What is the number of Aditya Birla Personal Loan Customer Care?

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

How can I apply for an Aditya Birla Personal Loan online?

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

Can I use an Aditya Birla Personal Loan for any purpose?

Personal loans are unsecured loans and can be used for various purposes, such as medical expenses, travel, education, weddings, home renovation, or even debt consolidation, except speculative purposes.

What is the processing fee for Aditya Birla Personal Loans?

Aditya Birla charges a processing fee of up to 4% of the personal loan amount.

How to use the Aditya Birla personal loan EMI calculator?

Using the Aditya Birla Personal Loan Calculator is simple — enter your loan amount, interest rate, and tenure to view your estimated EMI instantly.

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What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

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Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

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.

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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

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 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.

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Puja DanuJan 22, 2026
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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