Paisabazaar Logo - Compare loans and credit cards

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.

Check Personal Loan Offers Online

Customer Rating

4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

Paisabazaar Exclusive Benefits

Icon image of Loans in Minutes

Loans in Minutes

Get instant approvals and disbursals

Icon image of Borrow at Best

Borrow at Best

Get the best personal loan interest rate

Icon image of Everything Digital

Everything Digital

End-to-end digital journey

Icon image of Minimal Documentation

Minimal Documentation

Easy application with minimum paperwork

Illustration

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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

Quick Links

Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

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

Aditya Birla Capital Personal Loan

Aditya Birla Capital offers instant personal loans to individuals to meet their various financial needs, including emergencies, wedding expenses, education, travel, etc. 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

Avail Personal Loan Banner

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

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

Swipe to see more table data

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 Bank

Banks/NBFCs Interest Rates (p.a) Processing Fees
HDFC Bank 9.99% - 12.5% Rs. 3499 to Rs. 6500
Axis Bank 9.99% onwards Up to 2%
ICICI Bank 11 % - 13.0 % Up to 2%
Kotak Mahindra Bank 9.98% - 17.2% 1.1% - 1.5 %
IndusInd Bank 10.35% - 16.5% 1.3% - 2 %
IDFC FIRST Bank 9.99% onwards Up to 2%
Federal Bank 12.0% - 19.5% Up to 2%
YES Bank 13% - 16% 1.5% - 2.25%
Aditya Birla Finance 10.99% onwards Up to 4%
L&T Finance 11.00% onwards Up to 3%
Hero Fincorp 19.75% - 30.00% 2.3%-3%
Moneyview 14%-36% Up to 2%

Note: Interest Rate as on 8th October, 2025.

Swipe to see more table data

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 Aditya Birla Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

Avail Personal Loan For
All Your Needs

Avail Personal Loan Banner

FAQs

quotes icon

What our customers say

Best marketplace to shop for loans

I highly recommend Paisabazaar app to everyone looking out for personal loans. The customer support is so supportive and follows up with you throughout the loan process.

icon image of avatar
Shweta SinghNov 13, 2025

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

icon image of avatar
Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

icon image of avatar
Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

icon image of avatar
Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

icon image of avatar
Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

icon image of avatar
Priyanka SharmaOct 15, 2025

Pre-approved offers

I logged in to Paisabazaar app and saw pre-approved offers as per my credit profile from different lenders. I could avail the offer easily and got quick disbursal in as less as 24 hours without any hassle.

icon image of avatar
Sunanda MishraSep 28, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

icon image of avatar
Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

icon image of avatar
Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

icon image of avatar
Vivaan ShahSep 24, 2025
View All Testimonials
Vandana Punj profile
Written ByLinkedIn icon
Vandana Punj
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

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

*Applicable for selected customers