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Aditya Birla Personal Loan

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Aditya Birla Capital offers instant personal loans to individuals to meet 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. Aditya Birla personal loan application process is fully digital, providing fast and convenient access to funds along with flexible EMI options and competitive interest rates starting from 10.99% p.a.

Get up to ₹1,000* Voucher on disbursal

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Updated: 07-07-2025 09:03:45 AM

Features of Aditya Birla Personal Loan

Following are the 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 Rates

The personal loan interest rate from Aditya Birla 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 the rate of interest of personal loans:

  • 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.

Eligibility Criteria for Aditya Birla Personal Loans

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

  • Be aged between 21 to 60 years
  • Be an Indian Resident
  • Be salaried or self-employed individuals
  • Have a credit score of 750 & above.
  • Have a strong and stable financial history and repayment track.

Documents Required for Aditya Birla Personal Loan

  • Last 3 months’ salary slips or salary certificate
  • Last 3 months’ bank statement
  • KYC documents

Comparison of Personal Loan Interest Rates of Top Lenders

Banks/NBFCs Interest Rates(p.a.)
Bajaj Finance10% - 31% p.a.
Axis Bank9.99% onwards
IndusInd Bank10.49% onwards
IDFC First Bank10.99% onwards
HDFC Bank10.85% onwards
ICICI Bank10.80% onwards
Kotak Mahindra Bank10.99% onwards
Tata Capital11.99% onwards
Federal Bank11.49% onwards
DMI FinanceUp to 24%
L&T Finance11.00% onwards
Kreditbee16.00% - 29.95%
MoneyTap13.00% onwards
Piramal Finance12.90% onwards
Aditya Birla10.99% onwards
Moneyview14%-36%
Cashe33.50% onwards

Types of Aditya Birla Capital Personal Loan

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. The applicant can then make repayment as per the availability of cash flow.

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

Aditya Birla Personal Loan Fees and Charges

Processing Fee Up to 4% of the loan amount
Pre-closure Quote Rs 1,000 + GST
Cheque Return Charges Rs 1,000 + GST
Stamp Duty As per actuals if applicable
Loan reschedule charges Rs 5,000 + GST
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 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: Up to 4% of the principal outstanding + GST

For Flexi Personal Loan: Up to 4% of the withdrawn amount + GST

Foreclosure is allowed only 12 months after the loan disbursal

Also know the processing fee for personal loan

EMI Calculation

EMI Calculator
₹
%
Year(s)
EMI Calculator

Monthly EMI ₹ 15,622

Total Amount Payble ₹ 5,62,395(Principal + interest)

Principal Amount ₹ 5,00,000

Total Interest Payble ₹ 62,395

How to apply for an Aditya Birla personal loan online

You can apply for an Aditya Birla personal loan either through the official website of Aditya Birla or through Paisabazaar.

  • 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.

How to apply through Paisabazaar

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.

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. 12.90% p.a. onwards 11.99% p.a. onwards
Processing Fee Up to 4% of the loan amount Up to 3% if the loan amount Up to 5% of the loan amount Up to 4% of the loan amount
Max. Loan Amount Up to Rs 40 lakh Up to Rs 5 lakh Up to Rs 25 lakh Up to Rs 35 lakh
Min. Monthly Salary Required NA Rs 30,000 Rs 20,000 Rs 15,000

Contact Aditya Birla Capital for Personal Loan Support

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.

FAQs on Aditya Birla Personal Loan

What are the current interest rates for Aditya Birla Personal Loans in 2025?

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 to 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 documents are required to apply for an Aditya Birla Personal Loan?

The documents for a personal loan include salary slips of the last 3 months and bank statements for the last 6 months. Additionally, standard KYC documents such as PAN card, Aadhaar card, Voter ID, or Passport are required for identity and address verification.

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 at Paisabazaar.

Can I use 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.

Are there any foreclosure charges for Aditya Birla Personal Loans, and when can I foreclose the loan?

Aditya Birla charges a foreclosure fee of 4% of the principal outstanding loan amount. Foreclosure is allowed only after completing 12 months of repayment from the date of loan disbursal.

What credit score is required to qualify for an Aditya Birla Personal Loan?

The minimum credit score required to qualify for an Aditya Birla personal loan is 750. A higher credit score may improve your chances of approval and help you to avail a loan at a lower interest rate.

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