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Aditya Birla Personal Loan

Aditya Birla Finance offers personal loan to salaried individuals for consolidation, medical emergencies, children’s education, home improvement, and other purposes of up to Rs. 50 Lakhs @14% onwards ROI, processing fee of up to 2%, and tenure of up to 7 years.

Table of Contents: Aditya Birla Capital Personal Loan
Aditya Birla Personal Loan Features

Following are the features of Aditya Birla Personal Loan:

  • Purpose of the loan: The loan can be used for any purpose as the end-use for the loan is not defined. It can be used for consolidation of debt, renovation of your existing house, wedding expenses, travel expenses, purchasing high-value consumer durable articles, and so on.
  • Quantum of loan: The quantum of the loan is up to Rs. 50 Lakhs, depending upon the income, CIBIL score, and repayment capacity.
  • Rate of interest: The interest charged for the loan starts from 14%.
  • Repayment: The loan has to be repaid within a maximum period of 7 years.
  • Security: No collateral security is required to acquire this loan
  • Processing fees: Up to 2% of the loan amount.

Additional Reading: How to get personal loan in Hyderabad?


Aditya Birla Personal Loan Benefits

The benefits of availing Aditya Birla Personal Loan are:

  • Flexible repayment options – ECS and NACH.
  • Applicants can club the income of co-applicants to enhance eligibility.
  • Customised personal loan solutions
  • Hassle-free processing
  • Transparent charges & processes
  • Quick approvals and minimum processing & disbursement time.
  • Easy online application process
  • Doorstep services
  • Simplified documentation through service RMs
  • Simple EMIs or structured repayment options available.
  • Hassle-free personal loan balance transfer option

Additional Reading: How to get instant loan in Delhi?

Aditya Birla Personal Loan Eligibility Criteria

The following are the personal loan eligibility criteria of Aditya Birla:

  • The age of the applicant should be between 23 to 60 years.
  • The applicant should be a salaried individual and drawing the salary through a bank account.
  • The individuals should be employed in reputed companies.
  • Work experience of a minimum of 2 years is required to ensure income stability.
  • The applicant should not have defaulted on any loan repayments in the past and should have a good CIBIL score, preferably above 700.

Additional Reading: How to get personal loan in Chennai?

Documents Required for Aditya Birla Personal Loan

The following documents are required for Aditya Birla Personal Loan:

  • Address Proof, like the Aadhar Card, Voter’s ID, Driving Licence, Utility bills, etc.
  • Photo ID Proof, like PAN Card, Aadhar Card, Passport, Voter’s ID card, Driving Licence, etc.
  • Income Proof, like latest salary slips, ITR, etc.
  • Bank Statement for the last 6 months of the account where the salary is being credited.

Note: Know about NBFCs v/s Bank better option for your personal loans.

Aditya Birla Personal Loan Charges

Following are the personal loan processing fees and charges associated with the Aditya Birla Personal Loan:

Name of the ChargeAmount
Processing fee2% of the loan amount
Part prepayment charges
  • If part prepayment is equal to 20% of the total disbursed amount in a year: Nil.
  • If part payment is above 20% of the total disbursed amount in a year: 3% + applicable GST on the remaining loan amount.
  • Part prepayment is not allowed in the first 6 months from the disbursement date.
  • Part prepayment amount should be equal to or more than a total of 3 EMIs.
  • Part prepayment is allowed only once in the first year of the loan tenure.
Foreclosure charges
  • 4% of the principal outstanding + applicable GST
  • Foreclosure is permitted only after 12 months from the disbursement date of the loan.
Charges for cheque returnRs. 500 + GST per instance
Penal charges for default3% of the pending loan amount per month
Loan cancellation charges4% of disbursed loan amount + applicable taxes
Fees for CIBIL report retrievalRs. 100 + GST per instance
Loan reschedule chargesRs. 5,000 + GST per instance
Exchanging PDCs/ ECS chargesRs. 750 + GST per instance
Preclosure quoteRs. 1,000 + GST per instance
Stamp duty/ insurance premium/ any other chargesAs per actual, if applicable

Additional Reading: Top Credit rating agencies in India

How to Calculate Aditya Birla Personal Loan EMI?

You can use our online Personal Loan EMI Calculator to calculate your Aditya Birla Personal Loan EMI instantly. The tool is given under the Financial Tools tab on our website. All you have to do is enter some information like loan amount, interest rate, and tenure of repayment. Then hit the Enter button for an instant result.

Additional Reading: How to get personal loan in Bangalore?

Aditya Birla Personal Loan Customer Care

You can contact the following number for any queries regarding Aditya Birla Personal Loan:



You can write to abc.secretarial@adityabirla.com

Additional Reading: What is cibil score customer care number?

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