Aditya Birla Capital

Aditya Birla Capital Personal Loan is designed to meet your financial needs such as medical emergencies, travel, wedding, education, or any personal expenses. It offers a fully digital process, quick approval, and flexible repayment options for salaried and self-employed individuals.

✔️ Applicant must be an Indian resident
✔️ Age: 21 to 60 years
✔️ Salaried or self-employed individual
✔️ Minimum monthly income: ₹15,000+
✔️ Good CIBIL score (700+ preferred)
✔️ Stable employment/business continuity

✔️ Interest Rates: 10.99% p.a. onwards (profile-based)
✔️ Processing Fee: Up to 1.5% – 4% of loan amount (+GST)
✔️ Foreclosure Charges: ~4% of outstanding amount (+GST)
✔️ Tenure: 12 to 84 months (up to 7 years)
✔️ Penal Charges: Applicable on delayed EMIs

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Bank Statements (Last 3–6 months)
✔️ Passport-size photographs

Q1. What is the maximum loan amount in Aditya Birla Personal Loan?
Ans. You can get up to ₹40 lakh depending on your eligibility.

Q2. What is the interest rate?
Ans. Interest rates start from 10.99% per annum and vary based on your profile.

Q3. What is the repayment tenure?
Ans. The tenure ranges from 12 months up to 7 years.

Q4. Is collateral required?
Ans. No, it is an unsecured loan and does not require any security.

Q5. How fast is loan disbursal?
Ans. Loan can be disbursed within 24 hours after approval (subject to verification).