you are here:

Aditya Birla Finance Personal Loan

Aditya Birla Finance offers flexible and affordable personal loans with competitive interest rates and loan amounts up to ₹5 lakhs. With interest rates ranging from 14% to 30% p.a. and a loan tenure of up to 36 months, Aditya Birla Finance personal loans are ideal for meeting various financial needs.

apply now

Loan Highlights
Features
Eligibility criteria
Documents Required
How To Apply
FAQs
Partners
Articles
Testimonials

Aditya Birla Finance Personal Loan Highlights

Interest Rate
14-30% p.a.
Loan Amount
Up to ₹5 lakhs
Tenure
Up to 36 months

Features of Aditya Birla Finance Personal Loan

Loan amount: The maximum loan amount available is ₹5,00,000, which can be used for a variety of personal expenses.
Loan tenure: You can choose a loan tenure of up to 36 months, allowing flexibility in repayment.
Interest rates: The interest rate for Aditya Birla Finance personal loans ranges from 14% to 30% p.a., depending on your credit profile and other factors.
Unsecured loan: No collateral or security is required for this loan, making it an unsecured loan option.
Fast approval: Aditya Birla Finance offers quick processing and approval, with funds disbursed typically within 1-3 business days.
Flexible repayment options : You can select repayment terms that suit your financial situation.
Minimal documentation: The loan application process is hassle-free with minimal documentation.

Why Choose Moneycontrol?

Low Interest Rate
Instant Disbursal
Multiple Offers
100% Digital Process

Eligibility Criteria for Aditya Birla Finance Personal Loan

To qualify for a Aditya Birla Finance personal loan, applicants must meet the following eligibility requirements:

age
Applicants must be between 21 and 60 years old.
Employment status
Both salaried and self-employed individuals are eligible to apply.
Income
The minimum income requirement for salaried and self-employed individuals is ₹25,000 per month.
Credit Score
A good credit score (typically 650 or above) is important for loan approval and for securing better interest rates.
Residence
You must be a resident of India, with proof of your address in the serviceable location.
Existing loans
You must have a manageable debt-to-income ratio for approval, and your existing liabilities should not adversely impact your ability to repay the loan.

apply now

Documents Required for Aditya Birla Finance Personal Loan

To apply for a Aditya Birla Finance personal loan, you will need to submit the following documents:

Identity proof: Aadhar card, Passport, Voter ID, or Driver’s Licence
Address proof: Aadhar card, utility bills, passport, or ration card
Income proof:
- For salaried individuals: Salary slip for the last 3 months or bank statement for the last 6 months.
- For self-employed individuals: ITR (Income Tax Return) or bank statement for the last 6 months.
Photographs: Passport-sized photographs.
KYC documents: Proof of identity and address as per KYC guidelines.
Application form: Filled application form with personal details and loan requirements.

Pick Your Loan Amount

How to apply for Aditya Birla Finance personal loan

You can apply for a Aditya Birla Finance personal loan loan online via Moneycontrol using the following steps:

1
Enter your details
2
Pick the best loan offer from multiple lenders including Aditya Birla Finance
3
Complete your KYC
4
Set up EMI repayment
5
Withdraw funds to your bank account

apply now

FAQs about Aditya Birla Finance personal loan

What is the maximum loan amount I can get with an Aditya Birla personal loan?

You can avail of a personal loan of up to ₹5,00,000 from Aditya Birla.

What is the interest rate for Aditya Birla personal loans?

The interest rate for Aditya Birla personal loans ranges from 14% to 30% p.a., depending on factors such as your credit score and income.

Can I repay the loan before the tenure ends?

Yes, Aditya Birla allows early repayment of your loan, although prepayment charges may apply depending on the loan terms.

How long does it take for Aditya Birla to approve the loan?

The loan is typically processed and approved within 1-3 business days.

Do I need to provide collateral for the loan?

No, the Aditya Birla personal loan is unsecured, so you don’t need to provide any collateral or property as security.

Can I apply for a personal loan if I have a low credit score?

While having a higher credit score increases your chances of approval, Aditya Birla may still approve your loan application if you have a steady income, though the interest rate may be higher.

Can self-employed individuals apply for an Aditya Birla personal loan?

Yes, both salaried and self-employed individuals are eligible to apply for an Aditya Birla personal loan, provided they meet the income and document requirements.

Can I use a personal loan for business purposes?

Personal loans are generally intended for personal expenses, such as medical emergencies, travel, or home improvement. Some lenders may allow you to use the funds for business purposes, depending on their terms. You can also explore business loan offering by Aditya Birla. Click here to check offers.

Can I transfer my personal loan to another lender?

Yes, you can transfer your personal loan to another lender through a loan balance transfer. This may help you secure a lower interest rate or better terms.

Can I get this loan immediately without a salary?

A steady income source is essential for most personal loans. However, if you are self-employed or have other stable income sources, you may still qualify for a personal loan.

Can I prepay my personal loan early?

Yes, Aditya Birla allows early repayment of your loan, but prepayment charges may apply depending on the loan agreement.

Can I apply for a personal loan without income proof?

Income proof is generally required for loan approval as it helps lenders assess your ability to repay the loan. However, in some cases, Aditya Birla may consider alternative documents or other income verification methods.

Can I get a personal loan with no credit history?

While having no credit history can make it difficult to get approved for a loan, Aditya Birla may still consider your application based on other factors such as income, employment status, and other guarantees.

Our Lending Partners

EarlySalary Services Pvt. Ltd.

Personal Loan

Grievance Redressal

Mr. Amit Nosina

grievance@earlysalary.com
care@earlysalary.com

020-67639797

Aditya Birla Finance Ltd.

Personal Loan

Grievance Redressal

Mr. Arijit Sen

grievance.finance@adityabirlacapital.com

Business Loan

Grievance Redressal

Mr. Arijit Sen

grievance.finance@adityabirlacapital.com

L&T Finance Limited

Personal Loan

Grievance Redressal

Mr. Vinod Varadan

gro@ltfs.com

PL Product Features RBI Sachet

Latest in Personal Loans

view all

User Testimonials

I would like to thank Moneycontrol, few days back I met with an accident and I didn’t have much money to pay in one go. So, I took an instant cash advance from Moneycontrol. They helped me to clear all the medical bills in just 10 mins!

Suresh V Rangnathan

The overall experience with Moneycontrol was really good. I applied for an online personal loan and the service was very quick. The entire process was fast and smooth, and the loan was sanctioned without any hassles.