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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

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.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

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

Features & Benefits

Loan Amount: ₹50,000 to ₹40,00,000 (based on eligibility)
Quick approval & fast disbursal (often within 24 hours)
100% digital & paperless process
No collateral required (unsecured loan)
Flexible repayment tenure up to 7 years
Suitable for salaried & self-employed individuals
Multi-purpose usage (no restriction on end use)

Fees & Charges

Processing Fee: Upto 1.5% – 4% + GST
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

Documents Required

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

FAQs

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You can get up to ₹40 lakh depending on your eligibility.

Interest rates start from 10.99% per annum and vary based on your profile.

The tenure ranges from 12 months up to 7 years.

No, it is an unsecured loan and does not require any security.

Loan can be disbursed within 24 hours after approval (subject to verification).

Terms & Conditions

Loan approval is subject to internal policies of Aditya Birla Capital
Interest rates and loan terms vary based on applicant profile
Processing fees are non-refundable
Late payments may attract penalties and impact credit score
Final approval is at the discretion of the lender

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