Unlock your dreams with easy financing through the Aditya Birla Personal Loan
Aditya Birla Finance Limited, an NBFC registered with the RBI and a subsidiary of Aditya Birla Capital Limited, offers the Aditya Birla Personal Loan (ABPL).
ABPL is a quick financing solution for urgent or unforeseen needs as well as planned expenses. It comes with numerous benefits and perks, including competitive interest rates and a simple digital application process.
The Aditya Birla Personal Loan’s rate of interest starts at 13% and goes up to 28%. Here’s a list of Aditya Birla Finance Personal Loan details, including the amount with interest rates, repayment periods, and other charges:
Loan Amount |
₹1 Lakh to ₹40 Lakhs |
Repayment Period |
12- 84 months |
Interest Rate |
13% to 28% per annum |
Processing Fees |
Up to 3% of loan amount + GST |
Foreclosure Charges |
4% on POS +GST |
Charges on Loan Cancellation |
Up to 2% of the loan as actioned amount |
CIBIl Report Retrieval Fee |
₹50 per instance for consumers and ₹500 per instance for commercial |
Disclaimer: The personal loan details mentioned above are subject to change at the discretion of the lender. Kindly check before you apply.
Aditya Birla Finance offers personal loans tailored to meet various financial needs. Here are the types of personal loans they offer:
Turn your travel dreams into reality with Aditya Birla Finance Limited's travel loan. It covers expenses like flights, hotels, shopping, and transportation with loan amounts of up to ₹50 Lakhs. Enjoy a collateral-free loan, quick approval, flexible eligibility, and competitive interest rates for your trip.
Benefits of ABFL Personal Loan for Travel
ABFL provides flexible repayment options
You get tenure options of up to 7 years
It gives you the facility of a maximum loan amount of up to ₹50 Lakhs
Convenient repayment methods
Fixed interest rates throughout the loan tenure
Whether it's a wedding, vacation, home renovation, or an unexpected medical emergency, ABFL’s personal loan is the perfect solution for all your financial needs. Enjoy quick access to funds with a seamless application process, low interest rates, and easy EMI options.
Benefits of ABFL Personal Loan
Choose a repayment tenure of up to 7 years to suit your financial needs
Maximum loan of ₹40 Lakhs without any security or collateral
Pay easily via ECS or NACH.
Combine your income with a co-applicant to increase your loan eligibility
Enjoy consistent interest rates throughout the loan tenure, ensuring predictable EMIs
Here are the facilities you can enjoy when you get an Aditya Birla Personal Loan:
Flexible tenures to choose from, going up to 84 months
Loan amounts up to ₹40 Lakhs to meet a range of needs
Collateral-free financing gives you funds without risking your assets
Speedy access to funds with quick disbursal processes
Competitive interest rates that make borrowing affordable
To qualify for a personal loan, you need to meet certain requirements. Here are the Aditya Birla Personal Loan eligibility criteria:
Age: Between 21 and 60 years
Income: Minimum monthly income starting at ₹20,000
Employment: A salaried employee, self-employed professional, or business owner with a stable income
Credit Score: A score of 700 or above is preferred for favourable loan terms
Residency: An Indian resident with valid address proof
To apply for a personal loan, you need to provide the following documents:
ID Proof: Passport, Aadhaar Card, Driver's Licence, Voter ID, etc.
Address Proof: Passport, Aadhaar Card, Driver's Licence, etc.
Lenders require the following documents to confirm your income stability and repayment ability:
For Salaried Individuals:
Bank statements for the previous 3 months
Salary slips for the last 2 months
For Self-employed Individuals:
Bank statements for the previous 6 months
Profit and loss balance sheets for the last 2 years
Proof of business address
Office ownership proof
Continuity of business proof
You can carry out the Aditya Birla Personal Loan process digitally from end to end. You can apply for an Aditya Birla personal loan online by following the steps outlined below:
Visit the official website, navigate to the ‘Loan Products’ section, and select ‘Personal Loan’
Select the type of loan you want
Click on ‘Check Offer’ to continue
Fill in your mobile number, enter the OTP, and add other necessary details
Choose the loan amount and submit your application
A representative will then contact you and guide you further. Once you finalise the loan terms, the lender will disburse the amount in your bank account.
Aditya Birla Finance gives you access to their customer care team to resolve your queries. Connect with the customer team of Aditya Birla through the following ways:
Call: 1800 270 7000 (toll-free within India)
Aditya Birla Capital typically disburses personal loans within 24 hours of approval. However, the timeline may vary based on factors such as income proof, age, credit score, additional documentation, and the verification process.
Yes, the ABFL Personal Loan offers the feature of foreclosing a personal loan after the completion of 6 months of the loan tenure. However, foreclosure may be subject to charges depending on your loan. Be sure to check these before proceeding.
There is no specific CIBIL score that you need to apply for an Aditya Birla Personal Loan. However, keeping your score above 750 is a good idea since it can boost your chances of getting affordable financing.
Yes, borrowers can prepay an Aditya Birla Personal Loan partially. However, this is subject to certain conditions and charges. The conditions include that prepayment need not be made in the first 12 months and that amount has to be equal to or more than 3 EMIs. The charges will depend on the amount you are prepaying.
You can get up to ₹40 Lakhs via the ABFL Direct Personal Loan. However, the amount depends on your eligibility and repayment ability.
To be eligible for a personal loan, you need to be an Indian resident aged 21-60 years with a steady income, a good credit score (typically above 750), and a stable financial history.
The repayment tenure of the Aditya Birla Personal Loan is up to 84 months.
Yes, Aditya Birla Finance Limited offers both fixed and floating-interest-rate personal loans.
You can club the co-applicants’ income when applying for an Aditya Birla Finance Personal Loan to enhance your eligibility.
Yes, by fulfilling the set eligibility criteria, self-employed individuals can get an Aditya Birla Finance Personal Loan.