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    We found 1 Aditya Birla Finance Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.00% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Aditya Birla Finance Personal Loan is Rated as "Pretty good" by 70 Users

    Fees & Charges

    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    Aditya Birla Finance Personal Loan

    When it comes to personal loans, the most attractive thing about them is that they are loans that are not slaved to a specific purpose. They can be taken for anything ranging from paying off big bills to bearing the expenses of weddings and vacations and the Aditya Birla Finance Personal Loan is no exception to this. This is a loan that offers benefits ranging from attractive rates of interest to high loan amounts that makes it good for most purposes. The things that make these loans so attractive also includes certain features that cannot be availed using a personal loan from any other financial services company.


    You’re probably eligible for an Aditya Birla Finance Personal Loan if you are

    01
    02
    03
    04
    Aditya Birla Finance Personal Loan Minimum Age

    At least 23 years old

    Aditya Birla Finance Personal Loan Maximum Age

    Less than 60 years old

    Aditya Birla Finance Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Aditya Birla Finance Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Aditya Birla Finance Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Aditya Birla Finance Personal Loan Minimum Salary

    Minimum income required
    Rs.45,000 per month

    Aditya Birla Finance Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 30 lakhs

    Aditya Birla Finance Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Aditya Birla Finance Personal Loan amount by these steps

    01
    02
    Aditya Birla Finance Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    Aditya Birla Finance Personal Loan Tenure

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Aditya Birla Finance Personal Loan

    • 1. Signed application form with photograph
    • 2. Copy of passport/voter ID card/driving license
    • 3. Processing fee cheque
    • 4. Salaried
      • Latest 3 months Bank Statement (where salary/income is credited)
      Self Employed
      • Latest 6 months Bank statement
    • 5. Documentation for salaried applicants:

      Salary slips for last 3 months

    • 6. Documentation for self-employed applicants:

      Income proof (audited financials for the last two years)


    Aditya Birla Finance Personal Loan Interest RatesUpdated on 17 Oct 2018

    Aditya Birla Finance Personal Loan Details
    Interest Rate (Monthly reducing balance) 11.00% to 13.75%
    Processing Fees 1% of the loan amount
    Loan Tenure 1 year to 5 years
    Pre-closure Charges 4% of principal outstanding in the 1st year; 3% in the 2nd year and 2% thereafter Preclosure permitted after 6 months
    Guarantor Requirement No guarantor required

    Eligibility criteria for Aditya Birla Finance Personal Loan

    Before you can apply for this personal loan, there are certain eligibility criteria that you will need to conform to. These factors are:

    • The applicant will have to be a salaried employee of a reputed organisation with a regular source of income.
    • In order to avail this loan, the individual will also have to be within the age group of 23 to 60 years.
    • The borrower should also have a minimum net monthly income of Rs.25,000.

    Features and benefits of Aditya Birla Personal Loan

    If you prove to be eligible for this Aditya Birla Finance personal loan, here are some of the features you can expect to see as the defining points of the loan.

    • While there is no minimum amount for loan that can be borrowed under this scheme, the maximum amount is Rs.50 lakh.
    • Borrowers have the flexibility to choose a loan tenure that suits their repayment capacity subject to a maximum of 60 months.
    • The interest rates charged for this loan is 14% per annum, however, this can change from time to time and it’s best to confirm the interest applicable before applying.
    • The interest rate charged in case of violation of the terms and conditions of the loan will be 24% per annum.
    • Applicants can even apply for the loan online and don’t have to worry about dealing with complicated paperwork.
    • In case of online application, the loan application can be processed and approved in as less as 30 minutes.
    • If the applicant is a part of the Aditya Birla Financial Services Group then they won’t have to pay the processing fee.
    • This loan will require no guarantors or collateral to secure it.
    • The loan will also allow you to make partial prepayments without having to pay any prepayment penalties.
    • Prepayment or partial payments won’t be allowed for the first 6 months of the loan tenure.
    • If a partial payment is being made, then it cannot be an amount less than Rs. 25,000.
    • It can also be used to buy out any other existing loan.
    • If applicants go in for a cancellation of the loan once it has been disbursed then a charge of 4% of the amount disbursed will be charged.
    • Borrowers can use Electronic Clearance Service (ECS) and National Automated Clearing House (NACH) payment solution to repay the loan.
    • Under the Aditya Birla Personal Loan scheme, candidates have the flexibility to club the income of another co-applicant to improve the chances of their loan application getting approved.
    • Once a customer avails this loan, he or she can be assured that the rate of interest at which the loan is offered will not change throughout the entire loan tenure.

    Documents required for Aditya Birla Finance Personal Loan

    Approval of this loan will not only depend on you being able to meet the eligibility criteria set down, but also on your ability to provide the following documents.

    • Once you apply for a loan under this scheme, the first document that you will have to submit is a duly filled application form along with a passport-sized photograph.
    • KYC documents relating to your proof of identity and address will be needed too.
    • You will also have to provide your bank statements for the last 6 months.
    • Your salary slips for the last 3 months will also be needed.
    • In case you plan on taking a loan that is beyond the means of your monthly income, you can provide additional documents that demonstrate your extra income from other sources to prove your eligibility.

    While these are the standard documents that will be required to apply for the Aditya Birla Finance personal loan, there could be others that the company may ask for.

    As far as personal loans are considered, this loan is very convenient for those who are eligible for it since it does not come with the requirement of collateral. On the other hand, individuals can avail this loan when they require a huge amount in order to meet their temporary financial crisis.

    In case you have any queries regarding the scheme or your personal loan application, you can get in touch with the friendly and efficient customer care representatives of Aditya Birla Finance by calling the toll-free number at 1800-270-7000. You can also write to the helpful customer care team at care.finance@adityabirlacapital.com and get your questions answered and concerns addressed. For more information on the loan scheme, you can check out the company’s product brochure or set up a meeting with one of the relationship managers at Aditya Birla Finance.

    Aditya Birla Finance Personal Loan - Super Duper Deals – October'18

    So, are you planning to apply for an Aditya Birla personal loan anytime soon? If ‘yes’ then hurry up and apply for the same online through BankBazaar.com as its October Flash sale- The Super Duper Deals is right here. Place your request for a personal loan from Aditya Birla on BankBazaar’s official website between 1st October, 2018 to 31st October, 2018, 2018.

    BankBazaar Super Duper Deals Offer on Aditya Birla Personal Loan

    By availing an Aditya Birla personal loan during the BankBazaar The Super Duper Deals October'18, you can get an attractive gift coupon from Amazon. Here are the details of this special offer:

    • You will be offered an Amazon Gift Card worth Rs.750 (Rupees Two Thousand only) upon disbursal of the loan.
    • The offer will be effective from 1st October, 2018 and will be valid till 31st October, 2018. You can apply for the Aditya Birla car loan on BankBazaar official website anytime within this period.
    • Upon disbursal of the loan amount, the voucher will be issued to you on or before 15th November,2018.
    • You can either redeem the gift voucher on Amazon India’s official website or can use the mobile app for buying Amazon products of your choice.

    Steps to get the Super Duper Deals Aditya Birla Personal Loan offer

    You will be able to shop your favourite Amazon merchandise worth Rs.750 without spending a single coin from your pocket through the exclusive Amazon gift voucher offered during BankBazaar’s Super Duper Deals sale. Excited already? Here is how you can get the offer:

    • Visit the official website of BankBazaar (www.bankbazaar.com) to know your eligibility for an Aditya Birla personal loan.
    • If you are eligible, go to the ‘Personal Loan’ section and search for ‘Aditya Birla’ personal loan. Next, click on the ‘Get Approval’ button and it will lead you to the loan approval and application page.
    • Once the application is approved and disbursed to your bank account, you will be sent an Amazon Gift Card of Rs.750 in the mail ID that you have provided during loan application.
    • Once you receive the gift coupon in your mail, visit Amazon’s official website or use the Amazon app in order to redeem the offer.
    • After logging into the account, insert the given code and click on the ‘Add to Your Account’ tab. Your Amazon account will instantly receive a balance of Rs.750.

    Terms and Conditions of BankBazaar Super Duper Deals Offer

    The terms and conditions of BankBazaar Super Duper Deals offer on Aditya Birla personal loan are enlisted below:

    • BankBazaar’s special mega mela offer is available from 1st October, 2018 to 31st October, 2018. It will not be valid after the specified period.
    • This offer is applicable for the Aditya Birla personal loans whose disbursal will be on or before 15th December,2018.
    • The gift voucher will be sent to the mail ID which is given by the applicant while applying for the loan.
    • Only one order per personal loan can be made during the Super Duper Deals sale offered by BankBazaar.
    • The gift voucher will reach the customers within 45 working days after the disbursal of the loan. In case you don’t receive it within this period, mail to BankBazaar at support@bankbazaar.com or call +914466511800.
    • The user needs to redeem the gift card as per the terms and conditions fixed by Amazon India.
    • The minimum age of the applicant must be 18 years or above at the time of submitting the personal loan request.
    • Approval or rejection of the loan application is solely at the bank’s discretion and BankBazaar holds no responsibility regarding this.

    Aditya Birla Finance Personal Loan Reviews

    • Aditya Birla Finance Personal Loan
      "Very Bad Experience with ABFL"
      0.5 0.5/5 "Unacceptable"
      1. Fake commitment of 30 min. disb. 2. Irritate by sending lots of sms and emails of remainder. 3. Breaks privacy by sending bank details in sms and email. 4. No reply from customer care email. 5. After regular payment we will get an overdue emi sms.
      Was this review helpful? 4
      , pune
      Reviewed on Sep 19, 2018
    • Aditya Birla Finance Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ADITYA BIRLA 2 months back. The loan amount was 5 lakhs and the interest rate was high than other bank but i had a very good service . The process was very quick and the documentation was very smooth too. The loan was approved on time.,
      Was this review helpful? 7
      , pune
      Reviewed on Aug 22, 2018
    • Aditya Birla Finance Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It had been a better experience i had with the services of them. The loan amount which they had provided had been satisfactory and the interest rate which they ahd been offering has been average or normal compared with the market rate. I had taken this loan for my personal purpose. There has not been any hassles with the process through them.
      Was this review helpful? 5
      , jaipur
      Reviewed on Jul 12, 2018
    • Aditya Birla Finance Personal Loan
      "Personal loan from ADITYA BIRLA"
      0.5 5.0/5 "Blown Away!"
      From ADITYA BIRLA FINANCE i have taken the loan amount of 3 lakhs. The rate of interest was 11.5% and the customer service and response with them was good. There was some processing fee with ADITYA BIRLA institution. Good finance for the personal loan.
      Was this review helpful? 3
      , mumbai
      Reviewed on May 25, 2018
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan process took time with the ADITYA BIRLA FINANCE LIMITED . They have disbursed the loan amount within 2 weeks of time. The required loan amount has been given and I am satisfied with it. the rate of interest and the charges are average here.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2018
    • Aditya Birla Finance Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ADITYA BIRLA . The loan amount was 2 lakhs and the interest rate was 12% which is average . The customer service and responses was up to the mark. They sanctioned the loan with the committee time and the tenure period was 2 years .My overall experience was really good.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 24, 2018
    • Aditya Birla Finance Personal Loan
      "Worst/BAD"
      0.5 1.0/5 "Really Bad"
      They can deduct EMI after your all payment. they did it with me and when I tried to ask they were not able to tell. and now they are not reverting to my email. they are showing me outstanding and there are no dues, think 100000000000 times before taking a loan.
      Was this review helpful? 10
      , new delhi
      Reviewed on Apr 23, 2018
    • Aditya Birla Finance Personal Loan
      "Need improvement in the services"
      0.5 2.0/5 "Expected more"
      Before sales everything was good with Aditya Birla finance. But the after loan sales services are not good. The documents and the other information like loan account number I do not know yet. I did not get the personal loan letter till date and it has been two months and the installment is also taken. I have not got any soft copy nor the hard copy. I been following and I get no response through calls and email. The email id is not right as well and the mail is bouncing. The rate of interest is 11.5% and the processing fees was at par with market. I would recommend them only for the interest rate.
      Was this review helpful? 2
      , mumbai
      Reviewed on Apr 10, 2018
    • Aditya Birla Finance Personal Loan
      "Below Average Service"
      0.5 1.5/5 "Bad"
      The service is good with the Adithya birla personal loan. I have never tried calling the Adithya birla customer support service. The process was fast from the Adithya birla personal loan services. The service was below average from the adithya birla. The online process was not up to the mark.
      Was this review helpful? 3
      , hyderabad
      Reviewed on Apr 05, 2018
    • Aditya Birla Finance Personal Loan
      "High ROI and charges"
      0.5 3.0/5 "Satisfactory"
      I have taken my personal loan from Aditya Birla Finance. The rate of interest is of 13.5% and the processing charges is of 7K. The tenure is for five years. I was told that the interest rate is on a floating basis. Later I got to know that it is fixed.
      Was this review helpful? 3
      , gurgaon
      Reviewed on Mar 24, 2018
    • Aditya Birla Finance Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The customer support service has reached just 2 to 3 times from the ADITYA BIRLA FINANCE LIMITED. The required loan amount has been disbursed by the, The rate of interest and the charges are average with the ADITYA BIRLA FINANCE LIMITED personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 24, 2018
    • Aditya Birla Finance Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan with ADITYA BIRLA . The loan amount was 4.5 lakhs and the Interest rate was 11.35% which is average in the market. The tenure period was 5 years . They have provided door step service for collecting documents. My experience was really good and its recommendable.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Feb 23, 2018
    • Aditya Birla Finance Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ADITYA BIRLA. The loan amount was 1.5 lakhs and the interest rate was 12.75% which is very high than other banks. The tenure period was 3 years. They have provide door step service for collecting document and the loan amount was approved on time.
      Was this review helpful? 1
      , mumbai
      Reviewed on Feb 14, 2018
    • Aditya Birla Finance Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am happy and satisfied with the interest rate of Aditya Birla Finance Limited. The loan process was moderate. I took my personal loan with the period of 5 years. After six months, I can do the pre closure with the charge of 3000 rupees. The documents are collected manually by the executive.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Feb 06, 2018
    • Aditya Birla Finance Personal Loan
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      There is no loan requirement at present so that was the reason i haven't got the personal loan from the ADITYA BIRLA FINANCE LIMITED . The customer support was below average with ADITYA BIRLA FINANCE LIMITED and they need to improve with their response part.
      Was this review helpful? 0
      , pune
      Reviewed on Feb 05, 2018
    • Aditya Birla Finance Personal Loan
      "Average"
      0.5 4.0/5 "Great!"
      The response was good with Aditya Birla Finance Limited. They charged more interest rate for my personal loan. The disbursement was on time. The executive came to the place and collected my documents at doorstep. I can do pre closure only after six months.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 28, 2018
    • Aditya Birla Finance Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I haven't got the loan from ADITYA BIRLA FINANCE LIMITED because of their interest rate , It would be great if they can reduce the interest in future, The customer support was good with the ADITYA BIRLA FINANCE LIMITED. I got better response from ADITYA BIRLA FINANCE LIMITED.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 28, 2018
    • Aditya Birla Finance Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have my personal loan from ADITYA BIRLA. The loan amount was 10 lakhs and the Interest rate was 11.25% which is average In the market. They have sanctioned the loan with the committed time and the processing fee was nominal. My overall experience was better and its recommendable.
      Was this review helpful? 2
      , thane
      Reviewed on Jan 24, 2018
    • Aditya Birla Finance Personal Loan
      "They know the customer"
      0.5 5.0/5 "Blown Away!"
      Aditya Birla is one of the best bank. They processed the personal loan in a very good manner. The customer service was professional and very kind to the customer. They offered a good interest rate with zero processing fee. I had submitted my documents online and also the executive came to my place and collected the Aadhar card due to some issue.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 20, 2018
    • Aditya Birla Finance Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have got a call from the ADITYA BIRLA FINANCE LIMITED in regards to my personal loan application. The customer support service is good with the ADITYA BIRLA FINANCE LIMITED. By the time Aditya approve my personal loan I have got the loan from other source.
      Was this review helpful? 5
      , hyderabad
      Reviewed on Jan 19, 2018
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