Multiple banks. Different interest rates. Call it a "conflict of interest".
  • loading

    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
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Aditya Birla Finance Personal Loan is Rated as "Pretty good" by 43 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 paying for wedding or even vacations and the Aditya Birla Finance personal loan is no exception. This is a loan that offers benefits ranging from attractive rates of interest to high loan amounts that makes them good for most purposes. The things that make these loans so attractive also includes certain features that not always available with every establishment offering a loan.


    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 11 Dec 2017

    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. This criteria is:

    • The applicant will have to be a permanent employees of Aditya Birla Financial Services Group.
    • They will also have to be at least 23 years old and no older than 57 years old.
    • The will also have to have a minimum net monthly income that is not less than 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.

    • The minimum amount that can be borrowed will be Rs. 2 lakhs, while the maximum amount is 20 lakhs.
    • The tenure of the loan can range from 12 months to 3 years.
    • 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.
    • 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.

    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.

    • The first and foremost document will be the application form with a photograph.
    • KYC documents relating to a proof of identity and address will be needed too.
    • You will also have to provide your bank statements for the last 6 months.
    • You 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 document about 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 but it does come with high loan amounts that can be an essential when the sum needed as a loan is big too.

    Aditya Birla Finance Personal Loan Reviews

    • Aditya Birla Finance Personal Loan
      "Dissatisfied"
      0.5 2.5/5 "Just OK"
      I have applied a personal loan through online and it has approved. However when I check for the status through 567679. I got the message saying your loan amount is ready to disburse and it take 1-2 working days .... however its more than week and no amount has been credited to my amount and the overall application time was more than a month.
      Was this review helpful? 3
      , bangalore
      Reviewed on Dec 02, 2017
    • Aditya Birla Finance Personal Loan
      "Best one"
      0.5 5.0/5 "Blown Away!"
      Customer service is good one with the Aditya birla finance limited for the personal loan. I would like to say that the rate of interest was fine one with them and I have not found any issues with them till now. Till now, its like a cake walk process.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 30, 2017
    • Aditya Birla Finance Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      Aditya Birla Finance was also not clear in the details of the rate of interest. I was initially informed that the rate was of 16% while the document process was on and after the loan was processed I realized that the rate was of 24% which was extremely high on the personal loan.
      Was this review helpful? 3
      , new delhi
      Reviewed on Nov 25, 2017
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from Aditya Birla, my loan application was closed because there was no requirement of loan as of now and also i did not have proper documents. Customer service from Aditya Birla was good, they responded on time and regular follow ups were done. The rate of interest is nominal when compared to all other banks.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from Aditya Birla, my loan application was closed because there was no requirement of loan as of now. The customer service was good and their response was also good, they also followed up on time. The rate of interest is nominal when compared to all other banks.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 20, 2017
    • Aditya Birla Finance Personal Loan
      "No response"
      0.5 2.0/5 "Expected more"
      I have planned to take a personal loan from ADITYA BIRLA FINANCE LIMITED. Actually I did not got any proper response from the bank end. And i tried to connect them but that was also not reachable. Thus i could not able to proceed with them later.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 11, 2017
    • Aditya Birla Finance Personal Loan
      "Need proper followup"
      0.5 1.0/5 "Really Bad"
      I had applied with Aditya Birla Finance Limited for my personal loan through online. They called me once and requested for the documents. But the executive said he cannot come to my place to collect the documents. They said to whatsapp or email. Rate of interest was not discussed.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 10, 2017
    • Aditya Birla Finance Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The disbursement was not up to the mark from ADITYA BIRLA FINANCE LIMITED, in regards to my personal loan . They took a week time to disburse my loan amount. The required loan amount has been disbursed and I am satisfied with it. The rate of interest and the charges are average with ADITYA BIRLA FINANCE LIMITED. I t would be great of the process time is getting reduced.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
    • Aditya Birla Finance Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I had applied for a personal loan with Aditya Birla Finance Limited through online channel. The interest rate is too high, so I have decided to go with the Axis Bank. The customer service and response is good. They called me on time and provided necessary information.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 09, 2017
    • Aditya Birla Finance Personal Loan
      "Need to improve the process time"
      0.5 3.0/5 "Satisfactory"
      It was not very good experience with Aditya Birla. I had applied for a Personal Loan through online and the process took very long for 30 days. They need to faster the service and process. There is no email regarding welcome letter and EMI break downs. I didn't get a proper contact number to call customer support. I am not sure about processing fee but ROI is nominal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 09, 2017
    • Aditya Birla Finance Personal Loan
      "Interest rate should be standard as per market"
      0.5 3.0/5 "Satisfactory"
      I got higher rate of interest in Aditya Brila, they offered me 12% of rate for personal loan of Rs.12 lakhs. I am not fine with that, henceforth I took the loan from Indusind with better interest rate. I would suggest Aditya Birla interest rate should be as per the market standard.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 07, 2017
    • Aditya Birla Finance Personal Loan
      "poor service"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with Aditya Birla Finance limited for an amount of seven lakhs.Rte of interest is high as compared to others.Post applying i did not receive any kind of an update from them not even an alert.They don't show an interest to collect the documents.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 01, 2017
    • Aditya Birla Finance Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      ADITYA BIRLA FINANCE LIMITED have not provided the personal loan because the rate of interest was not completed with the end of deal. Charges were not okay for me and they have not stick with the commitments.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Oct 30, 2017
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It have been a very good experience with ADITHYA BIRLA for my personal loan service the customer service was very good. The rate of interest offered by ADITHYA BIRLA was fine compare to others ,it was totally a good experience from ADITHYA BIRLA for my personal loan service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 29, 2017
    • Aditya Birla Finance Personal Loan
      "Disappointing "
      0.5 1.0/5 "Really Bad"
      I had applied for a Personal loan with Aditya Birla Finance Limited but the application was not taken further as I had some sort of concern on my Credit score for problems that i had in the year 2010 due to unforesceen issues. I currently have a good income of more than 70K and my family income and if it exceeds 3 lakhs a month it would not be considered. I had no proper communication and response from them with clear information. They did not look into the entire application details and income status as a whole.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 28, 2017
    • Aditya Birla Finance Personal Loan
      "Disappointing zero response"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with ICICI bank but however the application did not proceed and i have no proper reason as to why it did not proceed.There was no contact made to me and no proper information. I only received a message that my application was closed. It was zero response from them.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 27, 2017
    • Aditya Birla Finance Personal Loan
      "Average service"
      0.5 2.5/5 "Just OK"
      I have applied for the personal loan from Aditya Birla Finance Limited, my loan application was closed because they were asking too many documents to submit. The customer service was upto the mark. The rate of interest is way high when compared to other sources.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 27, 2017
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied personal loan 2 different banks so my loan got sanctioned with ICICI bank , so that was the reason I haven't got the loan from Aditya birla, The customer support is good with Aditya Birla. The rate of interest is nominal with Aditya birla.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 27, 2017
    • Aditya Birla Finance Personal Loan
      "good service"
      0.5 4.0/5 "Great!"
      The service from ADITHYA BIRLA for my personal loan service was good even the customer service was fine the rate of interest they offered is better but I have managed the loan amount personally so I was not with need with loan amount it was the reason for the loan cancellation ,still the service was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 27, 2017
    • Aditya Birla Finance Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied for a personal loan with Aditya Birla but however i did not proceed with the application as i was short of time and did not have sufficient time at hand at that time and needed it to be completed within a week. And this was difficult because they had delayed the process a bit with regards to the collection of my documents hence i did not proceed with the application this time. The experience otherwise was good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 24, 2017
    Common Loader Icon
     Loading your search... Loading your search...
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.