Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 1 Aditya Birla Finance Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.75% - 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 13 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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

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    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

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    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

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    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 24 Aug 2017

    Aditya Birla Finance Personal Loan Details
    Interest Rate (Monthly reducing balance) 11.75% 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.

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  • Aditya Birla Finance Personal Loan Reviews

    • Aditya Birla Finance Personal Loan
      "Need to Improve"
      0.5 4.0/5 "Great!"
      I have applied personal loan with Aditya Birla finance limited, but there was no proper communication was given in regards to my personal loan application. The customer support need to be improved with Aditya Birla . The rate of interest was nominal with Aditya Birla.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 18, 2017
    • Aditya Birla Finance Personal Loan
      "Delayed response"
      0.5 3.0/5 "Satisfactory"
      Aditya Birla finance limited was not really efficient when I applied for a personal loan. I needed the funds in a hurry, but they contacted me pretty late. So I went ahead with another bank. They were normal on the interest rate and processing charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 14, 2017
    • Aditya Birla Finance Personal Loan
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Customer service is fine one with the Aditya birla finance limited for the personal loan, which I have applied. I would like to say that the response is fine one with the Aditya birla finance limited and the processing cahrges were fine one.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 11, 2017
    • Aditya Birla Finance Personal Loan
      "Flexible loan process"
      0.5 4.5/5 "Excellent!"
      Aditya Birla is a good financial institute, we can go head for the personal loan, the verification part is also good. Aditya Birla offered me the interest rate based on my category of my company, even the processing fee is also nominal, after six months I could close the loan without paying any extra charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 08, 2017
    • Aditya Birla Finance Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The ADITYA BIRLA FINANCE LIMITED took hardly 7 days to disburse my personal loan. The customer service was good in their follow up and even in the night times after 10pm they have answered my call and helped to me to get the personal loan. The rate of interest is nominal with ADITYA BIRLA FINANCE LIMITED, I am satisfied with the loan amount.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 03, 2017
    • Aditya Birla Finance Personal Loan
      "It should be flexible"
      0.5 4.0/5 "Great!"
      It was not suited my requirement, I was looking for lesser amount of loan but Aditya Birla have denied to process. The response of Aditya Birla is good, they are very clear and quick in the process. Even they have explained about the loan process and they me interest rate of 14.99% its nominal.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 11, 2017
    • Aditya Birla Finance Personal Loan
      "Be more quick in response"
      0.5 3.0/5 "Satisfactory"
      Aditya Birla Finance Limited contacted me pretty late for the personal loan and that is why I did not proceed with them for it. I also did not get to speak to them about the interest rate and processing charges to give them a rating. Not a good experience.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 30, 2017
    • Aditya Birla Finance Personal Loan
      "Communication gap should be avoided"
      0.5 1.0/5 "Really Bad"
      Aditya Birla didn't give any service to me and they haven't call or message me regarding the loan process. Aditya Birla executive never turned up to collect my documents, I have almost waited for a week then my loan application got closed completely.
      Was this review helpful? 1
      , faridabad
      Reviewed on Jun 22, 2017
    • Aditya Birla Finance Personal Loan
      "Good Response"
      0.5 4.0/5 "Great!"
      I preferred Aditya Birla Finance Limited for the personal loan through third party agents. But Aditya did not sanction the loan for me, I do not know the reason for that but I believe it is because of the credit score constrains. But I received good response from them.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 19, 2017
    • Aditya Birla Finance Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      The services are fine one with the Aditya Birla finance limited for the personal loan. The rate of interest was a kind of okay one for me. The loan amount got disbursed within seven to ten days of time from the date of inquiry, also the response was good one.
      Was this review helpful? 2
      , mumbai
      Reviewed on Jun 17, 2017
    • Aditya Birla Finance Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      Responses was OK from Aditya Birla for my personal loan. I no issues with them. I got calls multiple time and they provided proper information about the loan process and the executives even collected my all documents but there was no update from that they should at-least tell us what happened regarding the application.
      Was this review helpful? 4
      , thane
      Reviewed on Apr 29, 2017
    • Aditya Birla Finance Personal Loan
      "Good in Response"
      0.5 5.0/5 "Blown Away!"
      Responses was good from Aditya Birla for my personal loan. I had no issues with them. I got calls multiple time and they provided proper information about the loan process. But I had taken a loan from other bank so I just closed my loan application with Aditya Birla.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Apr 18, 2017
    • Aditya Birla Finance Personal Loan
      "NO PROPER COMMUNICATION"
      0.5 1.0/5 "Really Bad"
      Former part was very prompt where I had got a call from Aditya Birlal stating that my loan sanctioned and they advised me to keep all my documents ready. Later part I did not get any sort of response from them and this prolonged for the next 20 days. Finally , after 20 days again I received a call from them asking whether I am interested in taking the loan. However I confirmed that I had taken loan else where and no longer interested in availing that loan.
      Was this review helpful? 5
      , gurgaon
      Reviewed on Feb 20, 2017
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