Aditya Birla Personal Loan Apply, AB Finance Personal Loan – Eligibility, Interest Rate, EMI Calculator, Minimum Salary, Civil Score and more details that we read in this article please read till the last.
So if you are also interested in Aditya Birla Personal Loan then stay with us till the end of this article. In this article, we will know how much loan we can take under Aditya Birla Personal Loan, what will be the interest rate on this loan, its benefits, features of this loan, loan repayment period etc. We are going to cover all these topics in this article.
Aditya Birla Personal Loan
Different banks and financial institutions provide personal loans . Similarly, through Aditya Birla Finance Limited personal loan is also made available to the citizens at reasonable interest rate. If you want to get this loan, then you have to apply by visiting the official website of Aditya Birla Finance Limited . You do not have to provide any kind of security or collateral to take Aditya Birla Capital Personal Loan. Before applying for this Instant Personal Loan, we need to know what is Personal Loan?
Loan taken for personal expenses such as marriage, twins, medical treatment, home repairs, for a holiday, etc. The loan that you take is called personal loan. This bank is one of the largest banks in India, which provides many types of services. Under Aditya Birla personal loan, you can take a loan of up to Rs 50 lakh. Salaried people can apply for this loan.
You get 7 years i.e. 84 months to repay this loan. Under Aditya Birla Instant Personal Loan, the interest rate is decided on the basis of the profile of the person. You must have a good credit score to apply for this loan. Personal loan is an unsecured loan and it is given to you on the basis of your CIBIL score.
Aditya Birla Personal Loan Overview
- Loan Name : Aditya Birla Personal Loan
- Lender Name : Aditya Birla Finance Limited
- Loan amount: Maximum Rs 50 lakh
- Interest rate: Min. APR- 13% p.a., Max. APR- 28% p.a.
- Repayment period: 7 years
- Who can apply: Salaried person
- Processing Fee : Up to 3% of the loan sanctioned
Aditya Birla Personal Loan Fees and Charges
| Processing Fee | Up to 3% of the loan amount |
| Pre-closure Charges | Rs 1,000 + GST |
| Cheque Return Charges | Rs 500 + GST |
| CIBIL Report Retrieval Charges | Rs 100 + GST |
| Stamp Duty | As per actuals |
| Loan Cancellation Charges | 4% of loan amount + GST |
| Default penal charges | 3% of pending amount per month |
| Insurance premium | As per actuals |
| CIBIL report retrieval charges | Rs 100 + GST |
| Part Pre-payment Charges | If part pre-payment is equal to 20% of the total amount disbursed- NIL |
| If part pre-payment is greater than 20% of the total amount disbursed- 3% + GST | |
| Foreclosure Charges | 4% of the principal outstanding + GST |
Aditya Birla Capital Personal Loan interest rate 2023
Aditya Birla Finance Limited Personal Loan interest rates range from 14% to 16.25%. Now let us know that what is the interest rate under Aditya Birla personal loan. The interest rate under this loan is decided on the basis of the profile of the person. The interest rates under this loan remain unchanged during the loan tenure. The short term reference rate (STRR) or the long term reference rate (LTRR) is linked depending on the tenure of the loan.
Before taking a personal loan, we need to know about Personal Loan Interest Rate 2024. If we apply for that loan without knowing the interest rate of personal loan, then we may have to face problems at the time of loan repayment.
What is the age of an individual to avail Aditya Birla Capital Personal Loan?
The age of the person applying for this loan should be between 23 years to 60 years, then only that person can apply for this loan.
Who can apply for ABCL?
Salaried individuals can apply for this loan. This loan is made available to salaried individuals on a good credit score.
Aditya Birla Capital personal loan amount
Loan from 1 lakh to 50 lakh is provided by Aditya Birla Finance.
Aditya Birla Personal Loan Tenure
The tenure of this loan given by Aditya Birla Finance is up to 7 years.
Aditya Birla Personal Loan Repayment Mode
You can repay this loan through ECS (Electronic Clearing Service), NACH (National Automated Clearing House).
Features of Aditya Birla Personal Loan
- You can get a personal loan from one lakh rupees to 50 lakh rupees.
- Salaried person who has monthly income can apply for this loan.
- You can apply for this loan online through the official website of Aditya Birla Capital.
- You are given up to 7 years to repay the loan.
- The interest rate of the loan is decided on the basis of the profile of the person.
- You do not need any kind of security or collateral to take the loan.
- The applicant can add a co-applicant to fulfill the eligibility.
- You can repay the Personal Loan through ECS / NACH.
- When the applicant completes 6 months of regular EMI payment, his foreclosure charges become nil.
Aditya Birla Personal Loan Eligibility
- Applicant’s age should be from 23 to 60 years.
- Wak salaried person who has monthly income can apply.
- The credit score of the applicant should be good.
Aditya Birla instant personal loan Documents Required
- Duly filled and signed application form for Aditya Birla Personal Loan with cross signed photographs
- Latest Form 16
- Bank details of last 3 months in which salary comes.
- KYC documents (Aadhaar Card / PAN Card / Driving License / Passport)
- Salary slip of last 3 months
Aditya Birla Personal Loan Apply?
If you also want to take advantage of this loan and want to apply for it, then you can visit Aditya Birla Capital’s official website personalfinance.adityabirlacapital.com can apply by visiting
Aditya Birla personal loan Apply Online
- To apply online, first you have to visit the official website of Aditya Birla Finance adityabirlacapital.com .
- After visiting the website, click on the Personal Loan option.
- As soon as you click on the option of personal loan, all the information related to this loan will come in front of you, which you have to read correctly.
- To apply, click on the option of Apply Now
- A form will open in front of you.
- In this, you have to enter some important details like name, mobile number, email etc. and click on submit.
- After this the bank will contact you and the loan process will be issued further.
How to apply offline?
- To apply offline, first you have to go to your nearest Aditya Birla Finance branch.
- Contact the staff of the branch who will provide you all the information related to personal loan.
- Then your documents will be verified.
- You have to fill a form with which documents have to be attached and submitted there.
- If your loan is approved then the loan amount is transferred to your bank account.
How to do Aditya birla personal loan EMI calculator?
Below we are giving you a table with the help of which you can do emi calculator. The EMI Payout given to you in this table is given monthly.
| Loan Amount (Rs.) and Rate of Interest | 1 year loan tenure | Loan tenure of 2 years | Loan tenure of 3 years | Loan tenure of 4 years | Loan tenure of 5 years |
|---|---|---|---|---|---|
| 4 lakh @ 14% p.a. | 35,914 | 19205 | 13,671 | 10,930 | 9,307 |
| 8 lakh @ 17% p.a. | 72,963 | 39,553 | 28,522 | 23,084 | 19,882 |
| 10 lakh @ 15% p.a. | 90,258 | 48,486 | 34,665 | 27,830 | 23,789 |
Procedure to do Personal Loan Eligibility Calculator
If you want to check whether you are eligible for aditya birla personal loan or not, then you have to first visit the official website of personalfinance.adityabirlacapital.com.
On the website, you will see the option of Eligibility Calculator, click on it. You can directly access this page by clicking on this link.
You have to enter all the information asked in this form correctly, after that click on the option of Calculate Now. After clicking, the information will appear in front of you.
Aditya Birla personal loan login process
- To login, first you have to visit Aditya Birla Capital’s official website personalfinance.adityabirlacapital.com.
- The login option will appear on the home page of the website, click on it.
- After clicking, the login form will open in front of you.
- You can login in this form by entering username, password.
How to check Aditya birla personal loan application status?
- First of all visit the official website of Aditya Birla Capital Personal Loan.
- Click on the option of Know your application status.
- A form will open in front of you.
- Enter application number and pen number in it and click on submit.
- After clicking, the application status will appear in front of you.
Aditya Birla Capital personal loan customer care number
If you are facing any kind of problem in taking this loan or you want to get more information about this loan then you can contact on Aditya Birla personal loan contact number given below:
- Toll free number – 1800 270 7000
- Email ID – [email protected]
Aditya Birla Capital personal loan vs other banks personal loan
So far friends, we have got information about Aditya Birla Personal Loan. Now let us see the difference between Aditya Birla Personal Loan and Personal Loan from Other Bank. You can see the difference in personal loan here:
| comparison criteria | Rate of interest | tenure | loan amount | processing fee |
|---|---|---|---|---|
| Aditya Birla Capital | As per applicant profile | 12 to 60 months | Rs. 1 lakh to 50 lakh | Up to 2% of the loan amount + GST |
| Bajaj Finserv | 12.99% onwards | 12 to 60 months | Up to Rs. 25 lakh | Up to 4.13% of the loan amount (including taxes) |
| axis Bank | 12-24% | 12 to 60 months | Rs. 50,000 to Rs. 15 lakh | Up to 2% of the loan amount plus GST |
| HDFC bank | 10.75-21.30% | 12 to 60 months | Up to Rs. 40 lakh | Up to 2.50% of the loan amount |
| City Bank | 10.50% onwards | 12 to 60 months | Up to Rs. 30 lakh | Up to 3% of the loan amount |
Conclusion:
Friends, in this article, we have given you complete information about Aditya Birla Personal Loan. If you have found the information given by me informative, then please share this article with your friends. If you want to get more information about this loan then you can contact Aditya Birla Personal Loan then comment below.
FAQs on Aditya Birla Personal Loan
How can I check my Aditya Birla personal loan status?
You can check the status of your loan by visiting the official website of Aditya Birla Capital.
How can I repay my Aditya Birla Personal Loan?
You can pay through ECS/NACH.
What is Aditya Birla Capital customer care?
Toll free number – 1800-270-7000
Does Aditya Birla offer Personal Loan?
Yes ! Aditya Birla provides personal loan. You can take a personal loan up to Rs 50 lakh.
What is the interest rate for personal loan in Aditya Birla?
It is decided on the basis of the applicant’s profile.