Here are a few factors

Rating 0 /
Total - 0 ratings
Location 50Km from Branch
CIBIL Score 700+
Processing Offline
Business Vintage 3 Year
Minimum Turnover 2 Cr+
Loan Amount & Tenure 5 Lac-50 Lac
(12 month to 36 month)
Loan Product Term Loan & OD Product
Rate of Interest & Type Normal:17% to 20% IF DSCR>1-15.75%-20% (Reducing)
TAT Sanction-3 Days
Disbursement-7 Days
Processing Fees 2% to 3%
Foreclosure Charges 4%
Applicant Type Any Self Employed Person
Whether Co-Applicant Mandatory Yes
Proprietor Age/Co-Applicant Age 23 Year- 65 Year(at the time of maturity)
Part Payment Allowed No
Whether Ownership Proof Required Yes, either office or residence one should be owned within Lending Branch Location
Business Registration Proof Mandatory Yes
Program 1. Banking-25 Lac.
2. GST-35 Lac
3. Income-50 Lac
Product for Professionals 1. MBBS & MD- 50 lac (ROI -14%-16%) COP Base
2. Chartered Accountant-50 Lac (ROI 15% to 17%)-COP Base
Negative Profile Both Side Rented, School, Advocates, Share Traders, Gym, Liquor Business, Travel, Real Estate, SPA
USP COP Base Product for Professionals
Additional 1 .Minimum 51% Shareholding required on Loan if applicant is LLP/Partnership firm/Company
2. Civil Contractors, Man Power Industry, Iron & Steel Industry is catious profile
3. Funding to textile Industry if turnover>5 Cr

A Wide Range of Aditya Birla Business Loan To Choose From

No matter what your need or budget is, ReferLoan has an option for everyone
Aditya Birla (Small Segment) Business Loan


23% onwards

Processing Fees

2.50% to 2.75%

Loan Amount

Upto 10 Lakhs

Cibil Score

Aditya Birla UBL Business Loan


20% to 28%

Processing Fees


Loan Amount

Up to 10 lacs

Cibil Score

Right Documents - Easy Process

Required Documents to Apply for Aditya Birla Business Loans

Documents Required

  • KYC of applicant & Co-Applicant
  • Last 3 year ITR with computation of income of applicant & co-applicant
  • Last 3 year audited balance sheet of applicant
  • Last 3 year Tax audit report of applicant
  • Last 12 month Bank Statement of applicant & co-applicant
  • 26AS of last 2 year of applicant & co-applicant
  • Copy of GST registration
  • Copy of MSME registration
  • Copy of Last 12 month GST return
  • Sanction letter of all running loan
  • Debt Sheet
  • Latest utility Bill of residence if owned or rent agreement if rented
  • Latest utility Bill of Office if owned or rent agreement if rented
  • 2 Reference with contact details
  • Last 3 year Debtors & Creditors on letter head
  • List of Directors & Shareholders, if applicant if Company or List of Partners if applicant is Partnership firm/LLP

Note : Aditya Bank Business Loan may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.

Some Important Points

1. KYC Means
If Applicant is
  • Company-MOA, AOA, COI , PAN Card
  • Partnership Firm/LLP- Partnership Deed & PAN Card
  • Proprietorship Firm- PAN Card, Adhaar Card, Passport size photo
For Co-Applicant
  • KYC means  Adhaar Card, PAN Card, Passport Size Photo
Co-Applicant means in case of
  • Company : Directors
  • Partnership firm/LLP : Partners
  • Proprietorship Firm : Spouse of Proprietor
2. If applicant is professional, then his professional degree is required

Here are a few factors about Aditya Birla Business Loans

Aditya Birla Finance Limited (“ABFL”), a subsidiary of Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India. ABFL offers end-to-end lending, financing and wealth management solutions to a diversified range of customers across the country. ABFL is registered with RBI as a systemically important non-deposit accepting non-banking finance company (“NBFC”) and is amongst the top five largest private diversified NBFCs in India based on AUM. The Aditya Birla Finance business loan is unique as it is the only unsecured business loan offered in India. It supports businesses by giving them a financial advantage in a market where competition is on the rise. Businesses can use loans for equipment purchases, business expansion, or even to launch a new venture. They give businesses the chance to achieve their objectives by taking care of various financial demands, such as those for working capital, debt consolidation, and asset acquisition. The product has been created for both individual and non-person entities, such as companies, traders, manufacturers, or independent contractors.
Leave Your Question


Yes, a self-employed individual can easily get a business loan from Aditya Birla.

The maximum repayment tenure for the business loan is 60 months.

No collateral is required when you apply for a business loan with Aditya Birla.

You can access the business loan information on its official website.

Aditya Birla usually takes around 7 to 10 working days to process a loan after submitting all the necessary documents.