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aditya birla personal loan

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How To Apply
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Mode of Process

Mail

Location

PAN India

Lending Size and Tenure

1L-50L (12M to 84 M)

ROI

13.50%-25%

ROI (Fixed/Reducing)

Fixed

Processing Fees

3%

Foreclosure

After 6 Months with applicable Fees

Partial Payment Allowance

Yes

Dealing in Unsecured OD

No

USP

Funding to Minus 1 Cibil up to 5 Lac

aditya birla personal loan EMI Calculator

Interest Type

Loan Amount

₹

Interest Rate

%

Loan Tenure

Mo
Loan Amount₹100,000
Interest %14 %
Tenure (months)12
Emi (monthly)₹ 8,979
Total Interest₹ 7,745
Loan Amount + Interest₹ 107,745
YearTotal Principal
( A )		Total Interest
( B )		Balance
( A + B)		Total Payment Loan Paid Till Date (%)
₹ 56,637₹ 6,216₹ 62,853₹ 43,36356.64 %
Jun₹ 7,812₹ 1,167₹ 8,979₹ 92,1887.81 %
Jul₹ 7,903₹ 1,076₹ 8,979₹ 84,28515.72 %
Aug₹ 7,996₹ 983₹ 8,979₹ 76,28923.71 %
Sep₹ 8,089₹ 890₹ 8,979₹ 68,20031.80 %
Oct₹ 8,183₹ 796₹ 8,979₹ 60,01739.98 %
Nov₹ 8,279₹ 700₹ 8,979₹ 51,73848.26 %
Dec₹ 8,375₹ 604₹ 8,979₹ 43,36356.64 %
₹ 43,365₹ 1,530₹ 44,895₹ 0100.00 %
Jan₹ 8,473₹ 506₹ 8,979₹ 34,89065.11 %
Feb₹ 8,572₹ 407₹ 8,979₹ 26,31873.68 %
Mar₹ 8,672₹ 307₹ 8,979₹ 17,64682.35 %
Apr₹ 8,773₹ 206₹ 8,979₹ 8,87391.13 %
May₹ 8,875₹ 104₹ 8,979₹ 0100.00 %
Work Process

Start with Aditya Birla Personal Loansin few steps

If you are planning to apply for a personal loan at Aditya Birla there are certain details that you should be aware of, Let’s discuss:

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.

Right Document : Easy Process

Documents and Eligibility Required

Eligibility

  • The age of the applicant should be between 21 to 65
  • The min. salary of the applicant should be 20k to 25K per month
  • The min. Employment should be min.1 year and min. 6 months in the current organization
  • The minimum CIBIL score has to be 750 or above

Documents Required

  • Ownership Proof Latest Utility Bill (If rented then rent agreement)
  • Copy of Cancel Cheque of Salary Account or Passbook front page
  • T Last 2 Year Form 16
  • Last 2 Year ITR if Filled
  • Company ID (If not available then Office Mail ID & Land Line Number)
  • Copy of Appointment Letter

PAN Card

Aadhaar Card

Latest Salary slip of 1 month

Ownership Proof

Voter ID

Latest Bank statements of 3 months

Apply for Loan

Negative Profile for Aditya Birla Personal Loans

A negative list or negative profile is a list of areas of the city where residents would not qualify for credit approval. In India, this has been a relatively new development.

Police/CBI/ACB

MCD 4th Grade

Advocate and Politician

Company which are in Liquidation or in BIFR

Mandir/Masjid/Gurudwara/Church

NGO

About Aditya Birl Personal Loan

Aditya Birla Finance offers Personal Loan to salaried individuals at competitive rates of interest. Taking a personal loan from Aditya Birla is one of the most viable options for consolidating your bills, wedding expenses, children's education, healthcare, and travel. Availing a personal loan that suits your requirement can help an individual to manage his/her financial commitments for the short term. Getting a personal loan from Aditya Birla is the easiest way to make all your financial dreams come true. With the best personal loan interest rates in the industry and a quick approval process, you can achieve your goals with greater ease.

Customer Care Details

You can reach out to Aditya Birla India, if you have any queries or require assistance.

Contact No. :- 1800 270 7000

Email :- care.finance@adityabirlacapital.com 

Let us take an example, How EMI is being calculated

For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T&C apply.
Year Principal
(A) 		Interest
(B) 		Total Payment
(A + B) 		Balance Loan Paid To Date
2022 ₹ 11,363 ₹ 5,969 ₹ 17,333 ₹ 88,637 11.36%
Aug ₹ 2,217 ₹ 1,250 ₹ 3,467 ₹ 97,783 2.22%
Sep ₹ 2,244 ₹ 1,222 ₹ 3,467 ₹ 95,539 4.46%
Oct ₹ 2,272 ₹ 1,194 ₹ 3,467 ₹ 93,267 6.73%
Nov ₹ 2,301 ₹ 1,166 ₹ 3,467 ₹ 90,966 9.03%
Dec ₹ 2,329 ₹ 1,137 ₹ 3,467 ₹ 88,637 11.36%
2023 ₹ 30,332 ₹ 11,266 ₹ 41,598 ₹ 58,305 41.70%
Jan ₹ 2,359 ₹ 1,108 ₹ 3,467 ₹ 86,278 13.72%
Feb ₹ 2,388 ₹ 1,078 ₹ 3,467 ₹ 83,890 16.11%
Mar ₹ 2,418 ₹ 1,049 ₹ 3,467 ₹ 81,472 18.53%
Apr ₹ 2,448 ₹ 1,018 ₹ 3,467 ₹ 79,024 20.98%
May ₹ 2,479 ₹ 988 ₹ 3,467 ₹ 76,545 23.45%
Jun ₹ 2,510 ₹ 957 ₹ 3,467 ₹ 74,036 25.96%
Jul ₹ 2,541 ₹ 925 ₹ 3,467 ₹ 71,495 28.51%
Aug ₹ 2,573 ₹ 894 ₹ 3,467 ₹ 68,922 31.08%
Sep ₹ 2,605 ₹ 862 ₹ 3,467 ₹ 66,317 33.68%
Oct ₹ 2,638 ₹ 829 ₹ 3,467 ₹ 63,679 36.32%
Nov ₹ 2,671 ₹ 796 ₹ 3,467 ₹ 61,009 38.99%
Dec ₹ 2,704 ₹ 763 ₹ 3,467 ₹ 58,305 41.70%
2024 ₹ 35,208 ₹ 6,390 ₹ 41,598 ₹ 23,097 76.90%
Jan ₹ 2,738 ₹ 729 ₹ 3,467 ₹ 55,567 44.43%
Feb ₹ 2,772 ₹ 695 ₹ 3,467 ₹ 52,795 47.20%
Mar ₹ 2,807 ₹ 660 ₹ 3,467 ₹ 49,988 50.01%
Apr ₹ 2,842 ₹ 625 ₹ 3,467 ₹ 47,147 52.85%
May ₹ 2,877 ₹ 589 ₹ 3,467 ₹ 44,270 55.73%
Jun ₹ 2,913 ₹ 553 ₹ 3,467 ₹ 41,356 58.64%
Jul ₹ 2,950 ₹ 517 ₹ 3,467 ₹ 38,407 61.59%
Aug ₹ 2,986 ₹ 480 ₹ 3,467 ₹ 35,420 64.58%
Sep ₹ 3,024 ₹ 443 ₹ 3,467 ₹ 32,397 67.60%
Oct ₹ 3,062 ₹ 405 ₹ 3,467 ₹ 29,335 70.67%
Nov ₹ 3,100 ₹ 367 ₹ 3,467 ₹ 26,235 73.76%
Dec ₹ 3,139 ₹ 328 ₹ 3,467 ₹ 23,097 76.90%
2025 ₹ 23,097 ₹ 1,169 ₹ 24,266 ₹ 0 100.00%
Jan ₹ 3,178 ₹ 289 ₹ 3,467 ₹ 19,919 80.08%
Feb ₹ 3,218 ₹ 249 ₹ 3,467 ₹ 16,701 83.30%
Mar ₹ 3,258 ₹ 209 ₹ 3,467 ₹ 13,443 86.56%
Apr ₹ 3,298 ₹ 168 ₹ 3,467 ₹ 10,145 89.86%
May ₹ 3,340 ₹ 127 ₹ 3,467 ₹ 6,805 93.19%
Jun ₹ 3,381 ₹ 85 ₹ 3,467 ₹ 3,424 96.58%
Jul ₹ 3,424 ₹ 43 ₹ 3,467 ₹ 0 100.00%
Leave Your Question

FREQUENTLY ASKED QUESTIONS

Aditya Birla is providing personal loans to customers who are in need of sudden cash to meet some requirements. The process of availing of the loan is easy, and you can get that from their website.

When you need credit, you can apply for an Aditya Birla personal loan. The Bank verifies and accepts your unique loan application when you submit it to them. The loan money is then transferred to your bank account. You must reimburse the lender via EMIs for the duration of the loan repayment period after receiving the loan amount.

Aditya Birla Financial Services has always tried to make it easy for customers to get loans. To help you manage your account, they have introduced a new secure service platform called ABFL Connect. You can use your login details to access this secure website and manage your loan account.

To apply for a Personal Loan at Aditya Birla, your minimum salary needs to be Rs. 20,000 at least.

Yes, the processing fee for Aditya Birla Personal Loan is 3% of the loan amount.

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