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Aditya Birla Personal Loan - Interest rates from 11.99%

Secure the funds you need with Aditya Birla Personal Loans. Your path to financial freedom starts here.

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Aditya Birla Personal Loan: Your Road to Financial Freedom

Aditya Birla understands that financial needs can arise at any moment, and having a trusted partner can make all the difference. Their Personal Loan product is designed to provide you with the financial flexibility you need in your life.

Benefits of Aditya Birla Personal Loan

Quick Approval: Their streamlined application and approval process ensures that you receive the funds you need in the shortest possible time.

Flexibility: You can use the loan for any purpose, whether it’s for a dream vacation, home renovation, medical expenses, or debt consolidation.

Attractive Interest Rates: Aditya Birla offers personal loan at competitive interest rates to make your borrowing experience affordable.

Repayment Options: Aditya Birla offers personal loan upto tenure of 7 years

Loan Amount: You can get loan amount upto Rs. 50 Lakhs

No Collateral Needed: Aditya Birla Personal Loans are unsecured, meaning you don’t need to provide collateral or security.

Easy Application: Applying for a personal loan is a hassle-free process, and you can do it online or in person.

Minimal Documentation: We require only a few essential documents to process your loan application.

Loan Top-Up: If you have an existing personal loan, you can avail of a top-up loan to cover additional expenses.

Fees and charges of Aditya Birla Personal Loan

Processing Fees: A nominal processing fee of 2% is charged to cover the cost of your loan application processing.
Default Penal Interest Rate – 24%
Cheque Return Charges – Rs. 750
Duplicate Statement – Rs. 200 per Instance
Foreclosure charges – 4% of Principal Outstanding + GST
Loan re-schedule charges – Rs. 7500 + GST
Stamp Duty – As applicable

Part payment Charges

(i) Nil Charges – if part payment is equal to 20% of the total disbursed amount

(ii) 3% + GST on the remaining loan amount, if part payment is greater than 20% of amount disbursed

Conditions

No Prepayment is allowed in first 6 months from the date of disbursement
Part Pre-payment should be equal to atleast greater than total of 3 EMIs
In the first year of loan tenure, prepayment is allowed atleast once

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Eligibility criteria for Aditya Birla Personal Loan

Salaried individuals and self-employed professionals
Indian citizens aged between 21 and 80 years
Minimum monthly income of ₹25,000 for salaried individuals and ₹30,000 for self-employed professionals
Good credit score

Documents required for Aditya Birla Personal Loan

To apply for an Aditya Birla Personal Loan, you’ll need the following documents:
Identity Proof: Aadhar card, passport, voter ID, or driver’s license.
Address Proof: Utility bills, passport, or rental agreement.
Income Proof: Salary slips, bank statements, or income tax returns.
Passport-sized Photographs: Recent passport-sized photographs for your loan application.

How to Apply for an Aditya Birla Personal Loan?

You can apply for a Bajaj Finance Personal Loan online or through a Bajaj Finserv branch or Fincover. To apply online at Fincover. com

Visit www.fincover.com website and fill out the application form
You will need to provide your personal and financial details, such as your name, address, income, and employment status.
You will also need to upload your KYC documents, such as your PAN card and Aadhaar card
Fill out the application and you will get a loan reference number. Track your personal loan details further here

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What is the maximum loan amount I can avail of?

The maximum loan amount you can avail at Aditya Birla finance is 50 Lakhs.

Can I prepay my loan before the tenure ends, and are there any charges for doing so?

Yes, you can prepay your loan, but prepayment charges may apply. The specific charges will depend on your loan agreement.

What is the loan tenure available for Aditya Birla Personal Loans?

Aditya Birla Capital typically offers flexible loan tenures, ranging from 12 months to 8 years. The exact tenure will depend on your eligibility and preferences.

Do I need to provide collateral for an Aditya Birla Personal Loan?

Aditya Birla Personal Loans are unsecured, meaning you don't need to provide collateral or security.

How can I apply for a personal loan with Aditya Birla Capital?

You can apply for a personal loan through their website. Alternatively you can also apply through Fincover.com.