Aditya Birla Capital Personal Loan


Aditya Birla Capital Personal caters to the financial needs of salaried individuals, offering unsecured loans with competitive interest rate starting from 19.25% p.a. These loans, ranging up to Rs 50 lakh and extendable up to 7 years, support diverse needs such as medical emergencies, education, weddings, travel, home improvement, and more.

For a seamless and quicker application process, apply for your Aditya Birla Capital loan conveniently with Buddy loan now. Buddy loan helps you to meet the right lenders at right time catering to your specific needs.

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Aditya Birla Capital Online Personal Loan Details

Birla Capital Personal loan provides you the convenience and accessibility with the best personal services. And here are the major details that you should know in order to experience seamless process and advantages of securing a personal loan online through Birla Capital.

Interest rate 19.25% p.a. to 28% p.a.
Loan Amount Up to Rs 50 lakh
Tenure Up to 7 years
Age 21 years to 80 years
Processing Fees Up to 3% of the loan amount

Aditya Birla Capital Personal Loan Interest Rates & Charges

To begin with a Birla Capital Personal Loan, understand its interest rates and charges for a comprehensive view of borrowing. Gain insights into the competitive interest rates, processing fees, pre-closure charges, and CIBIL charges associated with Aditya Birla Personal Loans.

Particulars Fees & Charges
Interest Rate 19.25% - 28% p.a
Processing fees Up to 3% of the loan amount
Pre-closure charges Rs 1,000 + GST
CIBIL Charges Rs 100 + GST

Aditya Birla Capital Personal Loan EMI Calculation

Birla Capital offers personal loans that provide financial help to meet various personal needs and obligations. Calculating the Equated Monthly Installment (EMI) for a Birla Capital personal loan allows you to plan your repayments effectively and manage your budget. The EMI comprises both the principal amount and the interest, spread out over the loan tenure in fixed monthly payments.

To calculate your EMI for Personal Loan, use the calculator below. Input your details as requested, and the resulting payable EMI will be displayed on the screen.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Ready to take the next step? Apply for a Personal loan now!

Aditya Birla Capital Bank Personal Loan Eligibility

Discover if you meet the criteria for a Birla Capital Bank Personal Loan with our eligibility assessment. Refer the list below to keep your Birla Capital Personal loan eligibility criteria on check;

Age 23-60 years
Credit Score 750 and above
Income level ₹15,000 (other locations) & ₹20,000 (metro locations)
Employment Salaried or Self-employed

Documents Required for Aditya Birla Capital Personal Loan

This comprehensive table outlines the essential documents needed to streamline your online application process for a Birla Capital Personal Loan, empowering you to take this significant financial step with confidence. Here's a breakdown of the required documents for applying for a personal loan with Birla Capital:

Proof of Identity: PAN card, Aadhaar card

Proof of Address: Passport, Aadhaar card, etc.

Bank verification form.

Latest Loan outstanding statement for refinance cases.

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Comparison of Aditya Birla Capital Personal Loan Vs Other Banks

Birla Capital Personal Loan offers tailored financial solutions to meet individual needs, but how does it compare to personal loan offerings from other banks? Go through the table to explore a brief comparison to understand the distinguishing features, benefits, and suitability of Birla Capital Personal Loan versus personal loans from various other banks.

Top Banks/NBFCs Interest Rate (p.a.)
Bank of Baroda 10.90% onwards
HDFC Bank 10.50% onwards
SBI 11.00% onwards
ICICI Bank 10.50% onwards
Axis Bank 10.49% onwards

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Features of Aditya Birla Capital Personal Loan

Here are the major features that set Birla Capital Personal Loan apart, catering to your unique financial needs and aspirations:

Maximum Loan

Avail loan amount upto
Rs. 50 Lakh

Interest Rate

Get loan on interest rate
starting @13% p.a.

Tenure

Avail maximum loan
tenure of 7 years

Minimal Paperwork

Get hassle free loan with
minimal documentaion

Processing

Faster the processing
quicker loan

Quick Approval

Get loan approval in
minutes after application

Steps to Apply for Personal Loan

Buddy Loan is a loan service provider with a pool of verified lenders. Let’s go through the steps to apply for a personal loan on Buddy Loan from below:

Step 1: - Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).

Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.

Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option

Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).

Step 5: Enter your work details (Including company name, years of service and Designation)

Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)

Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

Take the next step? Apply for a Personal loan now!

Frequently Asked Questions on Finnable Loan

Aditya Birla Capital Personal Loan is a financial product that provides individuals loan for various personal needs such as home renovation, wedding expenses, medical emergencies, and more.

Eligibility criteria typically include a minimum age of 23 years and a maximum age of 60 years, a stable source of income, and specific credit score requirements.

You can apply for an Aditya Birla Capital personal loan online with Buddy loan. The application process is simple and involves filling out the application form and submitting necessary documents.

Commonly required documents include identity proof, address proof, income proof, bank statements, and passport-sized photographs.

The maximum loan amount you can avail off with Aditya Birla Capital is up to Rs. 50 lakhs, depending on your eligibility and creditworthiness.

The interest rate on Aditya Birla Capital Personal Loan starts at 19.25% p.a . However, factors like credit score, loan amount, and tenure can influence your overall interest rate as well.

Yes, you can prepay or foreclose your personal loan with Aditya Birla Capital. Charges for prepayment or foreclosure vary and are usually a percentage of the outstanding loan amount. It's best to check with Aditya Birla Capital for specific details.

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Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.

The information provided above is for general informational purposes only and does not constitute an offer or solicitation to avail of any financial services or products. Buddy Loan is a Digital Fintech Marketplace that connects borrowers with lenders and is not a lender itself. While we strive to ensure that the information regarding interest rates, loan amounts, and terms provided by our partner Banks and NBFCs is accurate and up-to-date, these details are subject to change at the discretion of the respective lenders.


Before making any financial decisions, we strongly advise you to read the terms and conditions of the specific loan product and consult with the lender directly. Buddy Loan does not guarantee the approval of any loan application, as approval is subject to the lender's assessment and your creditworthiness. Buddy Loan will not be held responsible for any discrepancies or damages arising from the use of this information. Please verify all loan-related details & documents with the respective lender before proceeding.


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