Table of Contents

Aditya Birla Capital Personal Loan Highlights What are the Types of Aditya Birla Personal Loan?Aditya Birla Personal Loan Processing Charges How to Calculate Aditya Birla Personal Loan EMI?Aditya Birla Finance Personal Loan Eligibility Criteria Documents Required for Personal Loan in Aditya Birla How to Apply for a Personal Loan in Aditya Birla Finance?How to Check Aditya Birla Personal Loan Status Online?How to Download Aditya Birla Personal Loan Statement Online?Aditya Birla Capital vs Other Lenders Interest Rates (2025 Rates)Aditya Birla Personal Loan Customer Care Number & Contact Details Aditya Birla Personal Loan vs. NoBroker Cash Loan - Which is Better?Get Instant Cash with NoBroker InstaCash Frequently Asked Questions

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Home Blog Cash Loan Aditya Birla Personal Loan Interest Rate

Aditya Birla Personal Loan Interest Rate: EMI, Eligibility, Steps to Apply & Processing Fees in 2025

Published : September 17, 2025, 9:01 PM

Updated : September 18, 2025, 11:39 AM

Author : kruthi

Cash Loan

Personal Loan

1940 views

Summary

Aditya Birla Capital personal loans begin at 10.99% per annum, with loan amounts up to ₹50 Lakh and repayment tenures of up to 7 years. Designed for both salaried and self-employed individuals, they feature quick approvals, minimal documentation, and transparent processing. Borrowers can choose from term, flexi, or instant loan options, with benefits like digital applications, easy statement tracking, and competitive charges. Combining speed, affordability, and reliability, Aditya Birla Capital ensures flexible financial solutions for diverse personal and professional needs.

Table of Contents

Aditya Birla personal loans start at an interest rate of 10.99% per annum, with repayment tenures of up to 7 years. Available for both salaried and self-employed individuals, these loans help cover major needs like home renovation, higher education, or debt consolidation. As a trusted NBFC, Aditya Birla Capital provides structured personal loan products through a simple digital process, ensuring quick access, flexibility, and reliable financial support for diverse life goals.

Aditya Birla Capital Personal Loan Highlights

This table provides a consolidated overview of the key features and terms associated with an Aditya Birla personal loan, offering a quick reference for prospective borrowers.

Feature	Details
Loan Amount	Up to ₹50 Lakh
Interest Rate Range	10.99% p.a. onwards
Tenure	Up to 84 months (7 years) & 10 years under specific conditions [4]
Processing Fee	Up to 3% of the loan amount + applicable taxes
Prepayment Charges	5% to 6% (conditions apply) [5]
Approval Time	Instant for select customers; typically within a few hours for others

What are the Types of Aditya Birla Personal Loan?

Aditya Birla Capital offers several types of personal loans, each structured to cater to the specific financial circumstances and needs of different customer segments. [10]

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Loan Type	Loan Amount	Interest Rates (p.a.)	Tenure	Processing Fees	Approval Time
Term Personal Loan	Up to ₹50 Lakh	From 10.99% onwards	Up to 7 years	Up to 4%	Standard
Flexi Personal Loan	Up to ₹50 Lakh	Varies based on usage	Up to 7 years	Up to 4%	Quick
Instant Personal Loan	Up to ₹5 Lakh	Based on the profile	Not specified	As per policy	Instant

Aditya Birla Personal Loan Processing Charges

Prospective borrowers need to be aware of the various fees associated with an Aditya Birla Finance personal loan to understand the total cost of borrowing. [1]

Charge Type	Amount / Rate
Processing Fee	Up to 3% of the loan amount + GST.
Prepayment/Foreclosure Charges	5% to 6% of the principal outstanding + GST. Allowed only after 12 months.
Part-Payment Charges	Up to 4% on amounts greater than 20% of the disbursed loan + GST. No charges for payments up to 20%.
Late Payment Penalty	3% per month (36% p.a.) on the overdue EMI amount.
EMI Bounce Charges	₹1,000 + GST per instance of cheque or electronic payment return.
Loan Cancellation Charges	Varies; please contact the lender for specifics.
Stamp Duty	As per the actuals applicable in the respective state.

How to Calculate Aditya Birla Personal Loan EMI?

Calculating your Equated Monthly Instalment (EMI) is a critical step for financial planning. The Aditya Birla personal loan interest rate calculator uses a standard mathematical formula to determine your fixed monthly payment. [3]

The formula for EMI calculation is: EMI = [P x R x (1+R)^N] / [(1+R)^N-1] Where:
- P is the Principal loan amount.
- R is the monthly rate of interest (annual rate divided by 12).
- N is the number of monthly instalments (tenure in months).
Example: For a loan of ₹5 lakh at an 11% annual interest rate for a tenure of 5 years (60 months):
- The calculated EMI would be approximately ₹10,871.

Aditya Birla Finance Personal Loan Eligibility Criteria

To successfully apply for a personal loan, applicants must meet the specific Aditya Birla Finance personal loan eligibility criteria established by the company. [1]

For Salaried Individuals

Age: 21 to 60 years.
Citizenship: Must be a resident Indian.
Monthly Income: Minimum net monthly income of ₹15,000.
Credit Score: A CIBIL score of 700 or above is generally required.
Bank Account: Must have an active salary or savings bank account.

For Self-Employed Individuals

Age: 21 to 60 years.
Citizenship: Must be a resident Indian.
Business Stability: A stable business history is required.
Financial History: A strong and stable financial and repayment track record is essential.
Credit Score: A high credit score is a key determinant for loan approval.

Documents Required for Personal Loan in Aditya Birla

A standard set of documents is required to process your personal loan application. Arranging these documents beforehand can expedite the approval and disbursal process. [1]

The primary documents required for a personal loan in Aditya Birla are:

ID/address proof like PAN Card, Aadhaar Card, Passport, Voter ID and Utility Bills or Rental Agreement.
Latest 3 months' salary slips and the last 3-6 months' bank statements showing salary credits.
A PAN card is mandatory for the lender to retrieve your CIBIL score and credit history.
Recent passport-sized photographs.

How to Apply for a Personal Loan in Aditya Birla Finance?

The process to Aditya Birla personal loan is designed to be digital, simple, and quick, allowing for a convenient application from any location.

Step 1: Navigate to the personal loan section on the Aditya Birla Capital official website.
Step 2: Enter your personal, contact, and employment details in the digital application form.
Step 3: Mention the desired loan amount and tenure. The portal may provide an initial offer.
Step 4: Upload scanned copies of the required documents for Know Your Customer (KYC) and income verification.
Step 5: Upon successful verification and final approval, the loan amount is disbursed directly to your designated bank account.

How to Check Aditya Birla Personal Loan Status Online?

After submitting your application, you can easily track its progress through the company's digital channels. This helps you monitor the Aditya Birla personal loan application status.

Step 1: Visit the Aditya Birla Capital website and log in to the customer service portal using your registered credentials.
Step 2: Find the "My Loans" or "Application Status" section within your dashboard.
Step 3: The portal will display the current status of your application, such as 'In Progress', 'Approved', 'Disbursed', or 'Rejected'.

How to Download Aditya Birla Personal Loan Statement Online?

Accessing your loan details is a simple process. The Aditya Birla Personal Loan Statement Download feature on their website allows you to obtain your statement quickly by following these steps.[2]

Step 1: Visit the official Aditya Birla Capital website.
Step 2: Locate the 'Quick Services' or 'Digital Services' section on the homepage.
Step 3: Click on the link for 'Download Account Statement' or a similar option for your loan account.
Step 4: Enter your PAN (Permanent Account Number) on the new page for verification.
Step 5: Click the button to receive an OTP (One-Time Password) on your registered mobile number.
Step 6: Input the received OTP in the designated field to verify your identity and download the statement.

Aditya Birla Capital vs Other Lenders Interest Rates (2025 Rates)

When considering a personal loan, it is prudent to compare the Aditya Birla personal loan rate of interest with that of other leading lenders in the market.

Lender	Personal Loan Interest Rate (p.a.)	Unique Selling Proposition (USP)
Aditya Birla Capital	10.99% onwards	Fast digital processing, flexible loan products (Flexi Loan), and loan tenures up to 7 years.
HDFC Bank [6]	9.99% onwards	Wide branch network and quick disbursal for existing customers.
SBI [7]	10.05% onwards	Lower rates for government employees and those with high credit scores.
Poonawalla Fincorp [8]	9.99% onwards	Competitive interest rates with no foreclosure charges.
Tata Capital[9]	11.50% onwards	Simple eligibility and a fully digital loan application process.

Aditya Birla Personal Loan Customer Care Number & Contact Details

For any queries, assistance, or to register complaints, Aditya Birla personal loan customer care can be reached through multiple official channels.

Customer Care Number: You can contact the toll-free Aditya Birla personal loan customer care number at 1800 270 7000.
Email Support: For detailed queries or to submit documents, you can write to their official customer care email address: care.finance@adityabirlacapital.com.
Official Website: For loan applications, status checks, and other services, please visit their official website: adityabirlacapital.com.
Branch Visit: You can also visit any Aditya Birla Capital branch for in-person support.

Aditya Birla Personal Loan vs. NoBroker Cash Loan - Which is Better?

When evaluating borrowing options, it is useful to compare a traditional Aditya Birla Finance personal loan with modern fintech alternatives like NoBroker InstaCash.

Feature	Aditya Birla Personal Loan	NoBroker InstaCash
Approval Time	Instant to a few hours	Instant (within minutes)
Loan Amount	Up to ₹50 Lakh	Up to ₹10 Lakh
Eligibility	Based on salary, CIBIL score, and employment history.	Primarily based on consistent monthly rent payments.
Documentation	Requires income proof, bank statements, and KYC.	Minimal; primarily requires a rental agreement and basic KYC.

Get Instant Cash with NoBroker InstaCash

While an Aditya Birla Personal Loan is an excellent instrument for large, planned expenditures, immediate, smaller financial needs are often better served by a more agile solution. NoBroker InstaCash offers a convenient alternative, providing instant funds up to ₹10 Lakh based on your rental history. The process is fully digital, with minimal documentation, making it an ideal choice for urgent cash requirements that avoid the extensive eligibility checks of a traditional personal loan.

Frequently Asked Questions

Q1. What is the Aditya Birla personal loan interest rate in 2025?

Ans. The Aditya Birla personal loan interest rate starts from a competitive 10.99% per annum, with the final rate depending on the applicant's credit profile.

Q2. What CIBIL score is required for an Aditya Birla personal loan?

Ans. A CIBIL score of 700 or higher is generally required to be eligible for an Aditya Birla personal loan and to secure a favourable interest rate.

Q3. How to check Aditya Birla personal loan status?

Ans. You can check the Aditya Birla personal loan status by logging into your profile on the official Aditya Birla Capital website or mobile app.

Q4. How can I download an Aditya Birla personal loan statement?

Ans. You can download your loan statement by logging into the customer portal on the Aditya Birla Capital website and navigating to your active loan account details.

Q5. How long does Aditya Birla take to process a personal loan?

Ans. The Aditya Birla personal loan processing time is swift. An Aditya Birla instant personal loan can be approved and disbursed within a few hours for eligible applicants.

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kruthi,Author

Kruthi is a Chartered Accountant has worked for various Real Estate firms across India, she is well versed with the legal and financial aspects of all real estate transactions. There are numerous documents and plenty of hidden fees that people get lost in, her goal is to shed some light on it all.

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