आदित्य बिड़ला कैपिटल पर्सनल लोन
Aditya Birla Capital personal loan up to ₹50 Lakhs with repayment tenure up to 84 months.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Aditya Birla Finance's multi-purpose unsecured personal loan offering large borrowing limits up to ₹50 Lakhs with paperless digital processing and flexible repayment tenures up to 7 years.
प्रमुख लाभ एवं विशेषताएं
• High loan quantum up to ₹50 Lakhs for comprehensive funding needs • Extended repayment tenure up to 7 years (84 months) • 100% paperless digital onboarding via ABC Direct mobile app • Fast sanction and disbursement within 24 hours.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Salaried corporate employees with minimum 1 year total work experience. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 6 months; foreclosure fee of 4% + GST applies.
📂आवश्यक दस्तावेज (Required Documents)
• Identity & Address Proof: PAN Card, Aadhaar Card • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Foreclosure lock-in of 6 full months. • Steep foreclosure fee of 4% + GST on outstanding principal. • High interest rates reaching up to 26% for lower credit scores. • Mandatory salary credit verification.
🚀आवेदन के चरण (How to Apply)
1. Open ABC Direct App > Loans > Personal Loan. Pre-approved limit displayed. Authenticate with OTP.
1. Visit adityabirlacapital.com > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.
1. Visit nearest Aditya Birla Finance branch with 3 months salary slips, Form 16, and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan limit in Aditya Birla Capital?
Up to ₹50 Lakhs depending on your net monthly salary and credit score.
What is the foreclosure charge?
4% plus GST on the principal outstanding after the initial 6-month lock-in period.
What is the minimum credit score required?
A minimum CIBIL score of 720 is recommended.