Regulated NBFC / FinTechTerm Loan (Capex / Expansion)Small Enterprise (Investment ≤ ₹10 Cr)🛡️CGTMSE CoveredVerified: 2026-09-29

Aditya Birla Finance MSME Term Loan

Primary Lending Institution:Aditya Birla Finance Ltd.

₹10 Lakh to ₹10 Crore MSME credit at 9.50% – 13.50% with Up to 7 years tenure.

Interest Rate9.50% – 13.50%Linked to EBLR / MCLR / Risk

Loan Amount Quantum₹10 Lakh to ₹10 CroreBased on turnover & project cost

Repayment TenureUp to 7 yearsWith moratorium where applicable

Collateral SecurityRequires 3 years audited financial statements and minimum annual turnover of ₹1 Crore.

What's Missing: Crucial Fine-Print & Exclusion Gaps

Requires 3 years audited financial statements and minimum annual turnover of ₹1 Crore.

Note: Eligo publishes these regulatory and commercial exclusions directly from bank product guidelines and CGTMSE rules to protect MSME applicants from unexpected fee debits or loan rejection surprises.

What is Aditya Birla Finance MSME Term Loan?

Comprehensive SME financing solution providing capital expenditure and working capital facilities.

Key Benefits & Features

High loan eligibility; digital document upload; personalized relationship desk; brand trust of Aditya Birla Group.

Government Subsidy & Credit Guarantee Coverage

CGTMSE / Bank Guarantee / Normal Security

Enterprise Eligibility Criteria

Established small and medium enterprises with steady EBITDA.

Business Vintage3+ Years in Operation

Min. Annual Turnover₹100.0 Lakh

Processing Fee1.00% + GST

Prepayment TermsZero prepayment penalty on floating rate loans as per regulatory norms

How to Apply (3 Verified Paths)

💼Path 1: Current Account Portal

Apply online via business net banking or approach loan account manager.

🌐Path 2: Official FinTech / Govt Portal

Apply online at https://www.adityabirlacapital.com/business-loans with digital KYC and financial statements.

🏢Path 3: SME Banking Center Walk-In

Visit nearest MSME branch of the institution with business registration and bank statements.

Eligo does not collect business loan applications or financial data. Apply directly on the verified official domain:

Visit Official Portal↗

Documents Required Checklist

Udyam Registration Certificate, PAN, Aadhaar, Last 2 years ITR and financial statements, 12 months GST returns, 6 months bank statement.

Frequently Asked Questions

What is the maximum loan tenure and amount for Aditya Birla Finance MSME Term Loan?

Borrowers can avail ₹10 Lakh to ₹10 Crore with a repayment tenure of Up to 7 years.

What are the processing charges and collateral terms for Aditya Birla Finance MSME Term Loan?

The processing fee is 1.00% + GST. Collateral terms: Requires 3 years audited financial statements and minimum annual turnover of ₹1 Crore.

What are the eligibility criteria for Aditya Birla Finance MSME Term Loan?

Established small and medium enterprises with steady EBITDA. Minimum business vintage required is 3 year(s).

How can an applicant apply for Aditya Birla Finance MSME Term Loan?

Apply online at https://www.adityabirlacapital.com/business-loans or visit nearest branch with KYC, Udyam registration, and bank statements.