Regulated NBFCSalaried Employeesunsecured

Aditya Birla Capital Personal Loan

आदित्य बिड़ला कैपिटल पर्सनल लोन

Aditya Birla Capital personal loan up to ₹50 Lakhs with repayment tenure up to 84 months.

Max Loan Amount

₹50,000 to ₹50,00,000

Interest Rate

10.99% - 26.00% p.a. (risk-grade fixed)

Tenure

12 to 84 months

Processing Fee

Up to 3.00% of loan amount + GST

✦ What It Is: Product Architecture & Regulatory Scope

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.

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• 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.

✦ Key Benefits & Features

• 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.

✦ Prepayment, Part-Payment & Foreclosure Rules

Prepayment allowed after 6 months; foreclosure fee of 4% + GST applies.

✦ Eligibility Requirements

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.

Min Age21 Years

Max Age60 Years

Min Monthly Income₹25,000

Min CIBIL Score720+

✦ Documents Required

• 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.

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

1. Open ABC Direct App > Loans > Personal Loan. Pre-approved limit displayed. Authenticate with OTP.

Pathway B

New Online Applicant (Fresh Digital)

1. Visit adityabirlacapital.com > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

Pathway C

Branch Walk-In Application

1. Visit nearest Aditya Birla Finance branch with 3 months salary slips, Form 16, and bank statements.

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (Aditya Birla Capital Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on Aditya Birla Capital Personal Loan

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.