हिंदी में पढ़े
|
Aditya Birla Personal Loan Highlights |
|
| Interest rate | Min. APR- 10.99% p.a. Max. APR- 30.00% p.a. |
| Loan Amount | Up to Rs 50 lakh |
| Tenure | Up to 7 years |
| Processing Fees | Up to 3% of the loan amount |
Note: Rates as of 19th November 2024
Table of Contents
Aditya Birla Personal Loan Interest Rates
| Type | Interest Rate (p.a.) |
| Minimum APR | 10.99% |
| Maximum APR | 30.00% |
Comparison of Personal Loan Interest Rates of Top Lenders
| Banks/NBFCs | Interest Rates(p.a.) | |
| Axis Bank | 11.25% onwards | Apply Now |
| IndusInd Bank | 10.49% onwards | Apply Now |
| IDFC First Bank | 10.99% onwards | Apply Now |
| HDFC Bank | 10.85% onwards | Apply Now |
| ICICI Bank | 10.85% onwards | Apply Now |
| Kotak Mahindra Bank | 10.99% onwards | Apply Now |
| Tata Capital | 11.99% onwards | Apply Now |
| Federal Bank | 12.00% onwards | Apply Now |
| DMI Finance | 12.00% - 40.00% | Apply Now |
| L&T Finance | 12.00% onwards | Apply Now |
| Kreditbee | 16.00% - 29.95% | Apply Now |
| MoneyTap | 13.00% onwards | Apply Now |
| Piramal Finance | 12.99% onwards | Apply Now |
| Aditya Birla | 10.99% onwards | Apply Now |
| Moneyview | 14%-36% | Apply Now |
| Cashe | 27.00% onwards | Apply Now |
Also check which bank/NBFC is best for personal loans
Apply for Personal Loan with Quick Disbursal Click Here
Types of Aditya Birla Capital Personal Finance
Aditya Birla Personal Loan
Purpose: Aditya Birla Finance offers personal loans to salaried individuals to finance their personal requirements, such as purchase of household or electronic goods, education, wedding expenses, medical emergencies, home improvement and travel.
Loan Amount: Up to Rs 50 lakh
Tenure: Up to 7 years
Aditya Birla Flexi Personal Loan
Purpose: Aditya Birla Flexi Personal Loan is a Personal Loan Overdraft facility wherein the applicants can withdraw money from the loan account within the pre-determined limit based on their credit profile. The applicant can then make repayment as per the availability of cash flow.
Tenure: Up to 7 years
Aditya Birla Personal Loan Fees and Charges
| Processing Fee | Up to 3% of the loan amount |
| Pre-closure Charges | Rs 1,000 + GST |
| Cheque Return Charges | Rs 500 + GST |
| CIBIL Report Retrieval Charges | Rs 100 + GST |
| Stamp Duty | As per actuals |
| Loan Cancellation Charges | 4% of loan amount + GST |
| Default penal charges | 3% of pending amount per month |
| Insurance premium | As per actuals |
| CIBIL report retrieval charges | Rs 100 + GST |
| Part Pre-payment Charges | For Term Loan Facility:
For Flexi Personal Loan:
|
| Foreclosure Charges | For Term Loan: 4% of the principal outstanding + GST
For Flexi Personal Loan: 4% of the withdrawn amount + GST Foreclosure is allowed only 12 months after the loan disbursalAlso know the processing fee for personal loan |
Eligibility Criteria for Aditya Birla Personal Loan
- Applicants should be between 21 to 60 years of age.
- Applicant should be an Indian resident.
- Salaried and self-employed individuals are eligible for Aditya Birla Personal Loan.
- The lender usually considers applicants having a credit score of 750 or above.
- The applicant should have a reliable and stable financial history including the repayment track record.
Documents Required for Aditya Birla Personal Loan
- Last 3 months salary slips or Salary certificate
- Last 3 months bank statement
- KYC documents
EMI Calculation
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Apply for Personal Loan with Quick Disbursal Click Here
FAQs
Can I choose between a fixed and floating rate of interest while applying for Aditya Birla Capital Personal Loan?
Ans. Aditya Birla Finance offers personal loans only at fixed rate of interest.
Do the applicants need any security or collateral while applying for Aditya Birla Personal Loan?
Ans. Personal loan applicants do not need to submit any security or collateral while applying for personal loan with Aditya Birla capital.
Can the applicants club the income of the co-applicant to enhance the personal loan eligibility?
Ans.Yes, Aditya Birla Capital allows the applicants to club the income of the co-applicant while applying for personal loan.
Can self-employed individuals avail personal loan from Aditya Birla Finance?
Ans. Aditya Birla Capital offers personal loan to salaried individuals only.
At what minimum credit score can I avail Aditya Birla Personal Loan?
Ans. Aditya Birla Finance has not explicitly stated the cut-off credit score for personal loan applicants. However, the applicants having scores of 750 and above usually have higher chances of availing personal loans at lower interest rates.