Aditya Birla Capital

Aditya Birla Finance offers personal loans only to salaried persons but at convenient rates of interest. If you apply instant Aditya Birla Personal Loan online, the highest available loan quantum is Rs. 15 lakh, and to repay the loan, one can get up to 36 months of long tenure.

Features That Can Attract You

  • Apply instant Aditya Birla Finance Personal Loan online as it is collateral-free.
  • In case you apply Aditya Birla Finance Personal Laon online, the loan approval is instant and disbursal of the amount is quick.
  • The loans are chargeable at the rate of interest that is decided on the credibility of the borrower.
  • Both lower and higher loan amount is available.
  • Flexible tenure makes repayment easy.
  • When you apply instant Aditya Birla Finance Personal Loan online, it becomes paperless and hassle-free.

Aditya Birla Finance Personal Loan Criteria

Available Loan Amount Rs. 25,000 to Rs. 15 lakh
Rate of Interest 14% to 26% p.a. (It will depend on the eligibility of the applicant)
Loan Tenure Up to 36 months
Processing Fees Up to 2%

 

Other Fees & Charges

Late Fee 24% p.a.
Foreclosure Charges Nil (allowed only after the first 6 months of the loan agreement)
ECS failure or Cheque Bounce Charges Rs. 750 per event
ECS Exchange Charges Rs. 750 per event
Charges for NOC Issuance Rs. 500
Charges for Duplicate Statement Rs. 200 per event
Stamp Duty As per the law
Fee for CIBIL Report Retrieval Rs. 50 per event

 

Eligibility Criteria

Only salaried individuals between 23 years to 55 years can apply instant Aditya Birla Finance Personal loan online, and they need to meet the following eligibility criteria. They should have a stable net monthly salary to meet the lender’s requirements. Business loans are available for self-employed individuals.

Vital Documents For The Application

Minimal documents are required to apply instant Aditya Birla Finance Personal Loan online.

  • PAN Card
  • Aadhaar Card
  • Bank statements

How To Apply Instant Aditya Birla Finance Personal Loan Online

  • Go to Roopya’s official website.
  • Put the personal details and loan requirements in the respective fields.
  • Then to apply Aditya Birla Finance Personal Loan online, select it from the list that appeared on the screen.
  • Then check the lender’s eligibility criteria and complete the process to apply Aditya Birla Finance Personal Loan online by uploading the required documents.

An Example Of EMI for Aditya Birla Finance Personal Loan

If you apply instant Aditya Birla Finance Personal Loan online, then for a quantum of Rs. 1 lakh, your EMI breakup will be as follows for 1-year tenure @ 14% ROI annually.

No. Of EMIs EMI Amount Interest Principal Paid Amount Paid Till Date (%) Balance
1 Rs. 8,979 Rs. 1,167 Rs. 7,812 7.81% Rs. 92,188
2 Rs. 8,979 Rs. 1,076 Rs. 7,903 15.72% Rs. 84,285
3 Rs. 8,979 Rs. 983 Rs. 7,995 23.71% Rs. 76,289
4 Rs. 8,979 Rs. 890 Rs. 8,089 31.80% Rs. 68,201
5 Rs. 8,979 Rs. 796 Rs. 8,183 39.98% Rs. 60,018
6 Rs. 8,979 Rs. 700 Rs. 8,279 48.26% Rs. 51,739
7 Rs. 8,979 Rs. 604 Rs. 8,375 56.64% Rs. 43,364
8 Rs. 8,979 Rs. 506 Rs. 8,473 65.11% Rs. 34,891
9 Rs. 8,979 Rs. 407 Rs. 8,572 73.68% Rs. 26,320
10 Rs. 8,979 Rs. 307 Rs. 8.672 82.35% Rs. 17,648
11 Rs. 8,979 Rs. 206 Rs. 8,773 91.12% Rs. 8,875
12 Rs. 8,979 Rs. 104 Rs. 8,875 100.00% Rs. 0

 

FAQs 

  • When I apply instant Aditya Birla Finance Personal Loan online, how long does it take to approve?

If you apply Aditya Birla Finance Personal Loan online, then instant approval will take a few minutes. And that will depend on the right information and documents you serve for the application.

  • How can I check my application status if I apply Aditya Birla Finance Personal Loan Online?

To check the application status you need to login to Aditya Birla Finance and enter your loan application references. Otherwise, Roopya will keep you intimating about the status when you apply Instant Aditya Birla Finance Personal Loan online.