Aditya Birla Capital
Aditya Birla Capital Limited (ABCL) is one of India’s leading Non-Banking Financial Companies (NBFCs) and a part of the Aditya Birla Group. It offers a wide range of financial solutions, including Home Loans, Personal Loans, Business Loans, Loan Against Property, Gold Loans, and Insurance. The company is known for its digital loan process, quick approvals, and customized financial solutions for salaried individuals, self-employed professionals, and businesses.
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Aditya Birla Capital Loan Interest Rates
| Loan Type | Interest Rate (p.a.) | Processing Fee | Loan Amount | Repayment Tenure |
|---|---|---|---|---|
| Home Loan | Starting from 8.50% | Up to 2% + GST | Up to 90% of property value | Up to 30 Years |
| Personal Loan | Starting from 10.99% | Up to 4% + GST | Up to ₹50 Lakhs | Up to 84 Months (7 Years) |
| Business Loan | Starting from 17.65% (Reference Rate) | Up to 4% + GST | Based on business eligibility | Up to 60 Months (5 Years) |
| Loan Against Property | Starting from 9.50% | Up to 2% + GST | Based on property value | Up to 20 Years |
EMI Calculator – Calculate Your Monthly Loan EMI Instantly
Use the BorrowRight EMI Calculator to estimate your monthly EMI, total interest payable, and total repayment amount for Home Loans, Personal Loans, Car Loans, Business Loans, and Loan Against Property. Adjust the loan amount, interest rate, and tenure to find the repayment plan that fits your budget.
This layout is user-friendly, improves engagement, and can encourage more visitors to submit loan inquiries.
Eligibility Criteria
Salaried Applicants
- Age: 21–65 years
- Stable monthly income
- Good credit score (preferably 750+)
- Regular employment
Self-Employed Applicants
- Age: 21–65 years
- Stable business income
- Business continuity as per company policy
- Good repayment history
Documents Required
Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
For Salaried
- Last 3 Salary Slips
- Bank Statements (3–6 months)
- Form 16 (if applicable)
For Self-Employed
- Last 2 Years ITR
- GST Registration
- Financial Statements
- Bank Statements
Loan Charges
| Charge | Details |
|---|---|
| Processing Fee | Up to 4% of the loan amount + GST (varies by loan product). |
| Documentation Charges | Applicable for selected loan products. |
| Late Payment Charges | Penal charges up to 3% per month on overdue amounts. |
| Foreclosure/Prepayment Charges | Up to 4% of the outstanding loan amount + GST, depending on the loan product and terms. |
| EMI Bounce Charges | ₹1,000 + GST per failed payment (loan product specific). |
| Loan Cancellation Charges | 4% of the disbursed loan amount + applicable taxes. |
| CIBIL Report Charges | ₹100 + GST per request (where applicable). |
| GST & Government Taxes | Applicable on processing fees and other service charges |
Why Choose Aditya Birla Capital?
- ✔ Trusted Aditya Birla Group company
- ✔ Quick online loan approval
- ✔ Minimal documentation
- ✔ Flexible EMI repayment options
- ✔ Customized loan solutions
- ✔ Digital loan application and tracking
- ✔ Dedicated customer support
- ✔ Secure online account management
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