Aditya Birla Capital Personal Loan: Complete Guide (2025)

Last Updated: December 2025

Editorial Team : One Touch Finance

This guide provides factual, verified information about Aditya Birla Capital’s personal loan products based on publicly available data and official sources.

About Aditya Birla Capital

Aditya Birla Capital Limited (ABCL) is a systemically important non-deposit taking Non-Banking Financial Company (NBFC) regulated by the Reserve Bank of India. According to their official disclosures, the company employs over 63,750 people and operates through 1,712+ branches across India with more than 200,000 agents and channel partners.

Key Facts:

Parent Company: Aditya Birla Group
Type: Listed NBFC
Regulatory Body: Reserve Bank of India (RBI)
Network: Pan-India presence

Loan Products Overview

Aditya Birla Capital offers several personal loan products:

1. Standard Personal Loan

Loan Amount: ₹1 lakh to ₹40-50 lakhs
Tenure: 12 to 84 months (up to 7 years)
Usage: Weddings, medical expenses, home renovation, education, travel, debt consolidation
Collateral: Unsecured (no collateral required)

2. Flexi Personal Loan

An overdraft facility where borrowers can withdraw funds within a pre-approved limit and pay interest only on the utilized amount.

3. Instant Personal Loan

Quick approval loans with minimal documentation, with loan amounts up to ₹5 lakhs for eligible customers.

Interest Rates & Charges

Current Interest Rate Structure

According to multiple verified sources, Aditya Birla Capital’s personal loan interest rates vary based on customer profile:

Interest Rate Range:

Starting Rate: 10.99% p.a. to 13% p.a.
Maximum Rate: Up to 28-32% p.a.
Rate Type: Fixed interest rates (remain constant throughout loan tenure)

Reference Rates (Effective March 1, 2024):

Long-Term Reference Rate (LTRR): 20.45% p.a.
Short-Term Reference Rate (STRR): 19.45% p.a.

Processing Fees & Other Charges

Processing Fee: 1.5% to 3% of loan amount + GST
Prepayment Charges: Allowed after 12 months; charges apply for prepayment beyond 20% of outstanding amount within a year
Late Payment Charges: Applicable (refer to sanction letter for specific terms)

Important Note: Rates are subject to change and depend on individual credit assessment. The actual rate offered depends on:

Credit score (CIBIL score)
Monthly income
Employment stability
Loan amount and tenure
Debt-to-income ratio

Eligibility Criteria

Basic Requirements

Age:

Salaried: 21-23 years (minimum) to 60 years (maximum)
Self-Employed: 25-27 years (minimum) to 65-70 years (maximum)

Employment:

Salaried: Minimum 1-2 years total work experience with at least 6-12 months in current organization
Self-Employed: Stable business history with verifiable income

Income:

Minimum monthly income varies by city tier
Generally requires stable income credited to bank account

Credit Score:

Recommended: 700+ for better rates
Minimum: 650-700 (lower scores may face higher rates or rejection)

Application Process

How to Apply

Online Application:

Visit the official Aditya Birla Capital website or use the ABC One mobile app
Fill out the online application form
Upload required documents
Await eligibility assessment
Receive loan approval decision
Accept loan terms
Funds disbursed to your registered bank account

Offline Application:

Visit any Aditya Birla Capital branch
Submit physical application with documents

Processing Timeline

While exact timelines vary by individual case:

Instant Personal Loan: Can be approved within 30 minutes to a few hours for eligible customers
Standard Personal Loan: Typically 3-7 working days from complete documentation

Required Documentation

Standard Documents Required

Identity Proof:

PAN Card (mandatory)
Aadhaar Card
Passport/Voter ID/Driving License

Address Proof:

Aadhaar Card
Utility bills (not older than 3 months)
Passport/Driving License

Income Proof:

For Salaried:

Last 3 months’ salary slips
Form 16 or IT returns
6 months’ bank statements

For Self-Employed:

Last 2-3 years’ IT returns
Business registration documents
6-12 months’ bank statements
Financial statements

Employment Verification:

Company ID card
Employment certificate or appointment letter

Branch Network

1,712+ branches across India
In-person support available

Regulatory Framework

RBI Digital Lending Guidelines

Aditya Birla Capital, as a regulated NBFC, operates under the Reserve Bank of India’s regulatory framework, including:

Digital Lending Directions (2022 & 2025):

The RBI issued comprehensive digital lending guidelines in September 2022
Updated directions were issued on May 8, 2025
These guidelines mandate:
- Direct disbursement to borrower accounts
- Transparent disclosure of Annual Percentage Rate (APR)
- Key Facts Statement (KFS) before loan execution
- Data protection and privacy requirements
- Grievance redressal mechanisms

Consumer Protection:

All loans must include clear disclosure of APR
Penal charges must be disclosed upfront
Borrowers have the right to prepayment
Data collection requires explicit consent

Data Privacy & Security

As per RBI guidelines:

256-bit SSL encryption for digital transactions
Data stored in India (data localization)
Biometric data cannot be stored in lending apps
Comprehensive privacy policy in public domain

Important Disclaimers

Please Note:

Rate Variability: Interest rates, fees, and charges mentioned are indicative and subject to change without notice. Actual rates depend on individual credit assessment.
Product Changes: Loan products, features, and terms may be modified by Aditya Birla Capital as per business requirements and regulatory compliance.
Not Financial Advice: This guide is for informational purposes only and does not constitute financial advice.
Verify Directly: Always verify current rates, terms, and conditions directly with Aditya Birla Capital before applying.
Borrow Responsibly: Assess your repayment capacity carefully. Defaulting on loans affects credit score and may lead to legal action.

How to Get Started

Before Applying:

Check your credit score
Calculate affordable EMI using online calculators
Compare rates with other lenders
Verify eligibility criteria
Keep all required documents ready

Official Website: finance.adityabirlacapital.com

References & Citations

[1]: Aditya Birla Capital Official Website – Personal Loan Interest Rates. https://www.adityabirlacapital.com/abcd/personal-finance/personal-loan/interest-rates

[2]: Fincrif India – Aditya Birla Capital Personal Loan Details. https://fincrif.com/aditya-birla-capital-personal-loan

[3]: Urban Money – Aditya Birla Finance Limited Personal Loan Interest Rates. https://www.urbanmoney.com/personal-loan/aditya-birla-finance-limited/interest-rate

[4]: Credit Mantri – Aditya Birla Personal Loan Application Guide. https://www.creditmantri.com/aditya-birla-personal-loan/

[5]: Paisabazaar – Aditya Birla Personal Loan. https://www.paisabazaar.com/aditya-birla/personal-loan/

[6]: Wishfin – Aditya Birla Personal Loan Interest Rates (July 2025). https://www.wishfin.com/personal-loan/aditya-birla-personal-loan-interest-rates

[7]: Buddy Loan – Aditya Birla Capital Personal Loan. https://www.buddyloan.com/aditya-birla-capital-personal-loan

[8]: BankBazaar – Aditya Birla Finance Personal Loan. https://www.bankbazaar.com/personal-loan/aditya-birla-finance-personal-loan.html

[9]: Google Play Store – Aditya Birla Capital Finance Mobile App. https://play.google.com/store/apps/details?id=com.adityabirla.finance

[10]: NoBroker – Aditya Birla Personal Loan Interest Rate (2025). https://www.nobroker.in/blog/aditya-birla-personal-loan-interest-rate/

[11]: Reserve Bank of India – Guidelines on Digital Lending (September 2, 2022). https://rbidocs.rbi.org.in/rdocs/notification/PDFs/GUIDELINESDIGITALLENDINGD5C35A71D8124A0E92AEB940A7D25BB3.PDF

[12]: India Corporate Law – RBI’s Revised Digital Lending Guidelines (July 19, 2025). https://indiacorplaw.in/2025/07/19/rbis-revised-digital-lending-guidelines-strengthening-guardrails-in-an-evolving-ecosystem/

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