Aditya Birla Finance Personal Loan

 

Aditya Birla Finance Limited, an NBFC registered with the RBI, and a subsidiary of Aditya Birla Capital Limited. The Aditya Birla Personal Loan offers quick financing for urgent or unforeseen needs as well as planned expenses. 

 

It has numerous benefits and perks, such as competitive rates and a simple digital application. Read on to know more about the Aditya Birla Finance Personal Loan. 

Aditya Birla Finance Personal Loan Details 

A strong repayment plan before finalising your personal loan can save you from missing out on your EMIs or defaulting. Calculating the monthly instalments due on your Aditya Birla online personal loan is thus vital before you proceed. Planning your finances can help you avail marriage loans with ease.

 

One way to do this with ease is to use a personal loan EMI calculator. With the Aditya Birla Personal Loan calculator, you can estimate your EMI in seconds. All you need is the following information:

 

• Loan amount 

• Interest rate

• Tenure

Use this Aditya Birla Personal Loan EMI calculator and optimise your loan’s terms to protect your future financial well-being. 

How is the Aditya Birla Personal Loan EMI Calculated?

For manual calculations of the AB Capital Personal Loan, use the following formula:

EMI = P x R x (1+R)^N / [(1+R^N-1]

Here,

 

P = the principal loan amount

N = the repayment tenure

R = the annual rate of interest

 

While manual calculations are doable, they come with the risk of errors and take a fair amount of time to complete. This is especially true if you are trying out multiple combinations. A quicker, simpler, and more convenient option is using the digital personal loan EMI calculator. 

 

Whatever you choose, consider the calculations to plan not only monthly payments, but also part-prepayment or foreclosure of your ABFL Direct Personal Loan. This will enable you to save more and become debt-free faster.  

Aditya Birla Finance Personal Loan: Features & Benefits

Here are the facilities you can enjoy when you get an Aditya Birla Personal Loan:

 

• Flexible tenures to choose from, going up to 36 months 

• Loan amounts ranging between ₹25,000 to ₹15 Lakhs to meet a range of needs

• Collateral-free financing gives you funds without risking your assets

• Stress-free process for online, paperless application 

• Speedy access to funds with quick disbursal processes 

• Fast online approval in just 30 minutes 

• Competitive interest rates that make borrowing affordable 

Aditya Birla Finance Personal Loan Eligibility

Verifying your Aditya Birla Personal Loan eligibility can significantly increase your chances of approval and getting the terms of your choice. Here are the Aditya Birla Personal Loan eligibility criteria you need to meet:

 

• Minimum Age: 23 years

• Maximum Age: 55 years

• Employment: Salaried with a stable income

• Citizen: Must be a resident citizen

You can also use the Aditya Birla Personal Loan eligibility calculator to understand the loan amount you can qualify for. This simple tool gives you instant results, facilitating quick and informed decisions. The calculator uses your income, expenses, residential area, and age to give you an estimate of the amount you are eligible for. 

 

Keep in mind that although there is no specific credit score requirement, you should aim to apply for this loan with a good score. This can boost your personal loan eligibility, enabling you to get affordable financing. Also, a good CIBIL score can help you get a travel loan at an affordable rate.

Documents Required for Aditya Birla Finance Personal Loan

Documentation is an important step while taking a personal loan because it helps the lender verify your identity and other information. Given below are some of the Aditya Birla Personal Loan documents you need to submit:

 

• Bank account statements for the previous three months

• Salary slips for the previous three months

• KYC documents such as PAN card and Aadhaar card 

Remember, the lender may require additional documents based on your application. 

How to Apply for the Aditya Birla Finance Personal Loan?

You can carry out the Aditya Birla Personal Loan process digitally from end to end. You can apply for an Aditya Birla personal loan online by following the steps outlined below:

 

• Step 1: Visit the official website, navigate to the ‘Loan Products’ section and select ‘Personal Loan’
• Step 2: Select your employment type and click ‘Apply’
• Step 3: Fill your mobile number, enter the OTP and add other details 
• Step 4: Choose the loan amount and submit your application 

A representative will then contact you and guide you further. Once you finalise the loan terms, the lender will disburse the amount in your bank account.

How Can I Get in touch With the Aditya Birla Finance Customer Care Team?

Aditya Birla Finance gives you access to their customer care team to resolve your queries. 

Connect with the customer team of Aditya Birla through the following ways:

 

• Call: 1800 270 7000 (toll-free within India)

• Email: care.finance@adityabirlacapital.com

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