What Aditya Birla Capital asks for on personal, home, business loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Aditya Birla Capital tends to lend (our read): Declines to publish an income floor at all, but the market-reported bar is high and the score expectation is 750. Positions on flexibility of structure rather than looseness of criteria. Lends in: Metro, Tier 2 locations.
Aditya Birla Capital Personal Loan Eligibility
Inferred
By ClearToLend's estimate (not a rule Aditya Birla Capital publishes). See the source card.
Age
21 to 60 years (age when the loan ends)
Minimum income
₹20,000 net per month; ₹35,000 in metro cities
Minimum credit score
700 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
1 year total, 6 months with the current employer
Loan amount
₹50,000 to ₹25,00,000
Tenure
1 year to 7 years
Interest rate
10.99% to 32% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Foreclosure 4% of principal outstanding + GST, allowed only after 12 months; part-prepayment nil up to 20% of disbursed amount a year, 3% + GST above that, none in the first 6 months; loan cancellation 4% of amount disbursed; cheque return Rs 500 + GST; default penal charge 3% a month on the pending amount; loan reschedule Rs 5,000 + GST.
Documents Aditya Birla Capital lists
KYC: Aadhaar, PAN (identity only), passport, voter ID or driving licence; utility bill or rental agreement for address
Salaried: latest 3 months' salary slips, 6 months' bank statements showing salary credits, employment proof (offer letter or employee ID), photograph
Self-employed: GST certificate / business licence / Shop Act licence, 6 months' bank statements, ITR for 2 years, P&L and balance sheet if applicable
Research notes
Salaried page publishes age 21-60, 1 year total experience with 6 months at the current employer, a preferred 700+ score and loans up to Rs 25 lakh (the main page advertises up to Rs 50 lakh); rates start at 10.99%. The income floor rests only on the eligibility FAQ, which says Rs 20,000-40,000 depending on city and loan type while another FAQ on the same page says there is no minimum, so the Rs 20,000 base is estimated and the Rs 35,000 metro floor is kept as a working estimate. The 32% rate ceiling, FOIR and income multiple are not published and are working estimates; no self-employed numeric thresholds are published.
By ClearToLend's estimate (not a rule Aditya Birla Capital publishes). See the source card.
Age
21 to 60 years (age when the loan ends); self-employed up to 70
Minimum income
₹25,000 net per month; self-employed: ₹3,00,000 a year
Minimum credit score
650 (CIBIL or equivalent)
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹5,00,000 to ₹3,00,00,000
Tenure
5 years to 30 years
Interest rate
7.75% to 10.45% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee 0.25%-1.50% (Regular HL) or 0.25%-2.00% (Pragati / Informal HL); nil part-payment or pre-closure on floating-rate loans to individuals for non-business purposes, 2% on fixed-rate loans pre-closed from other sources, 12-month lock-in; late payment 24% a year; bounce Rs 750.
Documents Aditya Birla Capital lists
KYC: passport, Aadhaar, voter ID, driving licence, NREGA job card, registration certificate or PAN (identity only)
Salaried: latest 3 months' salary slips showing deductions, Form 16, 6 months' salary-credit bank statement
Self-employed: ITR or financials for 2 years with CA-certified computation of income, 6 months' bank statement
Other income proof if applicable (rental receipts); property title documents and approved sanction plan
Research notes
ABHFL's home-loan page publishes age 21 at application to 60 at maturity for salaried and 70 for self-employed, a preferred CIBIL of 650+ (new-to-credit applicants considered), tenure up to 30 years, LTV 90/80/75% and rack rates of 7.75-8.00% (Prime HL) to 10.20-10.45% (Pragati Aashiyana); the housing-finance landing page separately says from 9.05%. No income floor is published, so the block stays inferred: the Rs 25,000 floor, Rs 3 crore cap, 5-year minimum tenure, 750 preferred score, FOIR and 3-year self-employed vintage are working estimates (Pragati HL is capped at Rs 1.5 crore, Prime HL is 'any amount').
Processing fee up to 3% + GST, varies by customer; foreclosure 4% of principal outstanding + GST.
Documents Aditya Birla Capital lists
KYC: PAN, Aadhaar, driving licence, passport or voter ID
Address proof: utility bill
Business proof: GST certificate, Udyam certificate or Shop Act licence
Income proof: 6-12 months' business bank statements; latest ITRs and financials for the past 1-2 years
Research notes
The business-loan and unsecured business-loan pages (checked live 25 Oct 2026) publish age 25-65 at application, at least 2 years in operation, minimum turnover Rs 1 crore (period not stated, treated as annual), CIBIL 685+ preferred with 650 the minimum (the FAQ says 675), loans of Rs 2 lakh to Rs 2 crore and tenure of 12-84 months (an FAQ says 12-36). GST, Udyam or Shop Act registration are accepted alternatives as business proof and only the latest ITR is listed. The page says rates start at 14% (reference rates STRR 19.45% / LTRR 20.45%); the 24% ceiling is a working estimate. Age 65 is applied at maturity, slightly stricter than the published at-application limit.
ClearToLend is not affiliated with or endorsed by Aditya Birla Capital. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Aditya Birla Capital before you apply. A match is not a loan offer or approval.
Aditya Birla Capital Loan FAQs
The minimum net monthly income is ₹20,000, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 700 or above, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes).
Rates run from 10.99% to 32% a year, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹25,000, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 650 or above, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes).
Rates run from 7.75% to 10.45% a year, by ClearToLend's estimate (not a rule Aditya Birla Capital publishes). Your own rate depends on your credit score, income and employer.
A credit score of 650 or above, according to Aditya Birla Capital's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 25 and no older than 65 when the loan ends, according to Aditya Birla Capital's own website.
Rates run from 14% to 24% a year, according to Aditya Birla Capital's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Aditya Birla Capital's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Aditya Birla Capital and does not send your details to it.
