NBFC
Aditya Birla Capital
A diversified financial services group with active retail and SME lending.
Best for: Self-employed borrowers and SMEs.
Apply with pre-screening
We check your profile against ABC's policy and others on the panel before any application.
Typical strengths
- Personal and business loans with digital processing
- Loan against property
- Housing finance arm
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by Aditya Birla Capital under its credit policy.
Products
What we arrange with ABC
- Personal Loan
- Business Loan
- Loan Against Property
- Home Loan
- Working Capital - OD / CC
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Our read
Where ABC fits
Aditya Birla Capital is a dependable comparison point for self-employed borrowers and SMEs, particularly where a file needs a more considered look than a bank's programme lending allows. Personal and business loans are processed digitally, and loan against property is available where an asset is on the table.
We place files here when the borrower sits between two stools: too irregular for a bank's standard programme, but strong enough that a high-cost lender would be overpaying. It is frequently the sensible middle option rather than the obvious winner.
Worth knowing
- Rarely the cheapest and rarely the fastest; its value is in taking a considered view of a middling file.
- The housing finance arm is separate from the NBFC, so a home loan and a business loan here are two relationships, not one.
Our assessment, not a statement of Aditya Birla Capital’s policy. Terms are set by the lender and can change.
Questions
ABC: common questions
Who is this lender actually right for?
A self-employed borrower or SME whose file is too irregular for a bank programme but too strong to justify high-cost lending. It is often the sensible middle option.
Is the home loan part of the same company?
The housing finance business is a separate arm from the NBFC, so a home loan and a business loan are two relationships. We tell you which entity your file goes to.
How quickly can it decide?
Faster than a bank, slower than the quickest digital NBFCs. If speed is the priority we will point you at a lender built for it.
Compare
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The best lender for you depends on your profile. We compare before you apply.
Is ABC the right lender for you?
Share your requirement and we will compare it against the whole panel, at no cost and with no bureau enquiry.