Aditya Birla Business Loan


Aditya Birla Finance business loan is a valuable financial tool for businesses seeking to expand or address immediate financial needs. It offers a range of flexible financial options at competitive interest rates starting from 14% p.a. and customisable repayment tenure.

Finance your business journey and pave the way to success. Avail an Aditya Birla loan today and get it disbursed immediately.

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Aditya Birla Business Loan Details

Building a successful business has become easier than ever with Aditya Birla capital business loan. Enjoy quick disbursal of your Birla business loan with the best loan terms. Below are loan details offered by Aditya Birla:

Loan Amount Up to ₹25 Crores
Loan Tenure 12 months to 48 months
Interest Rates 14% to 21% per annum
Processing Fee 2%
*Note: The interest rates are dynamic and subject to change based on your credit history and credit worthiness.

Aditya Birla Business Loan Interest Rates

Aditya Birla finance business loan offers attractive interest rates. The interest rate you get is determined by various factors such as your credit score, credit history, and repayment capacity. Below is the Aditya Birla Finance business loan interest rate:

Interest Rate 14% to 21% p.a.
*Note: The interest rates are dynamic and subject to change based on your credit history and credit worthiness.

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Aditya Birla Business Loan Fees & Charges

Business loans often come with various fees and charges set by the lender. Similarly, there are several fees and charges that come with an Aditya Birla business loan, they are:

Processing Fees 2%
Cheque Return Charges ₹1000
Additional/Penal Charge 3% of pending amount per month
Loan Cancellation Charge 4% of loan amount + taxes

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Aditya Birla Finance Business Loan Eligibility Criteria

The eligibility criteria is a crucial factor that must be met. These criteria determine your eligibility to get your business loan approved. Therefore, before applying for a loan, you need to check the eligibility criteria for a smooth application process. Below are the Aditya Birla business loan eligibility criteria:

The business must fall under one of these categories; sole proprietorship, partnership firm, private limited company, closely held publicly listed company, society or trusts.

The business must be earning for at least 3 consecutive years.

The applicant must have complete and authentic financial documents including balance sheets, profit and loss statements for the last two years along with tax audit reports.

Documents Required for Aditya Birla Business Loan

To get Aditya Birla business loan, certain documents are required to be submitted. These documents are required for identification and repayment capability proof. Documents required to apply for Aditya Birla loan are:

PAN card

Aadhaar card

Current bank statements of 1 year or more.

1 year old original and valid business proof.

Fully filled online application form with KYC documents.

Calculate EMI For Aditya Birla Business Loan

When availing an Aditya Birla finance business loan, the repayment will be divided into equal monthly instalments. To make it easier for you, and plan your business’s monthly financial goals, determine your repayment capability here.

Calculate the EMI before taking a loan by using an online business loan EMI calculator. All you have to do is

- Visit the website,

- Enter the necessary information like loan amount, interest rate, and tenure.

You can use the calculator below to get your estimated EMI amount in seconds.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Another method of calculating the EMI is by manually doing so using the formula:

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

where P is the principal amount, R is the interest rate and N is the tenure.

Compare Aditya Birla Business Loans Over Other NBFCs

Most NBFCs offer business loans at competitive interest rates. So, to find one that best suits your financial requirements you must compare and scrutinise the interest rates offered by different lenders. Below is a table of different NBFCs along with their interest rates:

Top Business Loan NBFCs Interest Rate (p.a.)
Aditya Birla Finance Limited 14.00% p.a. onwards
Bajaj Finserv 9.75% p.a. onwards
Lendingkart 12.00% p.a. onwards
Flexiloans 12.00% p.a. onwards
Tata Capital 12.00% p.a. onwards
KreditBee 15.00% p.a. onwards
Paysense 18.00% p.a. onwards
Mcapital 24.00%p.a. onwards

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*Note: The interest rates are dynamic and subject to change based on your credit history and credit worthiness.

Features & Benefits of Aditya Birla Business Loan

The Aditya Birla capital business loan offers many features and benefits that makes it a unique and reliable lender. These features and benefits are:

Flexible Loan Amount

Get a Business loan amount upto ₹1 Crore

Lightning Fast Loan Processing

Get your loan disbursed in a few days.

Transparent Loan Terms

No hidden cost of charges applied for your loan.

Attractive Interest Rate

Interest rates starting from 14.00%p.a.

Customisable Laon Tenure

Flexible tenure from 12 to 48 months.

Zero Colleteral

No collateral required for business loans from ABFL.

Types of Aditya Birla Business Loans

Aditya Birla offers various types of business loans to cater to the needs of different types of business owners. Here are the different types of Aditya Birla Finance Limited loan:

Aditya Birla Line of Credit

If you need quick access to finance, you can opt for the Aditya Birla line of credit. With this, you can get a maximum loan balance amount that you can draw up to a certain limit.

Aditya Birla Unsecured Business Loans

Aditya Birla also offers unsecured business loans for businesses looking for financial aid to expand their business or buy equipment. For this type of loan, there is no need of presenting a collateral.

Loan Amount Up to ₹1 crore
Interest Rates 14.00% p.a. onwards
Loan Tenure Up to 48 months
*Note: The interest rates are dynamic and subject to change based on your credit history and credit worthiness.

Aditya Birla Secured Business Loan

A secured aditya birla finance business loan is a loan that requires collateral. It is perfect if you need a larger loan amount.

Loan Amount Up to ₹25 crores
Interest Rates 14.00% p.a. onwards
Loan Tenure Up to 48 months
*Note: The interest rates are dynamic and subject to change based on your credit history and credit worthiness.

Aditya Birla Working Capital Demand Loan

You can also opt for a working capital demand loan from Aditya Birla to meet your various financial needs. This financing solution is offered to businesses with short-term requirements that have higher operational costs than their monthly revenue.

Aditya Birla Supply Chain Financing Solutions

This is a financial solution that you can opt to discount the sales bills of your vendors or your purchase bills. This enables you to turn your receivables into cash, thereby ensuring a continuous cash flow for your business.

How Do You Apply for Aditya Birla Business Loans with Buddy Loan?

Applying for an Aditya Birla business loan with Buddy Loan is quick and easy. Just follow these few simple steps:

Step 1 - Visit buddyloan.com or Download & install Buddy Loan app.

Step 2 - Fill out the application form, including the loan amount, the tenure in months, and contact details.

Step 3 - Fill out the following personal details where required:

  • Email Address
  • Net Income
  • PAN Card Details
  • Full Name (As Per Pan Card)
  • Current Address with PIN Code
  • Mobile Number

Step 4 - Submit the details & wait for the loan confirmation.

Ready to take next step ?

Frequently Asked Questions

Yes, Aditya Birla does provide business loans.

The interest rate for Aditya Birla business loans starts from 14% to 21% p.a.

The minimum CIBIL score that is required for an Aditya Birla business loan is 700.

Yes, you can get 1 crore unsecured business loan with Aditya Birla Capital.

The maximum loan amount of an Aditya Birla business loan is 1 crore to 25 crores, depending on the type of loan you take.

Sole proprietorship, partnership firm, private limited company, closely held publicly listed company, societies and trusts that have been earning for 3 consecutive years and having complete financial documents are eligible for an Aditya Birla business loan.

No, salary slip is required to get approved for a business loan as it determines your repayment capabilities.

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