Check Aditya Birla Finance Limited Personal Loan Eligibility Criteria 2021

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Aditya Birla Finance Limited Personal Loan
Eligibility Criteria 2021
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Aditya Birla personal loan eligibility criteria

• Aditya Birla offers a personal loan to all
  salaried individuals to help them tackle the cash
  crunch they may face in daily life, such as
  medical expenses, home renovation, wedding,
  big-ticket purchase, holiday, and a lot more.
  Salaried individuals with a good credit score can
  get a personal loan up to Rs. 15 lakh at a
  nominal interest rate with quick approval.

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Aditya Birla personal loan eligibility criteria
for salaried professionals
Age The minimum age of an applicant should be 23 years at the time of application  The maximum age of an individual should be 55 years
Credit score Applicant needs to have a good credit score to get a personal loan from Aditya Birla Finance
Total work experience Salaried professional with a regular income and at least two years work experience in a well-reputed company 
Loan amount  Up to 15 lakhs
Loan tenure From 6 months to 36 months
Residential status Indian 
Interest rate 14 p.a. to 26 p.a.
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What are the top factors that affect your Aditya
Birla personal loan eligibility?

• Age Lenders check your age to determine your
  eligibility for a personal loan. Your age should
  be between 23 years and 55 years to get a
  personal loan from Aditya Birla Finance. Because
  young borrowers have much time to earn money and
  repay a personal loan, they can more easily
  qualify for Aditya Birla personal loan than
  individuals who are in their 50s or approaching
  retirement. 
• Monthly salary A personal loan applicant should
  have a regular income and a stable job in a
  reputed company to get a personal loan from
  Aditya Birla Finance. Your monthly income impacts
  how much personal loan you can get at what
  interest rate. Moreover, your monthly instalment
  is also based on the salary you draw every
  month. 
• Credit score Since a personal loan is an
  unsecured loan, lenders check your credit score
  to assess your payment behaviour. Your credit
  score shows how responsible you are in handling
  your debts. You need to have a good credit score
  to get a personal loan from Aditya Birla
  Finance.  Generally, a credit score of 750 or
  above is considered perfect for a personal loan. 
• Job and work stability Lenders also look into
  job stability and the organisation you work with
  before processing a personal loan application. It
  gives a clear picture of a regular stream of
  income. Generally, salaried individuals should
  have at least 2 years of work experience and
  should have worked for at least 1 year in their
  job. While a self-employed person needs to have a
  minimum of 2 years of experience in their current
  business and the business should be
  profit-making.

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Documents required for Aditya Birla personal loan

• Applicants need to submit the following documents
  to get a personal loan from Aditya Birla
  Finance. 
• For salaried employees
• Proof of identity Passport / Driving license /
  Voters ID / PAN card /Aadhaar card 
• Address proof Leave License Agreement/ Ration
  card /Utility bill (not more than 3 months old) /
  Passport - provided the passport has the present
  address mentioned in the loan application form
• Credit information PAN card to check your credit
  history
• Income proof Salary slips for the last 3 months
  along with salary certificate and latest Form 16
• Salary slips for the past 3 months
• Bank statement Bank statement showing salary
  being credited for the last 3 months 
• You can also provide additional documents that
  demonstrate your extra income from other sources
  to enhance your eligibility

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