Aditya Birla Capital
The diversified financial services arm of the Aditya Birla group - LAP and structured-lending specialist.
About Aditya Birla Capital
Aditya Birla Capital is the diversified financial services holding company of the Aditya Birla group. Its lending businesses (Aditya Birla Finance) cover personal loans, business loans, LAP, supply-chain finance, and loan against securities. Aditya Birla Capital is known for LAP structuring expertise and loan-against-securities products. MahadevX is empanelled with Aditya Birla Capital as a DSA partner.
Loan Products & Rates from Aditya Birla Capital
Indicative starting ranges. Your personalised offer is finalised by the lender based on your profile.
Personal Loan
Rate 10.75% – 25.00% p.a.; loan up to Rs 3,00,00,000; tenure up to 120 months.
Business Loan
Rate 10.75% – 25.00% p.a.; loan up to Rs 3,00,00,000; tenure up to 120 months.
Loan Against Property
Rate 10.75% – 25.00% p.a.; loan up to Rs 3,00,00,000; tenure up to 120 months.
Where Aditya Birla Capital fits best
No two lenders are right for every profile. Here is where this one stands out.
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Loan Against Property (LAP) - particularly larger and structured files
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Loan against securities (mutual funds, listed shares)
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Personal loans for premium-profile salaried borrowers
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Supply-chain finance for established MSMEs
Why apply through MahadevX
Multiple bank comparison
One OTP-verified application; we negotiate your file with Aditya Birla Capital and 24+ other lenders and bring you the top offers. One CIBIL inquiry, not twenty-five.
Dedicated advisor
A real human runs your file from documentation pickup to lender coordination to disbursal follow-up. Reachable on call and WhatsApp.
Debt restructuring advisory
Unique to MahadevX: if you have existing high-EMI loans, our advisors can structure consolidation that lowers your monthly outgo before we add a new file.
Eligibility & Documents
Salaried Borrowers
- Age 21 to 60 years
- Minimum monthly income usually Rs 25,000 (Rs 50,000+ for prime products)
- Salaried with at least 2 years of work experience
- CIBIL score 700+ (750+ unlocks the best rates)
- Indian resident; pan-India serviceability
Self-Employed Borrowers
- Age 23 to 65 years
- Business vintage of 2-3 years (specific lenders consider 1 year)
- Audited financials and last 2 years ITR
- Latest 12 months GST returns and bank statements
- CIBIL score 700+ on personal and business credit
Documents Required
- PAN card
- Aadhaar card (for KYC and address)
- Latest 6 months bank statement
- Last 2 years ITR + audited financials (self-employed)
- Last 3 months salary slips (salaried)
- Property documents (for home loan / LAP)
- GST registration and last 4 quarters returns (business loan)
Is Aditya Birla Capital right for you?
Three taps for an honest read - indicative, in your browser only.
Aditya Birla Capital FAQs
Is Aditya Birla Capital good for LAP?
Yes - particularly strong on structured LAP for larger tickets and complex property profiles.
What is loan against securities?
A facility that lets you borrow against the value of your mutual funds or listed equity holdings without selling them. Aditya Birla Capital is one of the leading lenders for this product.
Is Aditya Birla Capital a bank?
No - it is the financial services arm of the Aditya Birla group, with NBFC lending businesses (Aditya Birla Finance).
How are NBFC rates compared to bank rates?
NBFC rates are typically 1-3 percentage points higher than equivalent bank rates, but NBFCs offer more underwriting flexibility, larger ticket sizes for LAP, and structured products.
What is Aditya Birla's processing fee?
Typically 1-3% depending on product and profile; the exact fee appears on the sanction letter.
How does MahadevX help?
We are empanelled as a DSA. We coordinate your file end-to-end and compare your Aditya Birla offer against 24+ other lenders.
Other lending partners
MahadevX Fintech is a loan distribution associate (DSA) of its partner banks and NBFCs, not a lender. Loan sanction, interest rates and final terms are at the sole discretion of the respective RBI-regulated lender and are subject to their credit policy. Figures shown on this page are indicative. Information here references publicly available RBI and lender guidelines and is for general awareness, not financial advice.
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