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Aditya Birla Capital – Finance Review
Aditya Birla Capital Ltd
Aditya Birla Group NBFC offering personal loans up to ₹50L at 12–28% APR.
Red flags
- •PF up to 3% + GST
- •APR ceiling 28% for low-CIBIL approvals
Green flags
- •Upper Layer NBFC under RBI SBR
- •AAA-rated long-term debt
- •Same-day disbursal for pre-approved offers
- •Listed-group transparency
Permissions demanded
Data practices
Aadhaar OTP/biometric via UIDAI; data retention per RBI guidelines.
Recovery practices
In-house collections, RBI FPC compliant; grievance via grievance.finance@adityabirlacapital.com
Sources & references
Grievance & support
- Grievance redressalhttps://www.adityabirlacapital.com/loans/grievanceandredressal
- Support / helpdeskgrievance.finance@adityabirlacapital.com
Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.
Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.
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Frequently asked questions about Aditya Birla Capital – Finance
Is Aditya Birla Capital – Finance RBI-registered?
Aditya Birla Capital – Finance is operated by Aditya Birla Capital Ltd. Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.
What is the real APR on Aditya Birla Capital – Finance?
Aditya Birla Capital – Finance charges an APR between 28% and 28% per annum with a processing fee of up to 3%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.
Is Aditya Birla Capital – Finance safe to use?
Aditya Birla Group NBFC offering personal loans up to ₹50L at 12–28% APR. Permissions demanded: Camera (KYC), SMS (OTP), Location (optional). Recovery practices: In-house collections, RBI FPC compliant; grievance via grievance.finance@adityabirlacapital.com.
What loan amount and tenure does Aditya Birla Capital – Finance offer?
Ticket size ranges from ₹50,000 to ₹50,00,000, with tenure between 12 and 73 months.
How do I close my Aditya Birla Capital – Finance loan early?
Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If Aditya Birla Capital – Finance refuses or harasses you, file a complaint on the RBI Sachet portal.