Range of Interest Rate
12.50% onwards
Processing Fee Range
1%
Loan Amount
Rs 15 Lakh – 75 Crore
Range of Loan Tenure
1-30 years
Key Salient Features
- Balance Transfer
- Loan Top-Up
- Lowest Interest Rates
Documentation
- KYC – Aadhar Card and PAN Card
- Financial – Bank statement, Salary slips, Latest Form 16
- Property – Builder buyer Agreement in resale cases All Chain Agreements
Trivia
- There are about 1,505+ Aditya Birla Finance Branches across India
- It takes 7-14 working days for a loan against property approval.
USP’s
Doorstep Service
Dedicated Relationship Manager
Minimum Documentation
Fastest Sanction
Fee and Charges Details
Processing fees
- Salaried – 1%
- Self-employed – 1%
Disclaimer
- Your mortgage interest rates are subject to your credit score. A higher credit score may result in a lower mortgage interest rate.
- All intellectual property, such as trademarks and logos, is the exclusive property of its rightful owner.
| Particulars | Salaried | Self-Employed |
|---|---|---|
| Age | 18 to 60 Years | 18 to 75 Years |
| Prepayment Charges/Foreclosure | Zero | Zero |
FAQs
Typically, when you apply for an Aditya Birla Finance Mortgage loan, the following steps given below need to be followed:
- To begin, fill out a Mortgage loan application form online.
- Upload necessary KYC, Financial, and Property documents
- Undergo loan processing along with legal and technical verification
- The bank will determine your loan eligibility and issue a sanction letter. It will include important details such as the sanctioned loan amount, interest rate, loan tenure, type of interest rate applicable, EMI payable, the validity of the sanction letter, special conditions (if any), and other terms and conditions.
- Once you have submitted all the Aditya Birla Finance Mortgage loan required documents and a request for Mortgage loan disbursement, the bank will begin issuing your loan disbursement cheque.
There are a few important documents that you need to submit while applying for an ABFL Mortgage Loan, they are given in tabular form below:
KYC Documents
KYC Documents
- The previous three months’ salary slips
- Latest 2 years of Form 16
- Latest 3 years ITR with Computation of Income, Balance Sheet, Profit and Loss Account, and respective schedules
- GST Registration Certificate, GSTR-3B Returns of latest 1 Year, and GSTR-3B Returns of latest 1 Year Company Udhyam certificate
Property Documents
Aditya Birla Finance mortgage loan provides attractive lowest minimum interest rates. Besides, it also provides you with flexible repayment options and quick loan approval. With Aditya Birla Finance, you can access funds effortlessly while retaining property ownership.
If you apply for an Aditya Birla Finance Mortgage loan and want to get it approved quickly, you must have a minimum CIBIL score of 700 or above.
Typically, Aditya Birla Finance Mortgage loan takes a maximum of 7-10 working days to get sanctioned.
Generally, the maximum limit of an Aditya Birla Finance loan is Rs 75 crores. The minimum Mortgage loan amount that Aditya Birla Finance provides is about Rs 15 lakhs.
It is not required to have a co-applicant. However, you should have one while applying for an Aditya Birla Finance Mortgage Loan because it enhances your Mortgage loan eligibility, shows the lender your creditworthiness, and increases your chances of improving terms and conditions.
The Aditya Birla Finance mortgage loan interest rate will change depending on your Mortgage loan type. They are as given below:
- Fixed Interest Rate: The interest rate remains constant throughout the loan tenure.
- Floating Interest Rate: The interest rate is linked to a benchmark rate like the MCLR (Marginal Cost of Funds based Lending Rate) or the Repo Rate and can change during the tenure of the loan.
Possessing your returns for three financial years can help you quickly secure an Aditya Birla Finance Mortgage Loan. However, you can get an Aditya Birla Finance Mortgage loan despite not having income tax returns for three years. If you want to obtain a small loan and have a solid CIBIL score demonstrating your creditworthiness.
Typically, after receiving sanction for an Aditya Birla Finance Mortgage Loan, the loan should be disbursed in a maximum of one week.
EMI Calculator
Loan Amount
₹
Rate of Interest
%
Loan Tenure (Years)
Years
Monthly EMI
₹ 21,617
Principal Amount
₹ 25,000,000
Interest Amount
₹ 23,000,000
Total Amount Payble
₹ 47,000,000
Interest Amount
Principal Amount
Apply for Mortgage Loan
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