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Aditya Birla Finance Limited (ABFL)
Financing the Ambitions of a New India
At Aditya Birla Finance Limited (ABFL), we believe in being the wind beneath the wings of India’s growth story. As one of the top private diversified NBFCs in the country, we offer a vast ecosystem of lending, wealth management, and insurance solutions. From supporting a student’s global education to fueling the expansion of a multi-national corporate, we combine the strength of a global conglomerate with the agility of a fintech.
A Comprehensive Suite for Every Lifecycle
Our product portfolio is built to serve the diverse needs of retail, HNI, and corporate customers:
Personal Finance: Collateral-free Personal Loans up to ₹50 Lakh with tenures up to 7 years—ideal for life’s big moments.
SME & Business Finance: Unsecured business loans, working capital demand loans, and supply chain financing to keep your enterprise moving.
Mortgage Solutions: High-value Loan Against Property (LAP) up to 75% of market value and Lease Rental Discounting for property owners.
Corporate Finance: Specialized solutions including Project Finance, Structured Finance, and Debt Syndication for large-scale industrial growth.
Loan Against Securities: Instant liquidity against your shares, mutual funds, or life insurance policies without selling your long-term assets.
The ABFL Advantage: Why Millions Trust Us
We deliver value through a blend of heritage and digital-first innovation:
| Feature | The ABFL Experience |
| Highest Credit Rating | Consistently rated AAA (Stable) by ICRA and India Ratings, ensuring safety and reliability. |
| ABCD App Integration | Manage your entire financial life—loans, insurance, and payments—through our ABCD Super-App. |
| Instant Sanctions | Instant personal loans up to ₹5 Lakh with 100% paperless processing. |
| Flexible Repayment | Choose from Flexi Loans (interest only on utilized amount) or standard Term Loans. |
Your 100% Digital Journey: From "Apply" to "Disburse"
Experience a frictionless application process designed for the modern user:
Select Your Goal: Whether it’s personal, business, or mortgage, choose the product that fits your need.
Instant Eligibility: Provide your PAN and Aadhaar details to see your pre-approved limit in seconds.
Digital Verification: Complete your Video KYC and upload digital copies of your bank statements.
Swift Payout: Sign the e-mandate and receive funds in your bank account, often within 24 hours.
Specialized Personal Finance Options
We understand that one size doesn’t fit all:
Flexi Personal Loan: An overdraft-style facility where you pay interest only on what you withdraw.
Profession-Specific Loans: Tailored loan offers for Doctors, Chartered Accountants, and Engineers.
Utility Loans: Specialized financing for high-end electronics like iPhones, laptops, and home appliances.
"Integrity is the core of our business. At Aditya Birla Finance, we don't just lend money; we invest in your potential."
Ready to Achieve Your Financial Goals?
Join over 4 Crore active customers who choose Aditya Birla Capital for their financial needs.