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Unsecured Business Loans
Aditya Birla Capital Limited, headquartered in Mumbai, is a trusted financial services arm of the Aditya Birla Group, offering transparent, tech-driven lending solutions to MSMEs, professionals, and growing Indian businesses.
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📊 Types of Aditya Birla Capital Unsecured Business Loan & Features
An Unsecured Business Loan is a collateral-free loan offered based on your business income, cash flow, and credit profile. You don’t need to mortgage property or assets—making it ideal for fast business funding.
Explore types, interest rates, tenure, processing fees and loan amount for Aditya Birla Capital Unsecured Business Loan.
📋 Loan Types & Key Details
| Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fee |
|---|---|---|---|---|
| Business Loan for MSMEs | From ~11.99% p.a. | ₹1 Lakh – ₹75 Lakhs | Up to 48 months | Up to 3% + GST |
| Working Capital Loan | Risk-based | Up to ₹50 Lakhs | Up to 36 months | As applicable |
| Professional Loan | Profile-based | Up to ₹75 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Small Business Loan | Customised | ₹1 Lakh – ₹40 Lakhs | Up to 36 months | As per offer |
*Interest rates depend on CIBIL score, income stability, and business profile.
💡 PoketCare Pro Tip
NBFC lenders like Aditya Birla Capital often approve loans faster than banks for cash-rich but asset-light businesses.
🎯 Purpose of Unsecured Business Loan & Ideal Borrowers
Know the permitted loan usage and ideal borrower profile for Aditya Birla Capital Business Loan.
✅ Permitted Uses
- Working capital & vendor payments 💸
- Business expansion & renovation 🏢
- Equipment & machinery purchase ⚙️
- Marketing & online growth 📲
- Emergency business expenses 🚨
👥 Ideal Borrowers
- Applicant: Business owner / professional aged 23–65
- Co-Applicant: Spouse or partner (income clubbing allowed)
💡 PoketCare Pro Tip
Adding a co-applicant improves loan approval odds and may reduce interest rate.
🛡️ Insurance Recommendation – Protect Your EMI
Recommended insurance plans to safeguard your business loan EMIs.
🔐 Suggested Insurance Plans
- Aditya Birla Sun Life Credit Protect
- Aditya Birla Health Loan Protection Cover
Why Insurance Matters:
- EMI protection during illness or accident
- Business continuity
- Financial security for family
💡 PoketCare Pro Tip
Loan insurance costs less than one EMI but can save years of stress.
✅ Eligibility Criteria – Simple & Practical
Check eligibility, minimum income, CIBIL score and income-clubbing options for Aditya Birla Capital Business Loan.
📌 Basic Eligibility
- Indian resident
- Business vintage: Minimum 2 years
- CIBIL Score: 650+ preferred
- Active business bank account
💰 Minimum Income Requirement
- Self-Employed: ₹1.25–2 Lakhs monthly bank credit
- Professionals: ₹1.8 Lakhs+ monthly gross receipts
➕ Other Income Considered
- Rental income
- Partner/share income
- Secondary business income
- Spouse income (case-specific)
💡 PoketCare Pro Tip
Many borrowers understate income. PoketCare legally structures income to maximise eligibility.
📑 Documents Checklist – Clear & Quick
Complete document checklist for salaried and self-employed applicants.
🧾 Salaried (Some times Applicable)
- PAN & Aadhaar
- Last 6 months bank statement
- Latest salary slips
- Address proof
🧾 Self-Employed / Business Owners
- PAN & Aadhaar
- Business proof (GST / Shop Act / License)
- Last 6–12 months bank statements
- ITR (2–3 years)
- Financials (if available)
💡 PoketCare Pro Tip
GST is helpful—but non-GST businesses can still qualify with strong bank inflows.
💸 All Charges – Pre & Post Disbursement
View all charges involved before and after Aditya Birla Capital Unsecured Business Loan disbursement.
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 3% + GST |
| Documentation Charges | Nil / Included |
| Foreclosure Charges | 3–5% (as per tenure) |
| Part-Payment Charges | As per sanction terms |
| EMI Bounce Charges | ₹500–₹750 |
| Late Payment Penalty | As per lender policy |
| GST | Applicable as per law |
💡 PoketCare Pro Tip
We clarify foreclosure rules before you sign, not after disbursal.
🌟 Benefits of Aditya Birla Capital Unsecured Business Loan via PoketCare
Exclusive benefits of applying Aditya Birla Capital Business Loan through PoketCare.
- ⚡ Faster approvals with AI-based profile matching
- 📉 Competitive interest rates
- 📞 Free expert support till disbursal
- 📄 Paperless application
- 🔍 Transparent lender comparison
- 🎯 Higher approval probability
💡 PoketCare Pro Tip
Never apply to multiple lenders yourself—PoketCare applies strategically, protecting your CIBIL score.
🔗 Useful Full Links for Business Loan Borrowers
- Aditya Birla Capital Official Website:
- https://www.adityabirlacapital.com
- PoketCare Business Loan Page:
- https://www.poketcare.com/business-loan
- EMI Calculator:
- https://www.poketcare.com/emi-calculator
- Free CIBIL Score Check:
- https://www.poketcare.com/cibil-score
🏁 Conclusion – Fund Smart, Grow Confidently
Aditya Birla Capital Unsecured Business Loan is ideal for businesses seeking quick, collateral-free funding with flexible repayment. With PoketCare, you gain clarity, better offers, and expert-backed decisions—without harming your credit score.
👉 Apply once. Compare smart. Grow faster with PoketCare. 🚀