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Aditya Birla Finance Limited (ABFL) is among the leading well-diversified financial services company in India offering end-to-end lending and wealth management solutions to a diversified range of customers across the country. ABFL was incorporated in 1991, and is registered with the RBI as a systemically important non-deposit accepting NBFC and ranks among the top five largest private diversified NBFCs in India. Aditya Birla Capital, the holding company of ABFL is one of the largest financial services players in India.
About Aditya Birla Finance
The company enables the customers to embark on the pursuit of ambitious growth plans and execute value creating transactions through its strategic financing and lending solutions. Aditya Birla Finance is a part of the Aditya Birla Financial Services Group (ABFSG) which offers several products and services including general insurance broking services, private equity, NBFC, asset management, life insurance, wealth management and distribution and more. The Aditya Birla Financial Services Group has built up a considerable presence across all the above verticals in addition to general insurance advisory services. The Group has several companies under its belt including Birla Sun Life Asset Management Company Limited, Birla Sun Life Insurance Company Limited, Aditya Birla Finance Limited, Aditya Birla Insurance Brokers Limited and Aditya Birla Money Mart Limited. ABFSG has seven business lines with management of customer assets worth approximately $19 billion. ABFSG has a presence in more than 500 Indian cities through 1, 600 points of presence and 200, 000 channel partners. ABFS is a part of Aditya Birla Nuvo Limited, a $4.75 billion conglomerate with a leadership position across service sector and manufacturing businesses. ABNL is a part of the Aditya Birla Group, a $40 billion MNC operating across 36 countries in six continents.
Vision and Mission
The company aims at being a leader when it comes to integrated and broad based financial services. Core values include delivering world class services to customers in addition to integrity, passion, commitment, seamlessness and speed. The portfolio of Aditya Birla Finance services also includes personal and business loans.
Aditya Birla Finance Loans
There are several kinds of loans offered by the company to customers. Here’s taking a look at the same:
Aditya Birla Finance Loan against Property- Customers can fulfill their goals with the loan against residential or commercial property. There is lease rental discounting where loans can be availed against annual rental income in case you own any commercial property which is leased out to a corporate with a fixed rent receivable. There is the commercial property purchase loan where you can get loans for the same here. You can also take a look at construction finance solutions. This type of loans is mainly granted to developers.
Salaried, self employed and professionals can apply for loans against property along with private limited companies, proprietorship concerns, partnerships and closely held or unlisted companies. Loan amounts can be a maximum of INR 100 crore and the repayment tenure is a maximum of 15 years. Collateral residential or commercial property values are closely assessed and loans are given up to 70% and 65% for residential and commercial property values respectively. This loan is available in Mumbai, Ahmedabad, Delhi, Bangalore, Chennai, Surat, Hyderabad, Jaipur, Rajkot, Pune, Chandigarh, Kolkata, Ludhiana, Indore, Raipur and Nagpur.
Aditya Birla Finance business loans
There are business loan solutions offered by the company for several kinds of organization ranging from startups to small companies, multinationals and more. Business loans are provided without any security. This helps businesses in an environment which is increasingly competitive and they can fulfill several needs right from consolidation of debt to working capital needs and so on. Loan amounts are offered up to INR 1 crore while the rates of interest are fixed. There is no collateral or security required along with repayment through easy EMIs. The maximum loan tenure is flexible between 12-48 months.