ADITYA BIRLA CApITAL
*pERSONAL LOAN & DOD pOLICY*
PAN India scouring through One SM (PREM SHARMA)
Loan Amount from Rs: - 01 Lakh to 40 Lakh.
CAT - A/ B/C/ D, Govt Employees with Sal above 45k in BT & 75k in Fresh/- tenure
up to 7 years.
Employer CAT A - Rs 40 Lakhs
Employer CAT B - Rs 40 Lakhs
Employer CAT C - Rs 30 Lakhs
Employer CAT D - Rs 10 L to 15 L*
Tier Distance Salary Required
Tier -1 80Km Salary require – 40k
Tier -2 70Km Salary require – 35k
Tier -3 60Km Salary require – 25k
Tier -4 50Km Salary require – 20k
As per pin code list*
CIBIL ENQUIRY: -
Number of unsecured PL/BL/Loan on Card/OD/Other Loan enquires on bureau should be
=<5 in last 30 days.
Enquires of same day, same amount, same product will be treated as 1 enquiry, (ABFL &
ABC Enquiries not counted).
BT PROGRAM: -
Only 1 Live Unsecured loan (PL/BL/OD/ Loan on Card/Other) of amount financed >=50K
allowed in last six month.
Post consolidation, customer can only have <=3 Live Unsecured Loans (PL/BL/OD/ Loan
on Card/Other) of amount financed >=50K
i.e. <=3 norm here is inclusive of our proposed loan, i.e. leftover Unsec loans post BT loan
selection <=2
NON-BT PROGRAM & POLICY NOTE
>2 Live Unsecured loans (PL/BL/OD/ Loan on Card/Other) of amount financed >=50K not
allowed in last six month (ABFL will be the 3rd lender).
Cibil (TU)Score above >700*.
Salary slip not required for company category A/ B/ C/ D where email domain + OTP or
EPFO is verified, Monthly salary to be taken from banking salary credits, In govt needed.
We can waive the Office and Residence FI as per new policy*
Fixed Bonus (Monthly/Quarterly) - 100%
Performance linked Bonus / Incentive (Quarterly) - Lower of 4Q Average bonus and 100%
of Net monthly salary LTA - Subject to only monthly Credits Variable (Monthly) - Average
of last 3 months, subject to cap of 100% of net salary
Rental Income considered 50%.
Digital Login Process (No Need for Physical Documentation)
Proprietorship/ Partnership and LLP Firm Employees are eligible tenure up to 48 Month
only.
For Cat NC & Proprietorship / Partnership / LLP FOIR will be capped at 50% Only.
Cibil -1 and Work from Home Customers can be processed (WFH Letter or HR OR HRMS
confirmation mandatory)
CC BT POS: - Maximum Credit Card BT POS <=6x of NTH & Personal Loan BT allowed as
per Policy.
Dropline Over Draft Program also available.
When E-mandate done No need to collect Cheque from Customer
Funding to Grade 4 Employees (Except Sweeper/ Home-Guard/ Police/Advocate) and
Army Customers.
We are doing contractual employee (Salary & CAT-A-B employee) *
We are doing Salaried Doctors/Consultants*employee.
Age - 21 years for Salary < 35k and 23 Years for Salary >=35k
Locations & Geo Limit - Lucknow (70km)
FOIR GRID
INCOME BAND NO - HL EVER HL
<=25K 50% 50%
25-50K 60% 60%
50-75K 65% 70%
75K-1L 65% 70%
>1L 70% 75%
Loan Tenor Tenor for eligibility calculation
<=60 months As per actual
<=70 months 60 months
<=84 months 72 months
BANKING SURROGATE FOR SALARIED CUSTOMER
As per Salary Max Loan Amount - 5 Lkh.
Cibil TU Score: - >700
Loan Amount based on Average Bank Balance of last 6 months.
FOIR up to 100%.
We are also doing Paperless BT program /Repayment surrogate/ HL surrogate / BT
surrogate* as per policy.
HARD REJECTION
<569 Score card Hard Reject.
>5 Unsecured Enquiry in last 30 days in Hard Reject. (Same amount +same product +same date
enquiry will be considered as 1)
>1 Unsecured Loan amount >50k in last 6 months is Hard Reject.
>5 Unsecured Loan amount of >50k in Cibil is Hard Reject.
ABCL should be 3rd Lender of unsecured loan while funding.
*all cases will be process under the ABFL policy
Lentra: -
Now "Account Aggregator" Features available in New Lentra, Kindly use at the time of
login for smooth process.
Please find the New Login Lentra Revamp (New Journey) Lentra revamp link
(for product PL) …
https://2699794492002.serviceurl.in/web/rvmp1/#/login
Please ensure login to be done through DSA/Channel end only. Let’s start for Maximum
Login 🎈💥✨🎈💥
For more details: -
Have you explored the Aditya Birla Finance App yet? If not, download now to
simplify your loan journey with us.
Enjoy instant access to:
-Loan account details
-Statements
-Sanction letter
-Welcome letter
-Repayment schedule
-Interest certificate
-No objection/no due certificate
-Payment history
Prepare to transform your loan journey.
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For OD portal :-
• For Android device: https://play.google.com/store/apps/details?id=com.adityabirla.finance
• For Apple IOS device: https://apps.apple.com/us/app/aditya-birla-finance/id6443392029
Customer care E-mail id - care.finance@adityabirlacapital.com
Customer care no - 1800-270-7000
What’s App - +91 8828800031
Aditya Birla Capital Ltd
Prem Prakash Sharma
SM (Personal Loan)
Lucknow (U.P- INDIA)
- +91-8896725538
Mail id -prem.sharma@adityabirlacapital.com
