Lender profile
Aditya Birla business loans
Aditya Birla is on Recur Club's lender panel, writing cashflow financing, distributor financing, loan against property and 7 other products. Observed tickets run ₹50 lakh to ₹20 cr, priced between 11.5% and 18%. Median turnaround from application to disbursal is about 19 days.
- ✓Tickets from ₹50 L – ₹20 Cr across 16 products
- ✓Indicative pricing 11.5% – 18%, as quoted on live transactions
- ✓Around 19 days from application to disbursal when the file is clean
- ✓We check your fit against every lender on the panel, not just this one
16
Products live
₹1 Cr
Median sanction
19
Days median turnaround
210
Sanction letters read
— Which arm you land with
2 lenders under one brand
They share a screening philosophy but not a book. Which one your file goes to depends on what you are borrowing against.
Aditya Birla Capital Limited
Rejects
- Restricted industries excluded from purchase invoice discounting: EPC/Real Estate/Infrastructure/Construction, New Age Cos, Gems & Jewellery, NBFCs/money lenders, chit funds/stock broking, tobacco, arms & ammunition, liquor, gambling/casino, scrap dealers with turnover <Rs3 Cr, and other listed negative-list businesses (Dairy & Agri-Commodity excluded only for purchase invoice discounting but explorable under Vendor/Dealer Finance)
- Brickworks-rated borrowers are excluded from the purchase invoice discounting Rs5-10 Cr bucket
- Wilful defaulters not allowed under Factoring; borrower must have no write-off/suit-filed or NPA history in last 36 months
- Restricted industries not fundedEPC/Real Estate/Infrastructure/ConstructionNew Age CosGems & JewelleryNBFCs/money lenderschit funds/stock brokingarms & ammunition dealersnarcoticswildlife productstobaccoliquor businessgambling/casinoweapons/radioactive materials
16 more ▾ ▴
- Same restricted-industries negative list applies across purchase invoice discounting/Factoring products: EPC/Real Estate/Construction, Gems & Jewellery, NBFCs, arms dealers, narcotics, gambling, liquor, etc.
- Brickworks-rated borrowers are excluded from the purchase invoice discounting 3-10 Cr product
- Factoring: wilful defaulters not allowed; borrowers with write-off/suit filed or NPA history in last 36 months are excluded
- Negative list industries not fundedtobaccoanimal husbandry/poultry/livestockliquor/alcoholic beveragessecurity guard servicescable TV operatorsnon-qualified medical practitionerscyber cafés/CD-DVD rentalsYouTube influencers/content creatorshouses of worshipstandalone liquor shopsstock brokersprivate financiers
- Won't fund (stated policy): Real Estate (non asset Light)
- Gems and Jewellery
- Explosives, Arms and Ammunitions
- Financial Services
- Tobacco Products
- +3 more (playbook)
- Selective / conditional (stated policy): Real Estate (non asset Light)
- Cement
- Steel
- Gems and Jewellery
- Apparel
- +1 more (playbook)
Behaviour & gates
- Borrower: CIBIL ≥650 (cohort ≈708)
- age ≥2y (purchase invoice discounting)
- age ≥3y (unsecured business loan)
- age ≥5y (distributor financing, domestic factoring, vendor financing)
- minimum bankingturnover: 1 (unsecured business loan only)
- max usl90 plus dpd l6 m: 0 (unsecured business loan only)
34 more ▾ ▴
- max director current overdue usl l3 m: 0.002 (unsecured business loan only)
- max nach cheque bounces l6 m: 0 (unsecured business loan only)
- max usl enquiries l3 m: 5 (unsecured business loan only)
- max ongoing ubl count: 10 (unsecured business loan only)
- avg bank balance: 0.0035 (unsecured business loan only)
- max nach cheque bounces l3 m: 0 (unsecured business loan only)
- avoid: Gems and Jewellery, Explosives, Arms and Ammunitions, Financial Services (varies by product)
- Chandigarh, Delhi, Haryana, Himachal Pradesh, Jammu and Kashmir, Ladakh, Punjab, Rajasthan, Uttar Pradesh, Uttarakhand (varies by product)
- Private Limited, Public (varies by product)
- positive sector: Financial Services (varies by product)
- Financials: rev ≥₹15cr (cohort ≈112) (purchase invoice discounting)
- rev ≥₹50cr (unsecured business loan)
- rev ≥₹100cr (dropline overdraft, loan against property, loan against securities, sales invoice discounting)
- rev ≥₹500cr (distributor financing, domestic factoring, vendor financing)
- TOL/adjusted tangible net worth ≤5 (varies by product)
- debt/EBITDA ≤4 (cohort ≈3.3×) (varies by product)
- debt/networth ≤4 (cohort ≈0.8×) (varies by product)
- DSCR ≥1 (cohort ≈2.5×) (purchase invoice discounting)
- DSCR ≥1.2 (unsecured business loan)
- DSCR ≥1 (distributor financing, domestic factoring, dropline overdraft, loan against property, loan against securities, overdraft / cash credit, sales invoice discounting, secured term loan, vendor financing, working capital demand loan)
- Deal: rate 9–19% (range across products — see matrix)
- ticket ₹0–500cr (range across products — see matrix)
- tenure 12–240mo (range across products — see matrix)
- no PEP
- Security (observed): Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- FD margin 10–15% (73%)
- median ticket ₹3cr
- median rate 15%
- median turnaround 19d
- Security asked in : Personal Guarantee Of Promoters/Directors (×16), FD margin 5–10% (×7), FD margin 10–15% (×6), Personal Guarantee Of Promoters / Directors / Property Owner (×4)
- Security asked in 2026: Personal Guarantee Of Promoters / Directors / Property Owner (×55), FD margin 10–15% (×40), No Security (×13), FD margin 15–20% (×9)
- share → in-principle approval (initial interest): ≈14d
- in-principle approval → sanction (underwriting): ≈12d
- sanction → disburse (closing): ≈6d
Aditya Birla Finance Limited
Behaviour & gates
- Borrower: CIBIL ≥650
- avoid: Gems and Jewellery, Explosives, Arms and Ammunitions, Financial Services (varies by product)
- Goa, Gujarat, Maharashtra, Madhya Pradesh, Dadra and Nagar Haveli and Daman and Diu
- Private Limited, Public (varies by product)
- Financials: rev ≥₹100cr
- TOL/adjusted tangible net worth ≤5
28 more ▾ ▴
- debt/EBITDA ≤4
- maximum annualrevenue: 2000
- debt/networth ≤4
- DSCR ≥1
- networth ≥₹10cr (loan against property, secured term loan only)
- Deal: rate 10–18% (range across products — see matrix)
- ticket ₹10–500cr (range across products — see matrix)
- tenure 12–120mo (range across products — see matrix)
- no PEP
- Security (observed): 1st/pari-passu charge on current assets (100%)
- FD margin 10–15% (100%)
- Personal Guarantee Of Promoters / Directors / Property Owner (100%)
- share pledge ≤51% (50%)
- Fixed Deposit <5% (50%)
- FD margin 5–10% (50%)
- FD margin 15–20% (50%)
- FD margin 20–30% (50%)
- Personal Guarantee Of Promoters/Directors (50%)
- 1st charge on immovable assets (50%)
- Escrow Of Cashflows (50%)
- 1st charge on P&M (50%)
- median ticket ₹20cr
- median rate 13%
- median turnaround 597d
- Security asked in : Personal Guarantee Of Promoters/Directors (×7), 1st/pari-passu charge on current assets (×6), Fixed Deposit <5% (×6), FD margin 5–10% (×6)
- Security asked in : Personal Guarantee Of Promoters/Directors (×7), 1st/pari-passu charge on current assets (×5), Escrow Of Cashflows (×3), 1st charge on immovable assets (×3)
- Security asked in 2026: 1st/pari-passu charge on current assets (×2), FD margin 10–15% (×2), Personal Guarantee Of Promoters / Directors / Property Owner (×2), share pledge ≤51% (×1)
- share → in-principle approval (initial interest): ≈11d
— Products & indicative terms
What Aditya Birla lends, and on what terms
What has actually been offered on live transactions, not brochure numbers. Treat them as the band you are likely to be quoted inside, not a promise. Open a row for that product's credit box.
| Product | Ticket | Pricing | Tenure | Arm |
|---|---|---|---|---|
Cashflow Financing▾Turnaround ~16d Wins
Behaviour & gates
| ₹0.5–3 cr | 15.5–18% | 6–18 mo | Capital |
Purchase Invoice Discounting▾Turnaround ~27d Rejects
Wins
22 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹1–10 cr | 11.5–15% | 12 mo | Capital |
Secured Term Loan▾Turnaround ~597d Rejects
Wins
12 more ▾ ▴
Behaviour & gates
5 more ▾ ▴
| ₹20 cr | 13–14% | 36 mo | Finance |
Also offered, with no terms observed yet: Distributor Financing, Loan Against Property, Overdraft / Cash Credit, Sales Invoice Discounting, Unsecured Business Loan, Working Capital Demand Loan, Loan Against Securities.
— Typical term sheet
What a sanction from Aditya Birla actually looks like
Reconstructed from real sanction letters. Small samples, so read them as observed rather than as a rule.
Aditya Birla Capital Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 110 sanction letters carrying the clause.
Other standing covenants39%
Aditya Birla Finance Limited
Specimen sanction
Representative of the median file. Your actual terms will move with rating, security cover and relationship.
How often each clause appears
Share of the 100 sanction letters carrying the clause.
Other standing covenants41%
— Security & covenants
What they will ask you to pledge
Counted across the sanction letters read. A combination is normal, and most files carry more than one.
Aditya Birla Capital Limited
- Post-dated cheques / auto-debit mandate7 letters
- Cheques5 letters
- Goods
- debts and assets4 letters
- Immovable Property / Real Estate Units2 letters
- Receivables (Hypothecation)2 letters
- Current Assets / Receivables2 letters
- Post-dated cheques / auto-debit mandate ×7, Cheques ×5, Goods, debts and assets ×4, Immovable Property / Real Estate Units ×2, Receivables (Hypothecation) ×2, Current Assets / Receivables ×2
Aditya Birla Finance Limited
- Post-dated cheques / auto-debit mandate7 letters
- Goods
- debts and assets4 letters
- Cheques3 letters
- Receivables (Hypothecation)2 letters
- Immovable Property / Real Estate Units2 letters
- Current Assets / Receivables2 letters
- Post-dated cheques / auto-debit mandate ×7, Goods, debts and assets ×4, Cheques ×3, Receivables (Hypothecation) ×2, Immovable Property / Real Estate Units ×2, Current Assets / Receivables ×2
— Common questions
What borrowers ask about Aditya Birla
- What does Aditya Birla lend?
- Aditya Birla writes cashflow financing, distributor financing, loan against property, loan against securities, overdraft / cash credit, purchase invoice discounting and 4 further products. Across those, observed facilities run ₹50 lakh to ₹20 cr.
- What ticket size does Aditya Birla offer?
- Facilities observed on live transactions run from ₹50 lakh to ₹20 cr. The band differs by product, so the figure that applies to you depends on which facility you are asking for.
- What rate does Aditya Birla charge?
- Rates observed on live transactions fall between 11.5% and 18% a year. Tenures run 6 to 36 months. These are observed figures, not a quote, and the rate you are offered depends on your file.
- How long does Aditya Birla take to disburse?
- About 19 days from application to disbursal at the median, where the file is complete. Missing financials, unresolved security or a pending no-objection from an existing lender are what usually stretch it.
- What are Aditya Birla's eligibility criteria?
- The first screen is the bureau: a borrower CIBIL of at least 650. Revenue, leverage and debt-service thresholds apply on top and vary by product. The full credit box for each product is set out on this page.
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Check my matchLast updated
Lender intelligence dossier - screening gates, per-product terms and sanction observations, derived from lender policy documents and observed transactions. Figures are observed from a sample and are not an offer, a commitment, or a statement of Aditya Birla's current policy. Terms are set by the lender at the time of sanction.