Answer: Write to us with the disbursement related communication and your contact number at care.finance@adityabirlacapital.com We will investigate and respond back to you.

Answer: The mismatch can be due to the processing fee or any insurance related deduction. In case the mismatch is not reconciled then you can write to us on care.finance@adityabirlacapital.com with all the loan details available with you.

Answer: You can login to any of our digital channels and access your basic loan related information. All you need to do is validate with either your PAN card, registered mobile number or email address. Click on the below channels to access your loan information right away.

1. Loan Details
2. Statement of Account
3. Amortization / Repayment Schedule
4. NOC / NDC Required
5. Interest Certificate
6. Welcome Letter

Answer: Below documents are sent once your loan is disbursed -

1. Welcome Letter
2. Agreement copy
3. Accepted copy of the sanction letter
4. Repayment Schedule
5. Insurance copy (if applicable)

Answer: You can view your EMI amount in your statement, welcome letter and repayment schedule.

Click on the below channels to access your loan information.

Answer:It is on 5th of every month.

Answer: You will receive a SMS notification on your registered mobile number from ABFL once your EMI is cleared. You can also refer to your latest Statement of Account or Repayment Schedule of your loan account to know the EMI clearance status.

Answer: EMI amount collected can be less if there is an excess amount to be refunded to you. The EMI amount collected cannot be more than the actual amount unless it is agreed with you.

Answer: No. There is no provision to change the EMI due date

Answer: The reason for bounce is mentioned in SMS notification sent to your registered mobile number. It is also mentioned in your Statement of Accounts.

Answer: You can pay Overdue EMI Amount via below link.
To make the online payment for overdue please follow the below step:

Option 1

Option 2

To make the payment through Whatsapp please follow the below step: Send “Pay Now” on our WhatsApp Number 882880031 Select the option to authenticate yourself Via PAN or Mobile Number or Email Id linked with your Loan Account (OTP Will be triggered) After submitting the OTP select the Loan Account for which you want to make the payment A link will be generated for you to make the payment Click on the Link as it will take you to the payment page Verify the details à Verify the Amount à Choose the UPI App Once payment is done your transaction details will be visible.

Answer: To change the bank account from which your EMI is debited, you need to send the below documents to us from your registered email address at care.finance@adityabirlacapital.com

1. Last 6 months bank statement
2. Request letter mentioning the reason for swap.

We will review and confirm whether we can change the EMI debit to the new bank.  If the change is approved then you need to:

1. Pay charges as per SOC. To know more, click here
2. Visit our nearest branch and submit:-
   1. Last 6 months bank statement
   2. 6 Post Dated Cheques:
      1. 3 for EMI amount
      2. 1 for Loan amount as security deposit
      3. 2 for remaining tenure and SPDC if bank is not participating on NACH platform (link to know if your bank is LIVE on NACH is
         https://www.npci.org.in/what-we-do/nach/live-members/live-banks)
   3. 2 NACH forms (these will be provided to you by the Branch Personnel)
3. You can find the branch address and timing ,Click here

Answer:

1. Refer the link below for list of banks that are LIVE on NACH (physical)

https://www.npci.org.in/what-we-do/nach/live-members/live-banks

1. Refer the link below for list of banks that are LIVE on eNACH (Electronic)

https://www.npci.org.in/PDF/nach/live-members-e-mandates/Live-Banks-in-API-E-Mandate.pdf

Answer: Your bank will inform you about the same. In case you have not received any communication, please contact your bank. You will receive SMS notification on your registered mobile number from ABFL as well.

Answer: We will send you an email confirmation once you provide the UTR number and the purpose of payment from your registered email address at care.finance@adityabirlacapital.com .

Answer: Click here to know about all types of charges that can be levied on your account.

Answer: The processing fees are non-refundable.

Answer: Click here to download the form to change your email address, mobile number or correspondence address.

1. Fill the form and provide the self-attested documents mentioned in the form from your registered email address to care.finance@adityabirlacapital.com (except for email address change request)
2. For non-individual loan account, provide request on the letter head signed by all borrowers and self attested GST/utility bill.

Answer: You need to submit the below documents from your registered email address to care.finance@adityabirlacapital.com

1. Form 16A (Verified digitally signed TRACES Form 16A or Manual signature with seal of the company in the name of Aditya Birla Finance Ltd)
2. Cancel Cheque
3. Request letter (Request letter on company letter head along with the loan account number, quarter and refund amount details with calculation/working.)
4. Declaration in the attached format on company letter head.
   Click here

Answer: Share the CIBIL report downloaded from CIBIL website in PDF format along with the reason for dispute from your registered email address to care.finance@adityabirlacapital.com
We will check and respond. Note that the credit bureau update will happen only in the next month.

Answer: You can login to any of our digital channels and access your Service request related information.
All you need to do is validate with either your PAN card, registered mobile number or email address.
Click on the below channels to access your loan information right away.

Answer: Part payment can be done only via own funds. Balance Transfer Cheques or DD are not allowed. You can initiate a part payment only if your loan is not in Lock in Period.

Please follow the steps as below -

1. Refer to the percentage of principle outstanding that can made as part payment as mentioned in the Schedule of Charges (SOC), loan agreement or sanction letter. (click here for Schedule of charges)
2. Check the SOC, Loan agreement or sanction letter for the charges levied to make the part payment
3. Clear dues if any in the account
4. Make the payment.
5. Provide the UTR number, purpose of the payment, effect post part payment on EMI amount or tenure from your registered email address to
   care.finance@adityabirlacapital.com

Answer: You can foreclose your loan only if it is not in the lock in period.

1. You need to write an email from your registered email address to care.finance@adityabirlacapital.com along with your contact number and reason to foreclose the loan.
2. In case you are closing the loan with own funds or sale of property then you need to provide the copy of supporting documents.
3. Upon receipt of these details, an expert will call you to take the request forward.
4. Please note that foreclosure charges will be applicable, which are mentioned in the loan agreement, sanction letter and schedule of charges (click here for Schedule of charges)

Answer: Yes, the authorized representative should carry an authority letter signed by all borrowers on the letter head along with his/her identification documents for this request.

Answer: No, SPDC (Security Post Dated Cheque) and PDC (Post-dated cheques) are destroyed once the loan is closed.