Surya Loan vs Aditya Birla Capital Personal Loan — 2024 Comparison
Detailed comparison on rates, fees, eligibility, and disbursal. Updated August 2026.
Aditya Birla Capital wins on 4 of 5 factors — its starting rate is 11% p.a. vs 24% for Surya Loan.
Our Verdict
Aditya Birla Capital wins on 4 out of 5 factors. Choose Surya Loan if you want the lowest possible rate and have a strong credit profile. Choose Aditya Birla Capital if you need faster disbursal or a higher loan amount.
Surya Loan vs Aditya Birla Capital — FAQ
Surya Loan offers a lower starting rate (24%) and is better for high-credit-score applicants. Aditya Birla Capital (11%+) is better if you need a faster disbursal or a higher loan amount.
Surya Loan charges a processing fee of 2%–5% of the loan amount. This is charged upfront and deducted from the disbursed amount.
Aditya Birla Capital typically requires a minimum CIBIL score of 700–730. Scores above 750 qualify for the lowest interest rates.
Applying to two lenders simultaneously results in two hard credit inquiries, which can reduce your CIBIL score by 10–20 points. Use SafeBorrow's comparison to choose one and apply to the best fit first.