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Corporate Finance

Aditya Birla Finance Limited

Corporate Finance

Time to upscale your business with easy loans from us

  • Register yourself
  • Get verified as an applicant
  • Get loan disbursal in no time




Contact Details

+91

What do we offer?

ABFL offers comprehensive solutions for all your business requirements. Our Corporate Finance help business owners scale up operations or acquire new processes for optimal functioning and profitability. In addition, our Corporate Finance facility is an excellent solution applicable to both short-term (managing assets and existing liabilities) and long-term (capital purchases and future investments) financial issues.

  • Project Finance

It focuses on opportunities in infrastructure, core, and manufacturing sectors and offers comprehensive solutions for mid-sized projects, and partner with other infrastructure financing institutions for larger projects.

  • Structured Finance

We offer customised and innovative solutions for long-term working capital requirements, bridge loans, acquisition financing, and equity investment requirements.

  • Working Capital

We offer working capital solutions to suit an array of short-term business requirements of companies whose current operational costs are higher than their monthly revenues. 

  • Term Loans

  • smefinance-icon

Our corporate term loans can help companies expand operations, acquire equipment and manpower, upgrade existing processes, etc., to augment business output.

It focuses on opportunities in infrastructure, core, and manufacturing sectors and offers comprehensive solutions for mid-sized projects, and partner with other infrastructure financing institutions for larger projects.

We offer customised and innovative solutions for long-term working capital requirements, bridge loans, acquisition financing, and equity investment requirements.

We offer working capital solutions to suit an array of short-term business requirements of companies whose current operational costs are higher than their monthly revenues. 

Our corporate term loans can help companies expand operations, acquire equipment and manpower, upgrade existing processes, etc., to augment business output.

What do we offer ?

  • DCM

The DCM business aims to provide solutions by leveraging its knowledge and insight of the debt capital markets in India. These are coupled with robust distribution and structuring capabilities.

  • Loan Syndication

Our Loan Syndication & Advisory team provides holistic solutions to corporate clients for their projects, acquisitions, and general corporate requirements thereby syndicating corporate debt across sectors as diverse as manufacturing, infrastructure, health-care, hospitality, logistics, IT Parks etc. with a multitude of lenders across the lending spectrum.

The DCM business aims to provide solutions by leveraging its knowledge and insight of the debt capital markets in India. These are coupled with robust distribution and structuring capabilities.

Our Loan Syndication & Advisory team provides holistic solutions to corporate clients for their projects, acquisitions, and general corporate requirements thereby syndicating corporate debt across sectors as diverse as manufacturing, infrastructure, health-care, hospitality, logistics, IT Parks etc. with a multitude of lenders across the lending spectrum.

Revision of Reference Rates for determining Interest Rates on loans given

ABFL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

ABFL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged. ​​​​​​​​​​

Emergency Credit Line Guarantee Scheme (ECLGS)

A new facility in accordance with the Emergency Credit Line Guarantee Scheme (“Scheme”) is launched by NCGTC (National Credit Guarantee Trustee Company Ltd., Ministry of Finance, Government of India).

Under the Scheme, an additional loan up to 20% of the outstanding as on February 29, 2020 can be extended. This facility will be valid for 4 years with a 12-month principal moratorium.

This loan offer is subject to you complying with the following additional requirements, as specified under the Scheme:

  • Annual turnover of the entity for the Financial year 2019-20 is not greater than Rs. 100 Cr.
  • Overall fund - based outstanding credit with all banks/NBFCs/FIs as on 29th Feb 2020 is not greater than Rs. 25 Cr.
  • No overdues beyond 60 days, across all banks/NBFCs/FIs as on 29th Feb 2020.
  • Availability of a valid GST registration, unless exempted.

Additional details of the above scheme is available on the following link:

https://www.eclgs.com/

Corporate Finance FAQ's

Corporate loans are funds extended by banks or financial institutions to businesses for diverse financial requirements like working capital, expansion, equipment acquisition, or debt restructuring. They are repaid with interest over a set period.


Also Read: Everything You Need to Know About0 Corporate Finance

Eligibility for a corporate loan depends on factors like financial health, creditworthiness, profitability, business stability, existing debt, and loan purpose. Lenders may also assess industry, collateral, and track records. A strong financial standing and a clear repayment plan are crucial for approval.

Corporate loan interest rates vary based on lender policies, market conditions, borrower creditworthiness, loan amount, and repayment period. Rates range from slightly above the base lending rate to higher rates for riskier borrowers or shorter terms.

Yes, you can take more than one small business loan at a time, provided you are aware of their terms and conditions.

In addition to interest payments, various charges may be associated with maintaining a corporate loan. These charges can include:


  • Processing Fees
  • Prepayment Charges
  • Late Payment Fees
  • Loan Origination Fees
  • Documentation Charges
  • Annual Maintenance Charges
  • Legal Fees

Loan processing and disbursement require a minimum of 7 working days after the document submission. Loan approvals are solely at the discretion of the bank. .

KYC stands for ‘Know your Client’, a term commonly used for the Client Identification Process. SEBI has prescribed certain requirements relating to KYC norms for Financial Institutions and Financial Intermediaries, including Mutual Funds, to ‘know’ their clients. This is in the form of verification of identity and address, financial status, occupation, and other personal information.
Amortisation is paying off debts in regular instalments over a period.
A right over security is created in favour of ABFL. Hence, shares cannot be transferred or sold by the customer or shareholder.
A Guarantor is a person who guarantees to pay for someone else’s debt if he or she should default on a loan obligation.
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