Multiple banks. Different interest rates. Call it a "conflict of interest".

Axis Bank Personal Loan

Axis Bank Personal Loan
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Promised Interest Rate

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Responsiveness

Axis Bank Limited (formerly UTI Bank) is the third largest private sector bank in India. It offers financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Business. Axis bank offer loan for salaried person who has a dream vacation, child's education, home renovation or wedding in your family, you can instantly fulfill your aspirations with Axis Bank Personal Loans.


You’re probably eligible for an Axis Bank Personal Loan if you are

01
02
03
04
Axis Bank Personal Loan Minimum Age

At least 21 years old

Axis Bank Personal Loan Maximum Age

Less than 60 years old

Axis Bank Personal Loan Eligible Employment Type

Salaried / Self – Employed
with regular income

Axis Bank Personal Loan Minimum Income

Earn more than the minimum
income required


Your Axis Bank Personal Loan amount eligibility is based on these factors

01
02
03
Axis Bank Personal Loan Minimum Salary

Minimum income required
Rs. 15,000 per month

Axis Bank Personal Loan Maximum Loan Funded

Maximum allowed personal loan is Rs. 15 lakhs

Axis Bank Personal Loan EMI

EMIs of other loans lower
your eligibility


Increase your eligible Axis Bank Personal Loan amount by these steps

01
02
Axis Bank Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

“Axis

Choose longer tenure loan up to 60 months


Documentation needed to apply for an Axis Bank Personal Loan

  • 1. Signed application form with photograph
  • 2.Copy of passport/voter ID card/driving license
  • 3. Processing fee cheque
  • 4. Last 3 months bank statement/6 months bank passbook
  • 5. Documentation for salaried applicants:
    • Latest salary slip
    • Current dated salary certificate with the latest Form 16
  • 6. Documentation for self-employed applicants:

    • Latest Bank statement
    • Latest ITR or Form 16

Axis Bank Personal Loan Interest RatesUpdated on 19 Apr 2015

Axis Bank Personal Loan Details
Interest Rate (Floating) 15.50%-24% p.a
Processing Fees 1.50% to 2.00% + Service Tax as applicable
Loan Tenure 60 months

About Axis Bank Personal Loan

Axis Bank, the third largest private bank in the country is a bank of choice by many when it comes for personal loans. Head quartered in Mumbai and with a wide network of branches in every nooks and corners of India, Axis bank offers personal loans to fulfill the immediate financial requirements of a wide range of people living in any part of India.

Personal loans offered by Axis bank are flexible with minimal documentation, fast approval and are open for all those who have a secure regular income, irrespective of the purpose of application. Personal loans availed from Axis Bank can be used for any immediate financial needs like children's education, medical emergencies, wedding expenses, home renovation, starting a business or even for closing any other miscellaneous financial liabilities.

Axis Bank offers personal loans for both salaried and self employed individuals. Personal loans from Axis Bank are available from Rs. 10,000 to Rs. 15 lakhs with a flexible tenure ranging between 12 to 60 months.

The bank offers very lucrative interest rates for personal loans while allowing applicants the option of transferring their existing personal loans with other banks to Axis Bank through the balance transfer mechanism.

Why choose Axis Bank Personal Loan?

Axis Bank personal loans not only come with most competitive interest rates, but also a simple loan facilitation process. Axis Bank is the bank of choice when it comes to personal loans for a wide range of loan applicants as it offers intrinsic advantages including:

  • Minimal documentation
  • Simple procedures
  • Quick loan approval

Axis Bank offers personal loans up to a maximum limit of Rs. 15 Lakhs making it suitable for even those seeking a higher quantum of loan. With active bank branches in almost all small towns in India, Axis Bank makes sure that there is a loan centre easily accessible for citizens; even for those who live in the semi urban and rural areas of the country.

Axis Bank has been one of the pioneering banks in embracing technology, allowing loan application and approval through online loan requests. Users can request for a personal loan online without even visiting the bank branch in person and can get the loan approved almost instantly.

Features of Axis Bank Personal Loan

When a person is in need of money and finds his or her bank account lacks the ability to support upcoming expenses, it is not the end of the world. There are options available that will help anyone pay for things that might, initially, seem out of reach. This is where Axis Bank’s personal loans come into the picture. The loans offered by them are structured in such a way that not only are they easy to avail but also easy to pay back. They offer a variety of ways to pay back the loans like Standing Instructions, Electronic Clearing Service or even Post Dated Cheques. A personal loan could give a person the purchasing power they need to go on a dream vacation or even provide their children with the best education possible.


Axis Bank is one of the top personal loan providers in India, as they aim to give personal attention to each loan applicant. Unlike many other banks, Axis Bank makes sure that loan facilitation and approval process for each applicant is fast tracked without any unnecessary delays.


Highest Quantum of Loan: The quantum of personal loan offered by Axis Bank is highest in its class; with an upper limit of Rs 15 Lakhs.


Competitive Interest Rates: Axis bank offers the best in class interest rates with quick loan approval. The bank offers personal loans at a competitive interest rate ranging from 15.5 to 24%.


Zero Prepayment/Foreclosure Charges: Axis Bank offers no prepayment or foreclosure charges for personal loans.


eDGE loyalty Benefits: The bank offers eDGE loyalty points on personal loans which can be redeemed for cash surplus and discounts.


Online Loan Account Facility: Axis Bank offers Statement of Account, loan repayment schedule or interest certificate for all customers through mail.


Multiple Repayment Options: Axis Bank offers a number of options to make EMI payments including Electronic Clearing Services or ECS and Post Dated Cheques.


Dedicated Helpline: For any loan related query, Axis Bank has set up a dedicated helpline for loan services available round the clock at the bank's toll free numbers.


Why apply for Axis Bank Personal Loan on BankBazaar.com?

BankBazaar.com is India's premier financial market place which has an active collaboration with Axis Bank for all its loan products. Loan applicants can use BankBazaar.com’s Online Loan Calculator Tool to apply for a personal loan with Axis Bank sitting at the comfort of their homes offices.

The Loan Calculator Tool offered by BankBazaar.com is a one-stop-online shop offering the following services:


Eligibility Check: It checks for your personal loan eligibility with Axis Bank and instantly shows the results in just the click of a button.


Instant Quotes: The eligible loan applicants are offered instant personal loan quotes customized as per their profile and with a discounted interest rate.


Real Time Loan Comparison: BankBazaar.com offers a simple online personal loan comparison tool allowing users to compare the loan offers of various banks. Applicants can also browse through the reviews and feedback of successful personal loan applicants to know the pros and cons of the each product and institution.


Instant e-Approval: The applicant gets an instant e-approval after successfully submitting his or her loan application.


Assured Privacy: All applications submitted to BankBazaar.com are sent electronically to the concerned Axis Bank department assuring complete privacy and transparency.


How to apply for an Axis Bank Personal Loan on BankBazaar.com?

Applying for an Axis Bank Personal Loan at BankBazaar.com involves three simple steps.

Step 1: The applicant should fill the personal loan eligibility form available online with required personal data.


Step 2: Once the basic details along with the loan amount and tenure are submitted, the tool instantly checks for your loan eligibility and displays various personalized loan options.


Step 3: You can now compare the various personal loan options offered and apply for the best suitable plan according to your eligibility and tenure in one click.


Step 4: You receive an instant e-approval from BankBazaar.com based on the details you have entered.


Your application is then electronically sent to your nearest Axis Bank branch by Bank Bazaar.com. The concerned bank loan department gets in touch you applicant for further process like submission of original documents and signing loan agreement. Users can also check the status of their loan application through SMS alters as well as emails sent automatically by BankBazaar.com.

Axis Bank Personal Loan Interest Rate

Like any other bank, Axis Bank Personal Loan is floating and is subject to market fluctuations. The bank changes its personal loan interest rates from time to time as per its discretion. The current interest rates charged by the bank ranges between 15.50% and 24%.

The actual interest rate as applicable for each applicant depends on his/her nature of job (whether you are a Self Employed Professional (SEP), Self Employed Non Professional (SENP) or salaried and factors like age, years in service and CIBIL score. The lower the risk involved for the bank in lending you, the lesser will be the interest rate charged.


Axis Bank interest rates claim to be the highly competitive and best in the market. The interest rates levied on Axis Bank personal loans can be between 15.5% and 24%. These rates are subject to change depending on market conditions and at the bank’s discretion. Interest rates charged for defaulters is 24% per annum which basically translates into 2% per month for each overdue instalment. Axis Bank also provides interest certificates which can be issued for a charge of Rs. 250 plus service taxes. In case the original certificate is misplaced, the bank can also issue a provisional certificate for which customers have to pay a fee which is the same as that for the actual certificate.


The current interest rates and other charges of the bank are as below:

Rate of Interest 15.50% to 24% ( varies with the nature of job of the applicant and monthly income )
Loan Processing Charges 1.50% to 2.00% + Service Tax as applicable
Prepayment/ Forclosure Charges Nil
CIBIL Report Issuance Charges Rs. 50/- per instance per set+ service tax as applicable
Duplicate Statement Issuance Charge Rs 250 per instance + Service Tax as applicable
Cheque Bounce Charges Rs. 500 per cheque bounce + Service Tax as applicable

Axis Bank Personal Loan Eligibility

Axis Bank offers personal loans ranging from Rs.1 lakh to Rs. 15 lakhs, to all applicants fulfilling the basic eligibility criteria as below:

  • The applicant must be a salaried person. Which means that they should either be doctors or employees of a private/public limited companies. They can even be employed by a public sector undertaking or central or local bodies. Government sector employees are also eligible. Self-employed individuals can also apply.
  • The minimum age of the applicant must be 21 years and the maximum 60 years.
  • The minimum Net Monthly Income should be no less than Rs.15,000 per month.

Eligibility Criteria for Salaried Individuals:

  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 58 years
  • Minimum Net Monthly Income: Rs 15,000
  • Loan Amount Offered: Rs 1 lakh to Rs. 15 Lakhs
  • Minimum Service Period With Current Employer: One Year

Eligibility Criteria for Self Employed Individuals:

  • Minimum age of applicant: 24 years
  • Maximum age of applicant at loan maturity: 65 years
  • Minimum Net Annual Income: Rs 2, 00,000
  • Loan Amount Offered: Rs 1 lakh to Rs. 15 lakh
  • Minimum Work Experience in Current Business/Profession: Three Years

Besides this, the CIBIL score of the applicant plays a major role in the loan application approval.

How to calculate EMI for Axis Bank Personal Loans

Calculating EMI manually can be a tough task with a complicated formula. From the loan amount to the tenure of loan and interest rates, each aspect plays an important role in deciding the EMI to be paid each month by the applicant.

EMI Calculations Made Easy:

The best way to calculate EMI is by using the Personal Loan EMI Calculator provided by BankBazaar.com. Users simply need to add the amount of their personal loan, tenure and rate of interest. The EMI calculator then automatically calculates your EMI and provides the result instantly.

Axis Bank Personal Loan FAQs

  1. What is the best way to apply for Axis Bank personal Loan?

  2. The best way to apply for Axis Bank Personal Loan is by using the online loan application tool at BankBazaar.com. It offers personal loan quote in seconds so that you can assess your loan eligibility sitting at the comfort of your home or office.

  3. What is the minimum and maximum amount of personal loan that I can get from Axis Bank?

  4. Axis Bank offers personal loans ranging from a minimum amount of Rs. 10,000 to a maximum amount of Rs. 15 lakhs. Your eligible loan amount depends on your age, monthly income and the nature of your job.

  5. What is the maximum tenure for which I can avail a personal loan from Axis Bank?

  6. Axis bank offers a flexible tenure for its personal loans ranging from 12 to 60 months.

  7. Is BankBazaar.com Personal Loan Tool free?

  8. Yes, BankBazaar.com loan calculator tool is totally free and the portal does not charge any fee for its services from members. Applying for Axis Bank Personal Loan through BankBazaar.com also does not involve any additional charges.

  9. Can I track my loan application?

  10. BankBazaar.com offers loan applicants active tracking tool through both email and SMS allowing users to track daily updates of their loan application.

  11. How can I calculate my EMI amount for my personal loan?

  12. BankBazaar.com has developed a unique EMI calculator tool that offers EMI breakup for all loans. All you need to do is to enter the preferred loan amount and tenure. The tool calculates the EMI based on the applicable rate of interest.

  13. Is my Data Safe with BankBazaar.com?

  14. Yes of course. BankBazaar.com is India’s premier financial market place and takes utmost care in ensuring the all data is sent in electronic form with high level of encryption. BankBazaar.com does not share your data with any third party other than the financial institution.

  15. How many days will it take to receive the loan amount after applying with BankBazaar.com? Is there any other procedures?

  16. Usually it takes 48 hours, but may vary from case to case. BankBazaar.com will instantly submit your loan application to your nearest Axis Bank in an electronic format. A representative from the branch gets in touch with you for collecting original documents from you. The bank will also check your CIBIL score and approves the loan application. You will also have to sign a loan agreement with the bank.

  17. How it is more beneficial to apply through BankBazaar.com than to apply directly with the bank’s website?

  18. BankBazaar.com offers a unique EMI calculator tool and online submission with which you can understand your loan eligibility, applicable EMI and thereby apply online without visiting the branch. Axis Bank’s website also offers e-approval of loan, but BankBazaar.com being a premier banking partner with tie ups with all leading Indian banks and NBFCs, can get you the lowest and the best deals on personal loans.


News About Axis Bank Personal Loan

  • Axis Bank To Strengthen Personal Loan Portfolio

    Axis Bank has decided to strengthen retail credit growth by enhancing its personal loan and credit card portfolios.

    The bank hopes to profit by focusing on unsecured advances given the high returns on these products vis-a-vis secured advances.

    The risk the bank is willing to bear is supported by positive economic growth indicators. They aim to cash-in on creditworthy customers with large personal funding needs thereby enhancing its asset-base while maintaining asset-quality.

    This move also comes on the back of stiff competition in the retail loan segment, which the industry turned to in the wake of stagnant/declining corporate credit growth. While secured advances like home and auto loans were prioritised to bring in business thus far, Axis Bank has zeroed in on opportunities in the personal loans space. Despite a general call to tighten credit disbursal norms, with increased business confidence, it can be assumed other financially sound players will also follow this leading private bank’s initiative to tide over times of slow-growth.

    21st November 2014

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Axis Bank Personal Loan Reviews

86 % of our customers would recommend this bank. (326 out of 378) Write Review
Customer Reviews
Page 1 of 19 1 2 3 4 5
  • (0)

    Bank employee make no coordination with other branch office. Delay to delay . Nobody listen to customers even Loan Center Head after complaint to him, he has entered in his cabin. Processing couldn't complete in even 6 days. I suggest pls open ur a/c in other bank.

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    abhikalp took a Personal Loan from AXIS BANK Reviewed on
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    (0)

    I have already availed a personal loan with Axis Bank and now I have done top up with the same loan. I am very happy with the service provided by Axis and that was the reason for availing this top up loan as well.I got this loan within 3 days with less documentation process and I am happy with the same. The interest rate offered was very high which is 20% and the fees that were collected was normal.I had a good customer experience with Axis.

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    kanagasundaramn took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (0)

    I applied personal loan with AXIS bank.. The documentation process is too long, too many documents are collected. Comparing to ICICI bank the interest rate offered by AXIS is high. And the charges applied is also too high. Should improve in interest rates. My loan got disbursed in 10 days, the processing time is too long and should improve on that. Other than that the follow up made was good.

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    swatisingh took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (0)

    I am holding a Personal loan from Axis Bank. The processing time taken by the Bank was more and it took nearly 10 to 15 days for the loan to get disbursed. There is no frequent calls or alerts from the Bank as I get only one sms before 1 week of the payment date. The best part is their options provided as they have got prepayment options and also there is no foreclosure charges

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    murali took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (1)

    Axis Bank Personal loan was quite good because I hold my salary account with them.I came to know about this through my friend because he is the one who is working for that loan section he came and collected the documents since I know him personally he was good to me.They gave me around 16.25% as rate of interest at that time it was quite good when compared with different banks,because that time there was some government holidays thats the reason they gave some offers.I was following him each and every time for asking the status.

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    ganesh took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    I applied Personal Loan through AXIS Bank.My loan got disbursed within 10 days. The service what they provide is good. And the Interest rate I was charged is 13.5% which is similar when comparing to the other banks. About the fee and charges I would say that it is quit high. Over all I feel that AXIS is better.

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    ravi took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    The person who came for collecting documents said that as per customer wish the payment will be taken and as per I wished i asked them to take on 10th of every month.But after submitting all the details they are telling that they cannot do and there was no proper customer service guidance given to me.One more thing I have to pay extra 3% for processing fees from the loan which was also not informed to me.

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    mohan took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    Axis bank was my second bank i tried for applying personal loan.Customer service is good and their response was also very good and quick ,i didn't find any difficulties .Good thing is i came to know about each and every details on my first attempt itself ,my application got rejected due to my age only ,negative is they have very high rate of interest when compared with other banks its around 15%,other than that everything went good.

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    amritesh took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    Interest rate offered by Axis Bank for the personal loan is really low. The processing fee charged by them was around rs 1800. The interest rate offered by them was around 15% . The processing of the loan was very fast they took hardly around 4 to 5 working days. They have asked for simple documents like pay slip , bank statement and government ID proof.

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    murali took a Personal Loan from AXIS BANK Reviewed on
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    (3)

    I applied personal loan from AXIS before two months. And my loan got disbursed within a week and i feel good because I got the amount when I am in need. And I am really unhappy with the processing fee is very high, they have deducted 2.5% along with my insurance. Other than that the customer support was good. Really AXIS should improve on the charges that applied.

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    raheem took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (2)

    I had a great experience with AXIS bank. I took personal loan on 2012 in axis bank. And within a week my loan got disbursed. The representatives from customer support guided me very well. I had a great service from them. And feel that the Rate of Interest is very high.

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    prakash took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    I got Personal Loan 4 months back from AXIS. Once the documents are submitted to the bank, the very next day by the third party from Axis came for an enquiry. And within 4 days my loan got disbursed and the amount was credited to account since I had my salary account in the same bank. I feel that the rate of interest and charges are bit high. Other than that I felt that the service was very good from Axis bank.

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    sathish took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    In the year 2007 I had availed personal loan for the amount of one and half lakhs which I have closed. Axis bank is good in all the respects and they assisted well. Option of partial payment is very good with Axis and we can go ahead and close the loan in three installments. Charges were affordable and at that time I did not take insurance along with this loan.

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    karthikeyan took a Personal Loan from AXIS BANK Reviewed on
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    (2)

    My experience with Axis Bank was good for the personal loan I have taken. I hold my salary account with this bank and so the process was good. My loan got disbursed within 3 to 4 days and there was no documents asked. It would be nice if the rate of interest charged is reduced.

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    dilip took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (2)

    I have taken a personal loan from Axis Bank and the service provided by them was good. The customer service provided me with all the necessary informations and the necessary documents to be submitted for the personal loan. My loan got disbursed within 3 to 4 days and the executives were very supportive. It would be nice if the rate of interest charged and also the processing fee gets reduced and also I would suggest to provided a health insurance along with the loan.

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    vivek took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (4)

    Axis bank provided facility of any time loan closing that is I can pre close the loan post six months without nil charge. Only Axis bank is providing partial payment option where this is not in other banks. Interest rate is bit high on personal loan as it was 13% when I was taking but now they would have increased.

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    mathipriya took a Personal Loan from AXIS BANK Reviewed on
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    (9)

    One year ago I had personal loan with Axis bank but I pre closed it . Process is very easy with Axis bank while comparing to other banks and documentation is simple. Though we have salary account with Axis bank, customers have to visit the branch to pre close the loan and the procedures are long. Highlight is that no pre closure charge. I would say the interest rate is high in Axis as they offered 20%. Charges are same like other banks.

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    hariharan took a Personal Loan from AXIS BANK Reviewed on
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    (6)

    My experience with AXIS Bank for the personal loan I have opted for was good. It is my salary account and thats the reason for me to take loan. It was a quick process and a polite response from the customer service executives. The customer service executive called me several times informing about the offers and also regular follow up done and I do get frequent calls from them. The documentation process was very simple and clear and whatever documents was required was sent to email. In addition there is no processing and foreclosure charges by the Bank. Overall it was a smooth process.

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    santosh took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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    (3)

    Good benefit of Axis bank is that they have part payment facility where we can pay as per our convenient however the worry is rate, which is on higher end. I took personal loan one and half years ago and I pre closed it. Individuals were very helpful and I am glad about Axis because they sanction loan even the customer earns less but obviously rate would be high.

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    shiv took a Personal Loan from AXIS BANK Reviewed on
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    (4)

    My experience with Axis Bank was good as I donâ??t get too many calls or emails from them though being a existing customer I donâ??t get any new products details . The processing fee charged is nominal and also the rate of interest charged is reasonable in the market. The documentation process was a lengthly one as I had to submit too many xerox copies of my proofs.

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    kiran took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
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