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

Axis Bank Personal Loan

Axis Bank Personal Loan
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Fees & Charges

Promised Interest Rate

Customer Service

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 31 May 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 launches Loan App

    Axis bank has launched a new mobile app called “24X7 Instant Personal Loan” for selected customers. The customers can avail personal loans that will be credited to their account through this app. The customer needs to log on to the app to view their pre-approved loan amount. The customer can use the slider scale on the app to decide on their loan amount and loan tenure. The app gives out information about EMI for the loan, interest rate and processing fee.

    Cash is instantly credited to the customer’s account once they agree to the terms and conditions. They will get a verification message for the same. The maximum loan amount that one can avail depends on the applicant’s credit history. Though the maximum loan amount is hinted to be around Rs.5 lakh while the minimum is somewhere close to Rs.1 lakh. The rate of interest to be charged will be about 12-17%.

    15th May 2015

  • Suvidhaa Prepaid Card being launched by Axis Bank

    Axis Bank announced that it is partnering with Suvidhaa Infoserve and launching Axis Bank- Suvidhaa Prepaid Card. It leverages e-Know Your Customer platform for on-boarding, making cash deposits and withdrawing money at ATMs. The card complements Prime Minister’s Jan Dhan Yojana programme. The launch ensures that it can attract new customers from sectors such as construction and migrant workers, who do not like availing banking services.

    Axis Bank is the 3rd largest private sector bank in India. It began its operations in 1994. They aim to become the preferred financial solution provider for the customers.

    23rd April 2015

  • 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

84 % of our customers would recommend this bank. (380 out of 452) Write Review
Customer Reviews
Page 1 of 23 1 2 3 4 5
  • Validated User
    (0)

    I am very happy in taking my personal loan with Axis bank . I have been with them for the last two years. The term of my loan is a 5 year term. They are very good and follow a good system. They did not take a processing fee for my loan and they do not have a preclosure fee too. The customer service has always been excellent.

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    farooque took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Pre payment charge in Axis bank for personal loan and they are allowing customers to pre close the loan after six months. Processing charge is also less than other private banks. Interest rate is par with other banks and they gave 16%. My salary account is also with Axis bank so got the loan amount easily.

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    praveen took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    The main reason for me being with Axis bank for my personal loan is because they had the facility of preclosing my loan. The customer service and response has been good always. The rate of interest is high. It is about 13.9%

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    machhindra took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Axis bank is not at all deducting or cutting amount for insurance, basically it is not mandatory also processing charge is minimum for personal loan. Interest rate is less for me because some scheme was going on at that time. It was around 14.1% and the loan amount is 7lakhs. Axis is excellent in service.

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    subrat took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I have taken a personal loan from Axis bank. The rate of interest offered by them was very high. I have been charged with a processing fee of rs 8500 which is on the higher side. For 1.5 they have charged me around 8000 however, ICICI Bank has charged me around only rs 4000 for 2lakhs axis bank needs to work on the charges.

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    amit took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I availed a personal loan with Axis bank and the service provided was really good.The agent who helped in loan process was very good and responsive as well.The loan disbursement took around 10days but in those days the agent was doing continuous follow up and gave update about the loan process.The interest rate offered was really less and I am happy about the same.

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    manovendra took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    AXIS Bank personal loan process is really good. Their interest rate is very high when compared with other banks which is 17% which is way too high. Processing fee charged by them was 0.8% which is also high . It is an on going loan and it is 7 months old.

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

    I had very good experience with AXIS bank for personal loan that was taken before 5 year. The interest rate was normal . And I am okay with processing fee as well. If the bank offers something, they promises their customer to offer the same in terms of interest rate.

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    pankaj took a Personal Loan from AXIS BANK Reviewed on
  • Validated User
    (0)

    Axis Bank personal loan process is really good. The loan was disbursed at the right time. The rate of interest is high when compared with others. Its an ongoing loan. I am getting statements and certificate of interest from them on time and I can also download it from internet banking as well.

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    prajith took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Three years ago I got the personal loan only for the interest of 11% and that was a corporate offer at that time. Service charge, they collected around 1-1.5%. More than that for insurance they collected around 3k and it was informed to me in prior by Axis bank.

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    vardhan took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I got the personal loan with Axis bank for the rate of interest as 14.5%.The highlight things of Axis are foreclosure can be done at any time.The negatives like poor customer service, time of process is high and they should take care of that.

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    yogesha took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I got the personal loan with Axis bank and the rate of interest what they provided is 15% and am okay with that.There is no mandatory insurance and no hidden charges and they are very good in process.Its like a smooth ending.They provided the capital what I asked.

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    santony took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I received a average service provided by Axis Bank while getting this personal loan.I felt the interest rate offered was high and other than the rate everything was good.The customer service and response was very good and they provided the loan amount which I required with 1% charged for fee.

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    sreekanth took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    Personal loan with Axis bank is of five years tenure and I did not check the partial payment option however the pre closure is of 0%. I can fore close the loan on my convenient time. When I took the loan, got personal loan for 15% but now Axis is offering of 13%. EMI date is 5th and in past four years I missed one payment due to personal issues and for that I paid 500 as penalty.

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    natarajan took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I got a personal loan with Axis Bank before 5years and It was quick process as well.It was little hard for me to reach the Bank every time for documents submission.they provided ECS option and the EMI was deducted from my Salary. The service provided was transparent and I am happy with the service.

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    liju took a Personal Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Validated User
    (0)

    I got the personal loan with Axis bank for the rate of interest as 14%.As I am the existing customer of axis bank they provided me some discounts with interest rate.The whole process got completed within a week of time.The service is really good.

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    brijesh took a Personal Loan from AXIS BANK Reviewed on
  • Validated User
    (0)

    Personal loan with experience with Axis bank is good for me.The rate of interest is around 15.5%.The tenure is 5 years.The positives like there is foreclosing and partial payments are available.It makes me very happy to deal with Axis bank.

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    balamurugan took a Personal Loan from AXIS BANK Reviewed on
  • Validated User
    (1)

    I linked my salary account for EMI payment and I am not satisfied with the penalty charge because if there is a delay for a day there is a high charge. Axis bank charged me a Rate of Interest of 17% on my personal loan. There was a delay in loan process, it would be good if the process is faster.

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    salma took a Personal Loan from AXIS BANK Reviewed on
  • Validated User
    (0)

    I got the Personal loan with Axis bank for the huge rate of interest as 16.25%.On that time I dint have any choice other than to go ahead with them.Processing charges was around 2% that was bit high and the documentation needs to be improved with them.

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    mohan took a Personal Loan from AXIS BANK Reviewed on
  • Validated User
    (0)

    I got my personal loan sanctioned within 10 days from Axis Bank. I have taken this through my friend as my friend insisted me to take this loan and also he works for this Bank. The executive from the Bank had come directly to my office to collect my documents and also got signed from all the documents. Overall it was a smooth process and I did not face any issues.

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    jatinder took a Personal Loan from AXIS BANK Reviewed on
Customer Reviews
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