Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Axis Bank Gold Loan Reviews

    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Axis bank has also offered me a personal loan and the bank processed my loan without much of hassles. The disbursement was as needed and I was also comfortable with the interest rate and processing charges. The after loan services are also good.
      Was this review helpful? 0
      , satara
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Userfriendly process"
      0.5 4.5/5 "Excellent!"
      Within five days I got AXIS personal loan but interest rate was quite high. I took the amount of Rs. 3 lakhs, in that they have deducted 2% of processing fee. It was nominal as per the market standard. AXIS Part payment and foreclosure option is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Proper response"
      0.5 4.5/5 "Excellent!"
      I first applied for a personal loan with Axis Bank and they were very much responsive. After checking on my details they said they could not proceed ahead because of the banking norms. I am glad that they contacted me and informed me the details.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      I have closed the personal loan with the Axis bank and the rate of interest was around 11.2%. I would like to say that the customer service is good one for em and they have disbursed the loan amount within five to six days of time.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Customer friendly and hassle free"
      0.5 5.0/5 "Blown Away!"
      AXIS personal loan experience was excellent, recently I took top up with 9% of interest. Both the time AXIS is customer friendly with less documentation procedure and hassle free coordination. When I applied for loan in HDFC their response and interest rate was not upto the mark. But AXIS is very excellent.
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      , bangalore
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from AXIS and I had closed the loan within two years. Loan process was really good in AXIS, interest rate was slightly higher depend upon the corporate which I was working. Finally I done the preclosure without any charges.
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      , mumbai
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Axis bank has disbursed my loan amount within a week time. The customer service of Axis bank gave quite good response,The fore closure and the part payments options are available with axis bank. The rate of interest is high when compared with others.
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      , chennai
      Reviewed on Sep 25, 2017
    • Axis Bank Personal Loan
      "Approachable personal loan"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from AXIS BANK .The disbursed loan amount is 3 lakhs and i pre closed the loan with the 5 lakhs loan which was again provided for me from other branch of AXIS bank. I got the approved amount with 3 days. I am very much happy with AXIS bank service.
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      , bangalore
      Reviewed on Sep 24, 2017
    • Axis Bank Personal Loan
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with AXIS bank .Their rate of interest was 13.99% which was satisfactory and the loan process was very easy here. They sanctioned the loan with in 3 days and I have submitted less documents. The processing fee was just 2000 so I would like to rate 5 out 5 overall.
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      , bangalore
      Reviewed on Sep 24, 2017
    • Axis Bank Personal Loan
      "Unprofessional services"
      0.5 2.0/5 "Expected more"
      I had also applied with Axis Bank for a personal loan and the process of banking is not to my satisfaction. They came over and collected my papers and later they did not come back to me and give me a update on the process. It has not been a professional service.
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      , mumbai
      Reviewed on Sep 24, 2017
    • Axis Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Axis bank is good, had excellent service. Within a week or so my loan got disbursed. Interest rate was around11.49% which is manageable. Processing fee was nominal. The loan amount I had taken for three lakhs and the tenure is for three years of time.
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      , new delhi
      Reviewed on Sep 24, 2017
    • Axis Bank Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      I have closed the personal loan with the Axis bank and their services are good. I would like to say that the response was fine one with them and they have disbursed the loan amount on immediate basis.
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      , bangalore
      Reviewed on Sep 23, 2017
    • Axis Bank Personal Loan
      "Very god process"
      0.5 5.0/5 "Blown Away!"
      With in one week time axis bank accepted my request and processed the same. As per the rules i have submitted my normal documents ID PROOF ,ADD PROOF, PAY SLIP ONE photo graph . Funds were transferred via NEFT . I am allowed to make prepayment after 6 months
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 23, 2017
    • Axis Bank Personal Loan
      "Service quality not good"
      0.5 1.0/5 "Really Bad"
      The service quality was not good when it comes to AXIS Bank. The bank took around a months time to process the loan. Documentation process was completed on time. It was a problem from the bank side in processing the loan I am very much eager to get this loan from AXIS.
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      , ahmednagar
      Reviewed on Sep 22, 2017
    • Axis Bank Personal Loan
      "Process is fantastic & good payment methods"
      0.5 5.0/5 "Blown Away!"
      I have also taken a personal loan earlier with Axis Bank. It was a excellent process and they have the benefit of a part payment option. This option is very beneficial as I have already closes three quarter of my loan. The interest rate and charges is normal too.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 22, 2017
    • Axis Bank Personal Loan
      "Good prepayment options"
      0.5 5.0/5 "Blown Away!"
      I am allowed to make prepayment with AXIS, once in every 6 months I can make some partial payment that in turn lowered the interest component and it reduced the outstanding amount too there by EMI amount was reduced. Pre payment charges were very much applicable from 5% to 8% .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 22, 2017
    • Axis Bank Personal Loan
      "Fast process and excellent service"
      0.5 5.0/5 "Blown Away!"
      Axis bank is the best bank to bank with. I have taken a personal loan and every day they followed up. The team provided me with the updates and the customer support is excellent. The interest rate and processing charges are also normal. I got the loan within three days.
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      , pune
      Reviewed on Sep 22, 2017
    • Axis Bank Personal Loan
      "It Was Good"
      0.5 4.0/5 "Great!"
      The service and experience i had with AXIS BANK was really good, I had taken this loan 9 months ago . the responsiveness from the bank side is real good i loved the experience . The only thing i did not like was that the EMI amount was quite a very high . it was a nice feeling over all .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 22, 2017
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with AXIS bank. The whole loan process took just 4-5 days and it was hassle free. The rate of interest was 13.49% which is good and they have provided door step services for the documentation collection. The loan amount also got disbursed with committed time and there is no charge for the pre closer .
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      , lucknow
      Reviewed on Sep 21, 2017
    • Axis Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The axis bank has approved my loan within very short time and service is very customer friendly with Axis bank. The rate of interest is nominal with axis bank . They have disbursed my loan within 4days of time. The service is really customer friendly from Axis bank.
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      , panaji
      Reviewed on Sep 21, 2017
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    Axis Bank Gold Loan is Rated as "Excellent!" by 1896 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Axis Bank Gold Loan

    Apply for Personal Loan

    Overview about Axis Bank Gold Loan

    Among the leading providers of loans against gold, Axis bank remains to be one of the most popular. Gold loans, also known as loans against gold, are loans which can be taken against gold (ornaments or jewellery). Gold loans may be used for fulfilling financial needs like a child’s education, down payment for a car or property, medical emergency, business expansion, a vacation with your family, etc.

    Perfect Personal Loan Deals for you

    The Axis Bank Gold Loan is accompanied by a host of attractive features like high loan amounts, quick loan processing, zero fore-closure charges, multiple repayment options to choose from and a chance to earn edge loyalty points. Read on to find out more about the Axis Bank Gold Loan.

    Features of Axis Bank Gold Loan

    • High Loan Amounts – The Axis Bank Gold Loan features high loan amounts so you can take care of any needs. This loan can be availed for a maximum amount as high as 20,00,000.
    • Loan Against Gold Ornaments – The purpose of a gold loan is to allow you to easily avail a loan with the help of the gold which you own. You can avail this loan against gold ornaments which you are in possession of.
    • Quick Loan Disbursal – With Axis Bank, you can your loan disbursed as early as the same day of your application. While loan disbursal is subject to approval by the bank, once it is approved, the loan will be disbursed the very same day.
    • Zero Loan Prepayment Charges – You may easily pre-close your gold loan with Axis Bank without having to pay any pre-payment charges.
    • Multiple Repayment Options - Axis Bank provides loan applicants with multiple options in terms of loan repayment. You may (i) Pay the interest upfront and repay the principal amount of the loan on the maturity date, or (ii) Pay interest on a monthly basis and make the repayment of the principal amount on the maturity date, or (iii) Repay the loan via EMIs or Equated Monthly Installments.
    • Safety of Gold Ornaments – Rest assured that your gold ornaments are completely safe at the Axis Bank vaults.
    • Chance To earn edge loyalty points – You stand a chance to earn up to 150 edge Loyalty points on the disbursement of your gold loan.

    Axis Bank Gold Loan Interest Rates

    Axis Bank currently provides an interest rate between 14.50 % to 17.00 %. On their gold loans. Only simple interest will be calculated on the loan.

    Eligibility criteria for Axis Bank Gold Loan

    Any individual aged between 18 years to 75 years is eligible to apply for an Axis Bank Gold Loan.

    Documentation Required for Axis Bank Gold Loan

    In order to apply for this loan, applicant must submit the following documents:

    • Duly signed and completed Application Form.
    • Proof of identity, residence and signature of the applicant.
    • PAN Card or Form 60.
    • Proof of Age.
    • Post Disbursement Documents (if any)
    • 2 Passport sized photographs

    Axis Bank Gold Loan - Other Fees and Charges

    Loan processing Fee 1% of loan amount
    Loan Fore-closure charges No fore-closure charges
    Valuation Charges Rs 500
    Part payment Charges Nil
    Penal Interest 2% per month on the loan amount overdue.

    Axis Bank Gold Loan FAQs

    1. What is the maximum and minimum amount that I can get under the Axis Bank Gold Loan?

      The maximum and minimum amount which you may avail under the Axis Bank Loan against Rs.25,001 to Rs. 20 lakh respectively. However, the loan amount sanctioned / approved will be done based on factors like the applicant’s requirements, valuation of the gold and the applicant’s repayment capacity. Some of the factors we consider when

    2. What is the duration for which I can get the Axis Bank Gold Loan?

      You may avail a loan against gold for a flexible duration ranging between 6 months to 36 months.

    3. Do I need to have a co-applicant if I wish to apply for the Axis Bank gold loan?

      No, you do not need to have a co-applicant if you want to avail the Axis Bank gold loan.

    4. Is there any fee payable for the Axis Bank Loan against Gold?

      Yes, you will be required to pay loan processing fee (non-refundable) and Valuation fee.

    5. What is likely to happen if the borrower has missed making their loan payments or is unable to make the loan payment?

      For the benefit of their customers, Axis Bank provides timely reminders to borrowers of their loan dues. However, if a customer delays making payment on their loan, the bank will levy late payment charge, which will be will be applicable based on the terms and conditions of the loan.

    6. Can I make partial payments on my loan amount and interest?

      Yes, you may easily make part payments on your loan to lessen your loan burden. You are allowed to make a partial payment of a minimum of Rs. 10,000, for a maximum of 3 times, at any Axis Bank Loan against Gold Branch.

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