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  • Axis Bank Gold Loan is Rated as "Excellent!" by 2250 Users

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    Axis Bank Gold Loan

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    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.

    Axis Bank Gold Loan Reviews

    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from Axis bank its instant approved loan through their mobile application. . Am satisfied with the rate of interest which they have provided . There is processing fees for the loan which is nominal one. I make the payments through Ecs every month . They gave the tenure period of 2 years . They did quick documentation and received the loan.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 17, 2018
    • Axis Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS Bank 6 months back. The loan amount was lakhs and the interest rate was very high but the service was amazing . The tenure period was 36 months. I had a very hassle free process and smooth documentation.There is no processing fee and the pre closure is allowed after 6 months.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 13, 2018
    • Axis Bank Personal Loan
      "Easy to take loan from Axis"
      0.5 5.0/5 "Blown Away!"
      I have taken this personal loan 3 months back. I have applied the loan amount of Rs. 2.5 lakhs and they have sanctioned the same. They have credit the money after deduction of GST, Processing fee and insurance. They have offered me a interest rate of 14% and processing fee of 2%. I have received my loan on time. I'm paying the EMI of Rs. 8950.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 12, 2018
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan with AXIS bank and my experience was good, the loan amount was for Rs 2 lakhs with nominal interest rate when compared to other banks. Processing fees were nominal and the customer service was good. The tenure for this loan is 5 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2018
    • Axis Bank Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS bank 1 year back. The loan amount was 2 lakhs and the interest rate was bit high . The EMI period was 3 years . I had a good and hassle free process. The documentation was very simple and the processing fee was 2%. There is no delay in sanctioning the loan here.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 11, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have take personal loan from the axis bank which they approved in 7-8 day and the amount is reflected in next day ,its instant approve process. As am not satisfied with the rate of interest which is quiet high. They provided the tenure period of 3 years and i make the payment monthly though ECS. There are processing fees which is on the higher side.
      Was this review helpful? 1
      , greater noida
      Reviewed on Jul 10, 2018
    • Axis Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I had taken this loan a very long time back and it had been closed in the year of 2016, the process in getting the loan had been good and the loan amount which they had provided had been satisfactory. The interest rate with them also had been good, but during the time of closing the loan there has been some delay made from their side.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 07, 2018
    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting the loan had been very good and the staff responses had been very good. The interest rate with them had been less when compared with the other banks in the market. The loan amount which they had provided also had been good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 07, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with AXIS bank and my loan experience was good, the loan amount was for Rs 10 lakhs with nominal interest rate when compared to others. Customer service was good and they followed up on time. The tenure for this loan is for 5 years.
      Was this review helpful? 0
      , ratlam
      Reviewed on Jul 06, 2018
    • Axis Bank Personal Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with AXIS Bank 2 months back. The loan amount was 3 lakhs and the interest rate was satisfactory and the tenure period was 5 years. The customer service and responses was very quick. The documentation was also very smooth.The processing fee was also nominal.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 05, 2018
    • Axis Bank Personal Loan
      "Very good"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with AXIS Bank 2 months back. The loan amount was 3 lakhs and the interest rate was satisfactory and the tenure period was 5 years. The customer service and responses was very quick. The documentation was also very smooth.The processing fee was also nominal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 04, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have take personal loan from the Axis bank which they approved in 10 day and the amount is reflected in next day ,its instant approve process. As am satisfied with the rate of interest which is nominal one . They provided the tenure period of 5 year and i make the payment monthly though ECS. There is nominal processing fees also,
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 03, 2018
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Got my personal form Axis bank , as the rate of interest is High. Paying the payments through Ecs . Got approved in just 10-15 days as instant approval process there is processing fees for the personal loan with tenure period of 5 years . Their customer service and response is good regarding personal loan.
      Was this review helpful? 0
      , satna
      Reviewed on Jul 03, 2018
    • Axis Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was good with AXIS bank, the loan amount was for Rs 2 lakhs with nominal interest rate when compared to other banks. Documents were collected on time and the customer service was good. The tenure for this loan is for 1 year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 01, 2018
    • Axis Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      I had applied this loan for my home renovation but they had rejected it due to the credit score which i had. Their customer support has been okay but they did not explain me the exact reason for the rejection. It would have been good if they have informed the reason so that we can improve it in the future.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 29, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with AXIS bank, the loan amount was for Rs 1.20 lakhs with high interest rate of 16%. The process was smooth and i received my loan amount on time. Customer service was good with AXIS bank and the tenure period for this loan is 3 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 29, 2018
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I took a personal loan for 2.8 lacs from the Axis bank. The interest rate was high. The tenure of 5 years. I am paying 7418 Month.The EMI gets auto debited from the account. Overall it has been a very good process of taking a personal loan from the HDFC bank.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2018
    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The experience i had while taking this loan has been very good. The loan amount which they had provided had been very good and the process in getting the loan has been good and there has not been any issues faced. But the interest rate with them had been a little high compared with the market rate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2018
    • Axis Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was good with AXIS bank, the loan amount was for Rs 1 lakh with nominal interest rate when compared to all other banks. Customer service was good and they followed up on time. The tenure period for this loan is for 3 years.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 25, 2018
    • Axis Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have used the personal loan from the AXIS BANK. From last one year that i am using the loan. The rate of interest is 11.25% that i am having in my personal loan and it is the normal interest rate. Apart from that i done the documentation i have done it through the doorsteps.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 24, 2018
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