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  • Axis Bank Gold Loan is Rated as "Excellent!" by 2035 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
      "Excellent experience with a good interest rate."
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Axis bank and i can say that i am very happy with them as they had given me the loan with a 10% rate of interest even when i do not have an account with them. The process was also a smooth one and the services were good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 24, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Axis bank few years back. It was a good loan experience for me. The process was very smooth and easy, the loan amount was approved within the stipulated time. Customer service was good and they responded on time, follow up was done correctly. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , ernakulam
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "Need some transparency on the loan process"
      0.5 3.0/5 "Satisfactory"
      I have requested the tenure of two years for the personal loan, but axis bank have sanctioned the loan for the tenure of five years. Hence I am not happy with their loan period, even interest rate is higher they gave 10.99% but other banks are offfering 10.5% of interest, it has to be reduced.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was a personal loan I have taken with axis the customer service was very good they offered me a interest rate of 18.5 which was high compare to other banks in the market the customer service was fine and the documents part was easy they collected all my documents from my door step it was a average service from axis for my personal loan service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Through my axis credit card I got a personal loan offer from axis the documents part was easy they dont needed with much documents as I already have credit card with axis the verification part was easy and the interest rate and charges was fine it was a good experience with axis credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My salary account is maintained with Axis Bank and I had taken several loans with them. I had taken a personal loan 2 years back. They provided a 3 lakh rupees. It is a duration of 5 years. I don't find any difficulties. The payment option is convenient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Axis Bank and the process is good. They were quick in the process and the documents was taken on time. I am also comfortable with the interest rate and charges and the after loan services are also good and smooth.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • Axis Bank Personal Loan
      "Good"
      0.5 3.5/5 "Pretty good"
      My personal loan was taken with AXIS bank few months ago. The loan amount was 1 ,70,000 and the interest rate was 18.5% which was very high than other banks. The tenure period is 5 years and the pre closure is after 1 year. The customer service and responses was up to the mark.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was been a very good experience with axis bank for my personal loan service the interest rate they offered me was 10.5% its fine when compared to others in the market the documents have been collected from my door step the customer service was prompt it was a excellent service that I received from axis for my personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • Axis Bank Personal Loan
      "Personal loan with AXIS"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with AXIS. Within 3 to 5 working days i got my loan approved. The approved loan amount was 2 lakhs with a rate of interest of 14.5%. Including the processing fees and insurance they have taken 9000 rupees from loan amount. The monthly EMI is 6756 for 3 years. Partial payment and pre closure with out any interest.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It was been 1.5 months I have taken the personal loan service from axis the interest rate was 11.12 was fine compare to others in the market,the customer service was good the service have been taken through online the payments where also payed though online the loan amount they offered me was 4.5 lakhs it was good experience with AXIS for my personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      They will deduced 8550 every month,the interest rate they offered me was fine, when compared to others in the market the customer service was fine the documentation process was easy they visit the door step and collected it, past 1year taken the service ,I have to followups from my end always the communication problem was there with AXIS also loan amount have been delayed they miscalculated the amount still the service was fine with AXIS for my personal loan service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • Axis Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      I have applied personal loan with Axis bank around a year ago. The customer support haven't gave any response in regards to my personal loan application. The customer support need to be improved with Axis bank. They never sent any person to collect the documents.They need to give proper response to the Axis bank customer customers.,
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • Axis Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal experience with Axis bank was good, the loan process was very smooth and the loan amount was approved within 2 days. The loan amount was for Rs 3.5 lakhs with the rate of interest of 13.25% which is best rate in the market. Customer service was good and they responded on time. I have submitted all my documents directly to the bank.
      Was this review helpful? 0
      , bhuj
      Reviewed on Nov 20, 2017
    • Axis Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan with Axis bank. I applied this loan by around May 2016 and it's still running. They collected the documents by next day and within a week my personal loan got approved and disbursed my funds after my documents submission. They offered me the loan with 13.5% as rate of interest and there was some processing fees.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 20, 2017
    • Axis Bank Personal Loan
      "Moduled and prompt service "
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from AXIS bank. The approved loan amount was 3 lakhs. The approved rate of interest was 14.99% and it is floating. I can close the loan at any time with no fore closure charges. The monthly EMI is 7000 with a tenure of 5 years with 0.5% of the principal amount as processing fee.
      Was this review helpful? 0
      , patna
      Reviewed on Nov 18, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had availed a personal loan with Axis bank. It is a good service actually this year the personal loan is going to be over and I thought of getting the personal loan again from Axis bank itself but there was a balance of Rs. 13000 left so I had to take it in ICICI bank and RATNAKAR BANK. It is a good service overall.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 18, 2017
    • Axis Bank Personal Loan
      "Interest rate to be reduced"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with Axis Bank by last year. They offered me 1.10L, I pay monthly premium of 3260 rupees through ECS. They provided a proper service and disbursement was also on time. The rate of interest is very high. They provided a doorstep service for documentation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • Axis Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I am planning to take a personal loan from Axis bank after 2 months, i find Axis bank is more convenient to me so that is the reason i am applying from Axis bank. I have availed the customer service from Axis bank and it is good, their response is quick. The loan amount is for Rs 10 lakhs with the rate of interest of 10.99% which is the best rate in the market.
      Was this review helpful? 0
      , tirupati
      Reviewed on Nov 17, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan from Axis bank around TWO years ago. The customer support is good with the axis bank. I got the loan amount within a week time from axis bank. The required loan amount has been disbursed and I am satisfied with it. I would say I got good service from Axis bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2017
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