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

    • Axis Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      I had a personal loan experience with Axis bank for past 4 years ago. They took around 15 days to disburse my personal loan . The rate of interest is nominal with axis bank. Overall I am happy with the loan amount. The service with axis bank is average.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • Axis Bank Personal Loan
      "Good service with better executives"
      0.5 4.0/5 "Great!"
      When I have applied for personal loan with axis bank, I got a prompt response with axis bank and there executive made a call and spoke about the product briefly. They came to my place to collect the documents . After the documentation the loan is on process right now. Overall axis bank gave me a satisfied service. The executives are really helpful and supportive with Axis bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Axis Bank Personal Loan
      "High ROI & charges"
      0.5 4.0/5 "Great!"
      My earlier experience with Axis Bank for a personal loan was really good. I wanted them to close this loan as the bank is very high on the interest rate and charges. They offered me a rate of around 24% which is extremely high when compared with other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      Interest rate is 13% for the personal loan with Axis bank. I had taken this loan quite long back. The process went good without any constrains. The bank executive was so cooperative to process my loan. Their customer service is excellent as well.
      Was this review helpful? 0
      , pune
      Reviewed on May 17, 2017
    • Axis Bank Personal Loan
      "Satisfied service"
      0.5 4.0/5 "Great!"
      The axis bank customer service gave good response and follow up in concern to my car loan. The process went in a good way and the documentation process done in a processed way , The Axis bank executive came to my place and collected my documents. The rate of interest is nominal comparatively. Finally I can say it was a good service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 17, 2017
    • Axis Bank Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      Three years ago, I availed loan from Axis bank which is personal loan. I did not receive proper communication from the bank on EMI amount, date and calculations. Also they offered very high interest rate, I believe it is 14 or 17% but higher than other banks. I am disappointed on the loan service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2017
    • Axis Bank Personal Loan
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      I have salary account with AXIS bank, hence they have provided pre approved loan. But AXIS rate of interest is higher than ICICI. My loan amount was Rs.1 lakhs with tenure of 18 months, still it is running. As of now I didn't face any issue with them.
      Was this review helpful? 0
      , murshidabad
      Reviewed on May 12, 2017
    • Axis Bank Personal Loan
      "Charges should be competitive"
      0.5 3.5/5 "Pretty good"
      AXIS loan process is much faster than Standard chartered, documentation process was also very quick. But AXIS charged a high processing fee and interest rate for the personal loan. I had taken the loan amount around 5.5 lakhs before two years. But there is no preclosure option and they should enable it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 12, 2017
    • Axis Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I had taken the personal loan during the year 2016, AXIS charged the interest rate around 13% which is the best, Bank completed the loan process on time. I had taken the loan of Rs.4 lakhs, AXIS have given the part payment or preclosure without any charges, I could close my loan at any time.
      Was this review helpful? 1
      , gurgaon
      Reviewed on May 11, 2017
    • Axis Bank Personal Loan
      "Excellent"
      0.5 4.5/5 "Excellent!"
      I am having the personal loan with the Axis bank and the interest rate is bit a high when compared with others.The loan amount got disbursed within five days of time The rate of interest was 16.2% The processing charges was 2500 and EMI is around 2482 and it is for 60 months
      Was this review helpful? 2
      , hyderabad
      Reviewed on May 07, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I had applied for a personal loan with Axis bank. They contacted me on time and provided all the information regarding personal loan. Also they informed me about the required documents which is very simple and supported me a lot in processing my loan application.
      Was this review helpful? 0
      , pune
      Reviewed on May 06, 2017
    • Axis Bank Personal Loan
      "Smooth Process"
      0.5 4.0/5 "Great!"
      It got close long back, I took the personal loan with AXIS On 2011. The amount which I had taken was Rs.2 lakhs with an interest rate of 13.5% and they had taken some processing fee it was nominal. I paid the complete tenure and I had closed my loan with AXIS.
      Was this review helpful? 3
      , kolkata
      Reviewed on May 05, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 1.0/5 "Really Bad"
      I have had taken a personal loan with AXIS before 3 months. Interest rate charged by AXIS bank is way too high. The time scales taken to complete the task was 7 days. I pay for this loan through ECS mode. Also, I am very much happy with the customer service provided by AXIS.
      Was this review helpful? 2
      , bankura
      Reviewed on May 04, 2017
    • Axis Bank Personal Loan
      "Best Loan Process in AXIS"
      0.5 5.0/5 "Blown Away!"
      Axis personal loan service was very convenient, I have top up my existing loan with the same rate of interest of 15.5% it was nominal and there was no preclosure charges but they have charged extra processing fee of Rs.2000 , I am looking out for a refund from them besides that everything else is fine.
      Was this review helpful? 0
      , pollachi
      Reviewed on May 04, 2017
    • Axis Bank Personal Loan
      "Nice experience"
      0.5 4.0/5 "Great!"
      The process for the personal loan is good at Axis Bank as I got the loan with ease. The documents was collected at the said time and the verification and disbursement was also done on time. They are on the higher side on the interest rate and processing charges.
      Was this review helpful? 1
      , giridih
      Reviewed on May 03, 2017
    • Axis Bank Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      I got the personal loan with the Axis bank for an interest rate is around 20% and the response is also good one with them. Amount got credited to my account within fifteen days of time and they have deducted some nominal amount from principal as processing charge.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 02, 2017
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied for a personal loan at Axis Bank they have their own rules They were basically very quick and the verification procedure was not too long I took a personal loan of Rs.1.5 Lakhs in 2016 I got a rate of 13.5% and the charges was normal.1.5% EMI is 5200 for 3 years after applying with in 10 days of time loan amount got disbursed.
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 28, 2017
    • Axis Bank Personal Loan
      "Very Good service"
      0.5 4.0/5 "Great!"
      Axis response was very good and their follow up was also very helpful. The rate of interest gave was nominal with Axis, I got the loan for 9% of interest rates, Which is nominal. Axis took around 20days to disburse my car loan. The documentation process was also good with axis bank.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 28, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Last Nov'16 I had taken a personal loan from Axis bank. Interest rate is 17.8% which is normal like other banks. They had done with the loan process on time and they disbursed it, the entire time taken for the loan process is one week. Documentation part was so simple and their executives have come and collected.
      Was this review helpful? 0
      , erode
      Reviewed on Apr 27, 2017
    • Axis Bank Personal Loan
      "Needs Improvement"
      0.5 5.0/5 "Blown Away!"
      Axis bank has approved my personal loan about 2 years ago. They took around one week of time to disburse my loan. The interest rates and other charges are very high with axis. It would be great if axis bank decrease the interest rates and the other charges for the existing customers. I got this loan with the tenure of 4 years. They can increase the loan amount based on the customer profile. There documentation process need to be improved a lot with existing customer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 27, 2017
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    Axis Bank Gold Loan is Rated as "Excellent!" by 1732 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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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