Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • Axis Bank Gold Loan is Rated as "Excellent!" by 2080 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
      "Pre approved loan"
      0.5 5.0/5 "Blown Away!"
      From AXIS bank i have taken a personal loan. The approved loan amount was 25000 with a rate of interest of 17%. The rate of interest was on depreciation as we pay the EMI. The monthly EMI is 1600 for 18 months. They have not asked for any documents. With in no time i got the loan amount credited to my accounts and it is my pre-approved loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      i have my personal loan with AXIS Bank 3 years back . The loan amount was 5 lakhs and the interest rate was 11.5% which was satisfactory . The loan process was good and the processing fee was nominal . My experience was good and Its recommendable.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • Axis Bank Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the Axis bank and the online banking services are really a good one for me. Further, I would like to comment AXIS bank has disbursed the loan amount was transferred to my account with in a span of fifteen days of time
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 14, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Axis bank.The loan amount is 1.50 lakhs,rate of interest is very high 18% as compared o other banks.the tenure is for 7 months.I make my EMI amount through an ECS.No processing fees were deducted from the loan amount.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 13, 2017
    • Axis Bank Personal Loan
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      I have personal loan with AXIS, initially they gave me 20% of interest and second time they gave me 18.5%. I have taken Rs. 2.05 lakhs now I paid for two years, but interest rate its should be reduced. Their documentation procedure was good they are crediting the amount on time.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 12, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan for Rs,3,00,000 with Axis bank. They told for the Non residential Indian they cannot approve the personal loan, but I have got the immediate response from the Axis bank executives. The rate of interest and the charges were high when compared with HDFC bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2017
    • Axis Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS bank 6 months back. The loan amount was taken 3 lakhs and the 9interset rate was 13% which was very high than other banks. The tenure period was 3 years. The loan was approved on time and they have sanctioned the loan within the committed time.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • Axis Bank Personal Loan
      "Process is easy. But high on the ROI and charges"
      0.5 4.0/5 "Great!"
      I have taken a personal loan of two lakhs from Axis Bank. Since I am a corporate account customer, the process was very easy. I did not have too much of paper work. The rate of interest was of 18.5% which is very high when compared to the other banks. The processing charges are high too.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • Axis Bank Personal Loan
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Axis bank,they had offered the amount requested is 3 lakhs.Rate of interest is 15.67%.The customer service is not up to the mark as they need to work on it.The loan got credited within 15 days of time.they have deducted processing fees of 8000.
      Was this review helpful? 1
      , jaipur
      Reviewed on Dec 11, 2017
    • Axis Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from Axis bank and it was a good loan experience. The loan amount was for Rs 2 lakhs with the rate of interest of 12% which is nominal when compared to all other banks. The tenure of the loan is 5 years. The process was very quick, it took 10 minutes for the loan amount to get approved. Customer service was good and they followed up correctly.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 09, 2017
    • Axis Bank Personal Loan
      "Looking for better offer"
      0.5 3.0/5 "Satisfactory"
      I took personal loan from AXIS based on the salary account, my principal was around Rs. 1. 4 lakh for the tenure of one year, I felt interest rate was high, they gave me 20.5% of interest for a year. It was huge compared to other bank, because they were offering around 11 to 12% of interest. It would be great if they reduce the interest.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 09, 2017
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The Axis bank has offered me a personal loan , I got the loan around 1 year ago, The customer support is good with the Axis bank. The required loan amount has been disbursed and I am satisfied with it. The rate of interest and the charges are high with this axis bank personal loan services.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 08, 2017
    • Axis Bank Personal Loan
      "OK OK EXPERIENCE"
      0.5 3.0/5 "Satisfactory"
      It was a OK OK experience with AXIS Bank for the personal loan i took . It was not a full approval i got on the loan amount . They charged extra for the fees . The Rate of interest was 14.99% they added . The Processing fee was 13K they charged . Pre closure option is there only after 6 months with no kind of additional charges
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2017
    • Axis Bank Personal Loan
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      i took the loan on credit card and it was a good experience with AXIS Bank . The bank gave me a Full approval on the amount i asked for . The money got disbursed within 4 hours of time . The Rate of interest was 14.5% they charged . There was no processing fee charged on the loan . Over all it was a good experience with AXIS Bank for the loan on card process .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 08, 2017
    • Axis Bank Personal Loan
      "High rate of interest"
      0.5 2.0/5 "Expected more"
      I have taken a personal loan from AXIS bank and the rate of interest was 18%. After one year i have closed this loan. The processing fee was 2.5% of the principal amount. For pre closure also they took 700 rupees. Their was too much of documentation process.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2017
    • Axis Bank Personal Loan
      "The best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with AXIS Bank 11 months back. The loan amount was 60,000 and the interest rate was 11% which was satisfactory . The customer service and responses was up to the mark. The tenure period was 24 months here . The loan amount was very easy here. M overall experience was very good and Its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 04, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      My personal loan experience with Axis bank was good overall, the loan amount was for Rs 2 lakhs with the rate of interest of 15.5% which is very high when compared to other banks.Customer service was good, they provided door step service for the collection of documents. The process was smooth and my loan amount was approved within 2 weeks. The rate of interest was high because the company was not listed.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 02, 2017
    • Axis Bank Personal Loan
      "OK OK EXPERIENCE"
      0.5 2.0/5 "Expected more"
      It was a OK OK kind of customer service i received form the AXIS Bank as a took a personal loan . the bank gave me a full approval on the amount i asked for and the rate of interest was 10.55% and the money got disbursed in a months time and the bank provided me pre closure option with no additional charges .the processing fee was charged as 0.25% and there were no extra charges for any other thing .it was OK OK experience but it could have been more better .
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 02, 2017
    • Axis Bank Personal Loan
      "Interest is low"
      0.5 5.0/5 "Blown Away!"
      I always felt Personal Loan with Axis Bank is quite a good option to take. They gave me Rs.3 Lakhs as a Personal Loan to me and the whole process was quite short. They offered me a Interest Rate of 10.99%, which I felt is one of the best in the market.
      Was this review helpful? 3
      , faridabad
      Reviewed on Dec 01, 2017
    • Axis Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      It was a good experience with the axis bank as i took a personal loan from that bank .its been 2 months now that i am paying the emi of the loan .the bank gave me a Full approval on the amount i asked for . the amount got Disbursed in 15 working days .the Rate of interest was 13% and the processing fee was charged as 1% . the option of Pre closure was there but only after 6 months time only .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 01, 2017
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