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  • Axis Bank Gold Loan is Rated as "Excellent!" by 2140 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"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the Axis bank and the rate of interest is around 10%. I would like to say that the customer service is an excellent one for me with them till now. Services and other aspects are good one with the Axis bank for the personal loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2018
    • Axis Bank Personal Loan
      "Good Foreclosure option"
      0.5 3.0/5 "Satisfactory"
      I have personal loan with axis, I am yet to close it. I have to pay monthly EMI around Rs. 5000 I do have other commitment. Hence though I close the loan but there is no preclosure charges. I took amt of Rs. 1 lakh I paid around Rs. 58,000 remaining I can pay any time and close it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Axis Bank Personal Loan
      "Average Personal Loan service"
      0.5 3.0/5 "Satisfactory"
      AXIS Bank I have taken Personal Loan with the expected Rate Of Interest and the Loan amount which I have been expected was given,approved on time ,the customer service is good clearly informed about the loan details fully when to pay the amount compared to other banks the rate of interest in affordable,no issues with the amount which is debited from the account only draw back is On line service for axis bank is not up to the level since for the payment we have to get it touch with the main branch of this bank that is the only inconvenience Rather than that Axis bank service is good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 20, 2018
    • Axis Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      I have also taken my personal loan from Axis bank. It was also convenient process and I got the loan on time. The customer services are good and there were no issues in getting the funds. The interest rate and processing charges are on the higher side. The after loan services are also good and comfortable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2018
    • Axis Bank Personal Loan
      "Looking for better interest"
      0.5 5.0/5 "Blown Away!"
      Almost I paid all my AXIS personal loan due, they charged me 18% of interest it was high. Though I am existing customer of the bank they didn't reduce the interest. As per their norms they have charged the interest. I took the loan amount of Rs. 1.20 lakh for the tenure of 4 years.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • Axis Bank Personal Loan
      "Good Loan"
      0.5 4.0/5 "Great!"
      When in need of a Personal Loan, The Axis Bank were readily there to pitch in with the offer. They gave me the Loan immediately. Their interest rate is alright. The repayment happened easily without much fuss about it. The overall experience with it has been good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 16, 2018
    • Axis Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from axis bank, they offered 90000 and I am satisfied with loan amount. They have charged 10.5% interest rate for my loan . I took a loan for the period of 24 months, I pay an EMI of 4000 every month.They had disbursed the loan amount to me with a resonable time.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2018
    • Axis Bank Personal Loan
      "Its Better"
      0.5 3.0/5 "Satisfactory"
      One year back I availed personal loan from SBI with the interest rate of 17%, due to an emergency I took this loan. But the process was good within a week they have disbursed the amount. Still my loan is running with AXIS, but my salary credits on 7th of every month but m due date on 5th. I have been requesting to change this due date, they taking some time.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 15, 2018
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan with Axis bank,the loan amount is 3.60 lakhs,rate of interest is 10.99% is very low as compared to others,the tenure is for 60 months.They had deducted a processing fees of .99%the EMI is active as its taken 5 months ago.The payment is registered of an auto debit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 15, 2018
    • Axis Bank Personal Loan
      "They should transparent and should follow up the commitment"
      0.5 1.0/5 "Really Bad"
      I took Personal loan from AXIS, I went to branch two to three time for loan procedure. Even for the foreclosure I have paid some interest rate it was not as per their commitment. AXIS phone banking service is not upto the mark, they should help on loan queries.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The personal loan service was good with the AXIS BANK. They have disbursed the loan amount within 15 days of time. The documentation process was done in a professional way. The required loan amount has been given and I am satisfied with it. The rate of interest is high with the AXIS BANK when compared with others.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 14, 2018
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service is good with Axis personal loan department. The rate of interest and charges is nominal with Axis. Response is good with Axis and they make the process fast on time. It is totally a happy experience with Axis personal loan department.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 14, 2018
    • Axis Bank Personal Loan
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      AXIS processed my personal loan very quickly, I got loan amount on time. But I was expected lower rate but t hey quoted above exception finally it was okay for me. The documentation process was very convenient and they done fast disbursal on loan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 12, 2018
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have applied for a personal loan from axis bank and I never got any response from the Axis bank in regards to my personal loan application but they have rejected my personal loan application saying that lack of documentation issues, so that was the reason I haven't got the personal loan from the axis bank.
      Was this review helpful? 0
      , gorakhpur
      Reviewed on Feb 12, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My Personal loan experience with Axis bank was very good, the loan amount was for Rs 15 lakhs with the rate of interest of 10.99% which is nominal when compared to other banks. The process was very smooth and i received my loan amount on time. The tenure of this loan is 5 years and i am happy with the customer service and their response.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 12, 2018
    • Axis Bank Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan from Axis Bank. The process was completed within four to five days and I got the funds on time. The rate of interest was around 13% and the processing fee was around 1 or 2 % The customer services and response is good overall.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 08, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have got the required loan amount from the Axis bank. I have got the personal loan around 2 years ago from the axis bank. The rate of interest and the charges are average with the axis bank. I am satisfied with the axis bank personal loan service.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Feb 08, 2018
    • Axis Bank Personal Loan
      "ROI is high"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Axis Bank. The process was good as I applied online for it and within three days the amount got credited in my account. The rate of interest is very high. It is around 20% and the processing charges are also high as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 08, 2018
    • Axis Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      AXIS I Have chosen the PERSONAL LOAN where the interest rate Is not up to the level, My expectation Is something different from they provided Me If the tenured Interest amount can be little high .Overall all the Axis bank service is good to use throughout .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 07, 2018
    • Axis Bank Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      Rate of interest was on higher end with the Axis bank for my personal loan and the customer service was okay one for me with them and the response was fine one with the Axis bank. I would like to suggest that they could reduce the rate of interest.
      Was this review helpful? 0
      , surat
      Reviewed on Feb 06, 2018
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