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    • Axis Bank Gold Loan is Rated as "Excellent!" by 2282 Users

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    Axis Bank Gold Loan

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    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.

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    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.

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    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
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    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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    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

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    Axis Bank Gold Loan Reviews

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    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan with Axis bank and the process to get the loan was smooth and easy. They contacted me on time and provided the loan on time as well. The interest rate and processing charges is normal. In all there has been no issues till date.
      Was this review helpful? 3

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      , vadodara
      Reviewed on Sep 18, 2018
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS BANK 6 months back. The loan amount was 2 lakhs and the interest rate was very high . The rate of interest was 11.5%which is satisfactory .I am completely happy with the service here since there is no inconvenience faced at all. They have sanctioned the loan with in 3 days.
      Was this review helpful? 2

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      , chennai
      Reviewed on Sep 18, 2018
    • Axis Bank Personal Loan
      "Not so prompt customer service"
      0.5 3.0/5 "Satisfactory"
      I had taken an instant personal load of rupee 25000 for 9 months. I got an app notification for this pre-approved instant loan and I applied. All installments were auto debited but load didn't close. I called the Customer care multiple times to close the account but irresponsive.
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      , bangalore
      Reviewed on Sep 17, 2018
    • Axis Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been a very good experience i had with this loan and the loan amount which they had provided also had been good as well, but the interest rate had been on the higher end when compared with the market rate. Their customer support also had been responsive as well and there has not been any hassle faced with them so far.
      Was this review helpful? 2

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      , new delhi
      Reviewed on Sep 17, 2018
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Axis Bank has given me the benefit for a personal loan. The customer services and response is good. The rate of interest is of 11% and there were no processing charges as well. The after loan services is also good and it has been a hassle free process.
      Was this review helpful? 4

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      , mumbai
      Reviewed on Sep 15, 2018
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS BANK 1 year back. He loan amount was 2.8 lakhs and the interest rate was satisfactory . The tenure period was 3 years. The customer service and responses satisfactory . There is no inconvenience faced .The loan amount was approved on time.
      Was this review helpful? 1

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      , hyderabad
      Reviewed on Sep 15, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges"
      0.5 4.0/5 "Great!"
      It was a good experience with AXIS bank for personal loan, the loan amount was for Rs 2.40 lacs with high interest rate when compared to other banks. Customer service was good and they responded on time. The tenure period for this loan is 4 years and they charge 2% of the principal amount for preclosure.
      Was this review helpful? 4

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      , lucknow
      Reviewed on Sep 08, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges"
      0.5 4.0/5 "Great!"
      It was a good experience with AXIS bank for personal loan, the loan amount was for Rs 2.40 lacs with high interest rate when compared to other banks. Customer service was good and they responded on time. The tenure period for this loan is 4 years and they charge 2% of the principal amount for preclosure.
      Was this review helpful? 3

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      , lucknow
      Reviewed on Sep 08, 2018
    • Axis Bank Personal Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan through AXIS BANK , they provide 14% rate of interest and it is nominal in the market . There is no hidden charges taken with this bank .I use to pay 4757 as EMI and tenure period is 5year . The processing fee is 2000 and they gave preclosere option is there .
      Was this review helpful? 2

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      , gurgaon
      Reviewed on Sep 07, 2018
    • Axis Bank Personal Loan
      "Super fast service"
      0.5 4.0/5 "Great!"
      I've taken a personal loan from the Axis bank,The experience was superb, they were very fast. The interest rate was very high. The loan is still running and I am impressed with their fast services, It was a hassle free personal loan experience with the ICICI bank.
      Was this review helpful? 3

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      , guntur
      Reviewed on Aug 31, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan with AXIS bank and my loan experience was good, the loan amount was for Rs 2 lacs with little high interest rate when compared to others. Part payment is allowed for this loan but they charge 2.8%-3%. Customer service was good and they responded on time.
      Was this review helpful? 2

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      , coimbatore
      Reviewed on Aug 30, 2018
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 5.0/5 "Blown Away!"
      I have taken AXIS BANK personal loan , my loan experience was good with this bank . The customer support services and their follow up is satisfactory . They provide me with 200000 of loan amount . There is no hidden charges . They have charge 1.8% of processing fee and even there is preclosere option . I am not happy with rate of interest it is 14.5% and its too high .
      Was this review helpful? 1

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      , gurgaon
      Reviewed on Aug 30, 2018
    • Axis Bank Personal Loan
      "Better loan"
      0.5 4.0/5 "Great!"
      Rate of interest they have given is 14%, i am ok with it, its been two years i have taken this loan, it will get auto debited from my salary account customer service everything is good with them, that also will get auto debited from the application itself, processing and all is fine.
      Was this review helpful? 1

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      , hyderabad
      Reviewed on Aug 29, 2018
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've taken a personal loan form the AXIS bank for 2 lacs. The experience was good, I got the loan amount with in 1 week and the interest rate was 13%. It was a smooth experience in taking a personal loan form the AXIS bank.
      Was this review helpful? 2

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      , chennai
      Reviewed on Aug 29, 2018
    • Axis Bank Personal Loan
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Axis Bank is good in the personal loan too. They provided the loan without any issues. The customer services and response is good and there are no hassles in the documentation. The interest rate and charges is normal too. The after loan services is fine.
      Was this review helpful? 0

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      , navi mumbai
      Reviewed on Aug 29, 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 lacs with nominal interest rate when compared to other banks. There are no additional charges for preclosure. Customer service was good with AXIS bank and the tenure period is 3 years.
      Was this review helpful? 1

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      , bangalore
      Reviewed on Aug 27, 2018
    • Axis Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan with Axis Bank and I wanted to close the same. I could not do it online and I was asked to visit the bank which is quite a hassle. These are all small things which can be done online. It has not been a good experience with the loan.
      Was this review helpful? 4

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      , new delhi
      Reviewed on Aug 27, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      In axis bank also i have taken personal loan for three years tenure, the documentation and processing was smooth as i also have relationship with this bank for past ten years, in this loan the rate of interest is little high when compared with tata capital, it will get auto debited from my savings account.
      Was this review helpful? 1

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      , bangalore
      Reviewed on Aug 23, 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 4 lakhs with nominal interest rate when compared to other banks. The tenure period for this loan is 4 years and there are no preclosure charges.
      Was this review helpful? 4

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      , bangalore
      Reviewed on Aug 17, 2018
    • Axis Bank Personal Loan
      "average"
      0.5 3.0/5 "Satisfactory"
      I have taken personal loan with AXIS BANK . I am not happy with customer service because they misguide me initially they said low rate of interest but later they charged 14% . There is no hidden charges. I use to pay EMI on time and tenure period is 4years. Processing fee is 2500 and it is nominal. My loan amount is up to the mark .
      Was this review helpful? 2

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      , lucknow
      Reviewed on Aug 16, 2018
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