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

    • Axis Bank Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      I have a credit with Axis bank, so based on the credit card they have offered me a personal loan . The required loan amount has been disbursed by axis. Axis bank took around 7 days to disburse my loan. The customer service and the response is good with axis bank. I am satisfied with the axis bank service.
      Was this review helpful? 0
      , sonepat
      Reviewed on Jul 18, 2017
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The axis bank personal loan process went smooth, They gave a call and asked me about my requirement then they have checked my eligibility and they have asked for my documents process the loan. Within 2 to 3 days they have approved my loan and in the same week itself my loan got disbursed and they have sent me the loan kit after 15 days of time. The rate of interest is as per the market standards and I am happy about it. They have offered me the loan with the zero % fore closure charges and zero part payment charges as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2017
    • Axis Bank Personal Loan
      "Extremely High on ROI & charges"
      0.5 3.0/5 "Satisfactory"
      I had taken a personal loan from Axis Bank on two occasions. I received the loan on time as they contacted me and processed my details. Being an existing customer, I was not given any good deals on the interest rate and charges. So I foreclosed the loan in two years. My tenure was for a period of 4 years.
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      , chennai
      Reviewed on Jul 13, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      Before 2 years , I had taken the personal loan from Axis bank. At that time the interest rate was around 16% which is little high, but they had sanctioned the loan on time. Now I want to take topup from Axis for which they said the interest rate would be 10.99% - 11.55%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • Axis Bank Personal Loan
      "Better Service"
      0.5 4.5/5 "Excellent!"
      I had applied for the personal loan with Axis bank. It has been one month but still I am waiting for them to complete the process. Axis is the bank where I maintain my savings and salary account but I do not why they are delaying much. I had submitted my application at Trichy branch. It would have been better, if they would have completed the work on time.
      Was this review helpful? 1
      , erode
      Reviewed on Jul 11, 2017
    • Axis Bank Personal Loan
      "Instant loan "
      0.5 4.0/5 "Great!"
      I would say the personal loan process with axis bank was quick and fast. They have disbursed the loan within 3 to 4 days. The customer service and the response is also very good with them. The required loan amount has been disbursed and I am satisfied with the loan amount. The rate of interest is average when compared with others. It has the advantage of part payment option but there are no fore closure charges too.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 11, 2017
    • Axis Bank Personal Loan
      "Very Good service"
      0.5 4.0/5 "Great!"
      Axis bank has approved My personal loan as I hold a salaried account with Axis. The customer service and the response was good with Axis bank. They have disbursed my personal loan within 8 to 10 days. The rate of interest is nominal with axis bank. The required loan amount has been given and I am satisfied with the loan amount.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 11, 2017
    • Axis Bank Personal Loan
      "Very Good service"
      0.5 4.0/5 "Great!"
      The whole personal loan process took 5 to 6 days of time. Within 2 days they have approved the loan then within next 2 days they have verified and disbursed the loan. The rate of interest is nominal when compared with other banks. The customer service and the response was pretty good with axis. The required loan amount has been sanctioned and I am happy about it. I am satisfied with the axis bank service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 11, 2017
    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Without any obstacles my personal loan was processed with AXIS bank. It took three working days for the personal loan to get disbursed with AXIS Bank. As I am very much comfortable with the bank I would also suggest their services to others they have offered rate of interest of 12.99%.
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      , vapi
      Reviewed on Jul 10, 2017
    • Axis Bank Personal Loan
      "Interest rate is high"
      0.5 4.0/5 "Great!"
      The rate of interest for the personal loan is around 13.49% with Axis bank. I availed the loan service but the interest rate is little bit higher with Axis when compared with other banks. Their customer service and their responses are pretty much good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 07, 2017
    • Axis Bank Personal Loan
      "Interest rate should be flexible"
      0.5 3.5/5 "Pretty good"
      Axis charging high interest of 18% on personal loan but Hdfc providing only 11% of interest. But Axis is good in notification they giving proper alerts to the customer. I have taken the loan of Rs. 1.5 lakhs with the EMI of Rs.3650 for tenure of five years.
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      , madurai
      Reviewed on Jul 06, 2017
    • Axis Bank Personal Loan
      "Awesome Service"
      0.5 5.0/5 "Blown Away!"
      I applied for a loan and it was a very smooth process and got the money in just 1 day post receiving the message from Axis Bank of loan disbursal. Amazing experience. Cheers to Axis Bank! The interest rate is 10.99% plus this loan is insured i.e. if there is any mis-happening my family will not be liable to pay the loan back.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jul 06, 2017
    • Axis Bank Personal Loan
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      I just got only 1 call in concern to my personal loan application with axis bank. They haven't gave proper response to my loan application. The rate of interest and the other charges are really high when compared with others and they haven't even informed me about the interest rate. The customer service and the response need to be improved with axis bank. I am happy about the loan amount. The service need improvement with Axis bank.
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      , new delhi
      Reviewed on Jul 05, 2017
    • Axis Bank Personal Loan
      "Personal Loan "
      0.5 0.5/5 "Unacceptable"
      The Axis bank personnel did not process the loan immediately because they claimed the passport copy provided was not good enough. However, they confirmed that the loan was approved after 4 days when I wanted to cancel the loan application. This time they approved it without me submitting a new scan of the passport copy. So I did not understand why they claimed earlier that the passport copy wasn't good enough. Also they refused to confirm in an email that I wanted to cancel the loan. I am worried since I have given all the confidential documents and the approved loan should not be misused.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 05, 2017
    • Axis Bank Personal Loan
      "Best offer with worst customer service"
      0.5 3.0/5 "Satisfactory"
      I took personal loan from AXIS through third party agency, they taken some charges. Initially they offered me some interest rate during the loan process they increase the interest and also they charged higher processing fee. They didn't give clear information about the charges. Customer response should be improved but interm of offer AXIS is best in the market.
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      , bangalore
      Reviewed on Jul 04, 2017
    • Axis Bank Personal Loan
      "Not Approachable"
      0.5 1.0/5 "Really Bad"
      I had applied for the personal loan with Axis bank but the bank was not helped me in getting the loan. Actually I am an existing customer of Axis bank. But they are not willing to provide the loan which I requested for. Therefore, I am very much disappointed with AXIS.
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      , burdwan
      Reviewed on Jul 03, 2017
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got the Personal loan with AXIS Bank and I am maintain a salary account with same bank so the rate of interest offered by them was 15% and I have taken this loan 5 years back and its going to end in next four days I have availed five lakh rupees loan and there was no processing charges also documentation part was also normal.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 01, 2017
    • Axis Bank Personal Loan
      "Prompt service"
      0.5 5.0/5 "Blown Away!"
      About six months ago, I had taken the personal loan from Axis bank. Interest rate is 12.5%. They processed the loan in a proper manner. I received good service for the loan process. Even the bank is very prompt while crediting the amount and it was sanctioned on time.
      Was this review helpful? 0
      , yavatmal
      Reviewed on Jun 29, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      The axis bank customer service was very good in concern with my personal loan application. I have got more than 5 years experience with Axis bank. Within 2 days of time I got the personal loan with axis bank. I am happy about the loan amount. The rate of interest is nominal with axis, when compared with others. I am satisfied with the axis bank service.
      Was this review helpful? 1
      , kakinada
      Reviewed on Jun 27, 2017
    • Axis Bank Personal Loan
      "Disatisfied Service"
      0.5 2.0/5 "Expected more"
      AXIS executive initially told me that they were charging 12% of interest on persona loan. When my loan got sanctioned then I came to know they were charged me 16% of interest, I am very disappointed with their service and I have requested them to reverse the interest rate but they asked me to pay processing fee. I am not happy with the service part, but my loan process was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 27, 2017
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    Axis Bank Gold Loan is Rated as "Excellent!" by 1809 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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