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  • Axis Bank Gold Loan is Rated as "Excellent!" by 2197 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
      "Average"
      0.5 3.0/5 "Satisfactory"
      My personal loan was taken with AXIS BANK 2 years back. The loan amount was 6 lakhs and the interest rate was 11% which is high . The tnrue period was 4 years . The process was very good and the possessing fee was 7000. My overall experience was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 20, 2018
    • Axis Bank Personal Loan
      "GOOD"
      0.5 3.5/5 "Pretty good"
      I have been using my PERSONAL LOAN from AXIS BANK since 30 months i am really happy to hold my loan from this bank. Because the thing is that there is no pre-closure charges applicable in this bank. But the rate of interest is very high when compared to the other banks but other than that everything is good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 20, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with AXIS bank, the loan amount was for Rs 5 lakhs with nominal interest rate when compared to other banks. The process was quick and i received my loan amount on time. There are no charges on preclosure and the tenure period is 4 years.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2018
    • Axis Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the Axis. The whole application process was easy and hassle free. It took just 6 working days to disburse the loan amount to my account. The documentation was done digitally which was easy and convenient. Th EMI is paid online ..
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 2.0/5 "Expected more"
      The Axis bank personal loan service is quite average and they were ready to offer me the loan but the requested loan amount has not been approved , so that was the reason I have closed the loan application. the customer support service and the response is average here.
      Was this review helpful? 0
      , mettur
      Reviewed on May 18, 2018
    • Axis Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with AXIS bank few year back and my loan experience was good. The loan amount was based on my requirement and the rate of interest was nominal when compared to all other banks. Customer service was good and the tenure period for this loan is 3 years.
      Was this review helpful? 0
      , delhi
      Reviewed on May 17, 2018
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The personal loan service is very good from the Axis bank and I have got the personal loan from axis bank around 6months ago. The customer support service and the response is very good with the axis bank. They have disbursed the loan amount within 3 days of time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 16, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have got the personal loan with Axis bank around 3 years ago. The customer support service and the response is good from the axis bank. I have got the loan amount with in a week time. The required loan amount ha been given and I am satisfied with it. The rate of interest as high when I got the loan from them.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges and process should be smooth"
      0.5 3.0/5 "Satisfactory"
      My personal loan experience with AXIS bank was not up to the mark, the loan amount was for Rs 1 lakh with high rate of interest and processing fees. The process took so long to complete. Customer service was average and their response was delayed. They did not inform about the hidden charges in this loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 15, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The personal loan service is quite good from the Axis bank. I have got the loan from taxis bank around 3months ago, The customer support service and the response is good from the axis bank. I have got the loan amount within 30minutres of time. , because it is a pre approved loan. The rate of interest and the chargers are average with the axis bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 14, 2018
    • Axis Bank Personal Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      Got my personal loan form Axis bank , they did quick documentation and approval process in 15 days . Rate of interest is also low compared to other banks, their customer service and response is good.Made payments through ECS .
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 13, 2018
    • Axis Bank Personal Loan
      "Very good service"
      0.5 4.5/5 "Excellent!"
      It has been over an year i had taken this loan, the loan amount which they had provided me was pretty satisfactory as well. It was overall a smooth process while taking the loan from them. It took nearly two to three days to get the loan amount. But the rate of interest which they have charged was quite high which is bout 20%.
      Was this review helpful? 0
      , phaltan
      Reviewed on May 12, 2018
    • Axis Bank Personal Loan
      "Process is good. High on ROI and charges"
      0.5 5.0/5 "Blown Away!"
      It was a easy process with Axis Bank for the personal loan. The customer services and response is good. The rate of interest is of 14.5% and the processing fees is also high when compared to the other banks. The documentation process is also good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 12, 2018
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The loan amount which i took from them was around two lakhs. It has been almost ten years it has been started. The rate of interest which they where providing was an average one. The whole process was very good, even the customer service was good.
      Was this review helpful? 0
      , namakkal
      Reviewed on May 12, 2018
    • Axis Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have taken a personal loan with Axis bank and my loan experience was not good, the loan amount was for Rs 2 lakhs with high interest rate when compared to all other banks. Customer service is not up to the mark and their was no proper response. The tenure period for this loan is 48 months.
      Was this review helpful? 0
      , kolkata
      Reviewed on May 10, 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 1.5 lakhs with good interest rate. The process was quick and i received my loan amount on time. I already have a salary account with this bank so minimum documents were required. The tenure for this loan is 2 years and we can preclose the loan anytime within the tenure period.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 08, 2018
    • Axis Bank Personal Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      Got my personal loan form Axis bank , they did quick documentation and approval process in 15 days .And their rate of interest is also low compared to other banks available in market, their customer service and response is good.Made payments through ECS .
      Was this review helpful? 0
      , bangalore
      Reviewed on May 08, 2018
    • Axis Bank Personal Loan
      "Need to reduce charges"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience with AXIS bank was good, the processing fees and the rate of interest are very high in this bank. The loan amount was more than 2 lakhs and the customer service was good. The only benefit i found is there are no foreclosure charges for this loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 08, 2018
    • Axis Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      There was delay in disbursing the loan amount from the Axis bank. I have got the personal loan amount from Axis bank around 15 days of time. The customer support service and the response is average there was not prior information. the rate of interest and the charges are high with the Axis bank.
      Was this review helpful? 0
      , chennai
      Reviewed on May 08, 2018
    • Axis Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Aixs bank I have taken the personal loan the loan got approved within the given period of time the bankers clearly informed about the loan payment everything the payment is done through the account and the interest rate is not too high with the bank compared to other bank this is affordable.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 03, 2018
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