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 2102 Users
    Personal Loan BYTES FROM OUR KITCHEN

    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
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from Axis bank and it was a good loan experience. The loan amount was for Rs 2.39 lakhs with the rate of interest of 13.5% which is high when compared to other banks. The processing fees was 2% which is high. Customer service was good and they collected documents on time. The tenure of this loan is 3 years and it was a good service from Axis bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 18, 2018
    • Axis Bank Personal Loan
      "Service needs to be improved"
      0.5 4.0/5 "Great!"
      I had a personal loan with Axis Bank and it was closed 3 years back. The rate of interest was quite high compared to other banks and they charged 2% as a processing fee. The customer service was not satisfactory, I would suggest them to improve the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have my personal loan with AXIS bank for about 1 year. The loan amount was 3 lakhs and the Interest rate was 13.5 % which is bit high than other banks. The tenure period was 5 years. The loan process was quick and the processing process was smooth. Here the pre closing process was also very simple and I paid 2500 which is nominal.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2018
    • Axis Bank Personal Loan
      "Prompt service"
      0.5 5.0/5 "Blown Away!"
      I got the loan amount within a week time from Axis bank. The customer support was prompt in their response part. The documentation process was also very good with the axis bank. The required loan amount was disbursed and I am satisfied with it . The rate of interest was 10.5% which is low when compared with other banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 16, 2018
    • Axis Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I had closed my personal loan with Axis Bank. The loan process was excellent. The rate of interest was 16.5% which was nominal. The documentation process was simple with Axis Bank. My loan got disbursed within 5 days. There are no charges for foreclosing the personal loan.
      Was this review helpful? 0
      , mohali
      Reviewed on Jan 12, 2018
    • Axis Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan with AXIS Bank. The loan process was good. Earlier they specified the interest rate of 14.5% after doing the transaction they changed the interest rate to 19% at last they made it as 17% based on my salary. The customer service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • Axis Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      The response part is good with the axis bank. I have applied for personal loan with axis bank around a week ago. I have got the call back from the axis bank executives saying they they will approve my personal loan application within 15days of time.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 12, 2018
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      With the Axis bank, I am having the personal loan and the rate of interest is a good one for me with them and that was perfect at that time. The loan amount got disbursed within a month of time. Rate of interest is the perfect factor with the Axis bank.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 11, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with AXIS Bank.I did balance transfer from ICICI bank. The loan amount was 2.5 lakhs. The Interest rate was 18-19% which was very high than other banks in the market. The tenure period was 5 years. They have provided door step service for collecting documents.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 10, 2018
    • Axis Bank Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      I am having the personal loan with the Axis bank and the interest rate was around 11.99%. I would like to say I am yet to experience a good customer support. They have disbursed the loan amount within four to five working days of time from the date,when I have applied for the loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 09, 2018
    • Axis Bank Personal Loan
      "Faster Approval"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan with Axis Bank before 9 months. I checked with multiple banks and found the interest rate was low with Axis bank. I got a very good response on the loan process. The loan was approved within one day. The executive came to my place and collected the documents.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 08, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken Personal loan from Axis bank and it was a very good loan experience. The loan amount was for Rs 1.40 lakhs with the rate of interest of 16% which is high when compared to all other banks. This was a preapproved loan so no much documents were required. The process was very smooth and i received my loan amount within 2 days. Customer service was good and they responded correctly. The tenure of the loan is 48 months and it was overall a good service from Axis bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 05, 2018
    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Currently, I am having the personal loan with the Axis bank and the customer service is good one for me. Response and other features are really fine one for me. Within ten days of time, I have got the loan amount with the Axis bank and everything is good one for me.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 04, 2018
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a personal loan from Axis bank the service was good. But I feel the rate of interest they offered me was little high compared to others in the market ,process was fast. It was been three months I have closed the loan service from Axis bank it was a average service from Axis bank personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 02, 2018
    • Axis Bank Personal Loan
      "Good Loan"
      0.5 4.0/5 "Great!"
      While applying my requirment was around Rs.2.5 Lakhs but they ended up offering me Rs.8.50 Lakhs. They said the processing fee would be 1.5% but after discussion they reduced it to Rs.1000. The rate of interest with them is pretty good. I pre-closed the Loan.
      Was this review helpful? 10
      , mumbai
      Reviewed on Dec 28, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The Axis bank has offered me a personal loan and disbursed it within 2 to 3 working days of time. The customer support gave me excellent response in a polite way,. The required loan amount was approved and I am satisfied with it. The rate of interest was high but it is fine with the Axis bank.
      Was this review helpful? 6
      , bangalore
      Reviewed on Dec 26, 2017
    • Axis Bank Personal Loan
      "Best "
      0.5 4.0/5 "Great!"
      I am having the personal loan with the Axis bank and the customer service is also good one. I would like to say that the rate of interest is fine one for me and I have not faced any issues with the Axis bank till now. Processing charges are nominal one with the Axis bank personal loan.
      Was this review helpful? 3
      , bangalore
      Reviewed on Dec 26, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Axis bank and loan experience was very good. I have taken loan for Rs 4.5 lakhs with the rate of interest of 13.29% which is nominal when compared to all other banks. The process was very smooth and i received my loan amount within 1 week. Customer service was good and they provided door step service to collect the documents. The tenure of this loan is 5 years and I am planning to Balance Transfer to different bank, The processing fees was nominal and it was overall a good service from Axis bank.
      Was this review helpful? 5
      , bangalore
      Reviewed on Dec 21, 2017
    • Axis Bank Personal Loan
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      I needed a Personal Loan and Axis Bank did step up and provided me with a decent loan. They offered me a Rate of Interest of 13%, which I feel is a little high. The process for getting the Loan was pretty short and required very little document as I am a privileged customer of them.
      Was this review helpful? 3
      , new delhi
      Reviewed on Dec 21, 2017
    • 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? 7
      , hyderabad
      Reviewed on Dec 14, 2017
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