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    • Axis Bank Gold Loan is Rated as "Excellent!" by 2321 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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    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

     

    Axis Bank Gold Loan Reviews

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    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a good experience i had with this loan and the loan amount which they had provided has been sufficient as well. The interest rate with them has been nominal when compared with the market rate and there has not been any sort of charges which they had been making.
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      , chennai
      Reviewed on Nov 14, 2018
    • Axis Bank Personal Loan
      "Good In Service"
      0.5 4.0/5 "Great!"
      I applied for a personal loan with with Axis and it was processed on time. There was no delay , i had even gone for top-up . Axis is good in terms of service, they provide you loan on instant if your documents are correct. Over all i had a good experience.
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      , bangalore
      Reviewed on Nov 14, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The experience i had with them has been good. The loan amount which they had provided has been satisfactory and the processing fee has been nominal. There has not been any charges which they had made but the only thing was that their interest rate has been very high when compared with the market rate.
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      , gandhidham
      Reviewed on Nov 14, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with AXIS BANK , i took this loan before 4 month . This is very best service it just took 5minutes to get loan i just click on net banking within 5minutes i got loan . I use to pay EMI on time . There was little bad experience with this bank .
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      , coimbatore
      Reviewed on Nov 13, 2018
    • Axis Bank Personal Loan
      "Good Processing"
      0.5 5.0/5 "Blown Away!"
      My experience was good with AXIS, second time I have taken the personal loan with them. The guys are responsible in the bank but for the personal loan the interest rate is high, however I am happy about the service they have disbursement the amount on time.
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      , hyderabad
      Reviewed on Nov 12, 2018
    • Axis Bank Personal Loan
      "Interest rate should be nominal"
      0.5 3.0/5 "Satisfactory"
      From axis bank I have taken Rs.3 lakhs, they charged 22% of interest it was very huge and also they taken processing fee around Rs. 6000 from the disbursement. For the top up loan they charging high interest, I am not happy with the interest rate hence I switched over to HDFC.
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      , vijayawada
      Reviewed on Nov 12, 2018
    • Axis Bank Personal Loan
      "Best bank"
      0.5 5.0/5 "Blown Away!"
      Easy processing and quick loan I got loan amount after applying 3days. Less formalities zero prepayment closure and less interest rate. If anyone needed loan definitely I will recommend to go first axis bank. If you call to customer care they only come and do the needful
      Was this review helpful? 2

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      , bangalore
      Reviewed on Nov 10, 2018
    • Axis Bank Personal Loan
      "If the interest rate is decreased then it will be excellent"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan in Axis Bank. The loan duration is 4 years. Am paying the premium as 6000 rupees, need to pay for another 3 years. The experience is good but the rate of interest is more 18%. The service is too fast and I got the loan in a single day.
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      , chandigarh
      Reviewed on Nov 10, 2018
    • Axis Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have taken the personal loan with then AXIS BANK where they have given the rate of interest which is higher than others when compared. While applying for the loan they have said it is 18% and after getting the they have said me it is 24% which is very higher than others.
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      , bhubaneshwar
      Reviewed on Nov 07, 2018
    • Axis Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have taken the personal loan with the AXIS i ma satisfied with the process of getting the loan because i am holding the salary account so the process is quick to get the loan. The rate of interest is 18% in this bank. The service is good in this bank.
      Was this review helpful? 1

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      , ahmedabad
      Reviewed on Nov 04, 2018
    • Axis Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan with the AXIS BANK where the process of getting the personal loan is very simple and easy. They have provided the loan amount which is sufficient and also the rate of interest is 20% in this personal loan.
      Was this review helpful? 1

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      , chennai
      Reviewed on Nov 03, 2018
    • Axis Bank Personal Loan
      "Faster approval"
      0.5 5.0/5 "Blown Away!"
      It was a instant loan which I got from Axis Bank without any documentation. I had a salary account previously based on that they offered me. When compared to Induslnd bank, the interest rate was very high in Axis Bank. The loan amount was credited with in 24 hours. I have opt the personal loan for4 years. The payment mode is net banking.
      Was this review helpful? 4

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      , bangalore
      Reviewed on Nov 02, 2018
    • Axis Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am happy by holding the personal loan with the AXIS BANK also the documentation process is very simple and easy process. The rate of interest is higher in this loan when compared to the other banks. The customer service is good from this bank.
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      , hyderabad
      Reviewed on Nov 02, 2018
    • Axis Bank Personal Loan
      "Good in all"
      0.5 4.0/5 "Great!"
      Axis Bank is good in the personal loan experience. The customer support and response is good. There are no issues and I got the loan within two days, it is a fast and smooth process. The rate of interest is of 12.2% and the processing fee is of .75%.
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      , hyderabad
      Reviewed on Nov 01, 2018
    • Axis Bank Personal Loan
      "Good in all"
      0.5 3.0/5 "Satisfactory"
      I had taken a personal loan with Axis Bank and there was a delay in the process. It would have been better if they were more sooner to provide the loan. The loan amount was as needed and the rate of interest and processing charges is normal. Good in all.
      Was this review helpful? 1

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      , bangalore
      Reviewed on Nov 01, 2018
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I am running a personal loan with Axis Bank and it was taken in the month of October 2017. Axis service is good. The loan duration is 5 years. I am paying premium every month 5,673 rupees through ECS. I have applied 2 times for top up loan but they didn't approve it. The rate of interest was nominal.
      Was this review helpful? 3

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      , kolkata
      Reviewed on Oct 31, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been taken my personal loan from AXIS bank long back there service was good i did not face any issue in getting my loan process like they gave soon my loan and they have give sufficient loan amount as i have expected and the rate of interest and processing fee they have charge is nominal but i have one issue with this bank that is i call customer support team the call donâ??t get connect soon it take too many time to get connect with support team.
      Was this review helpful? 3

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      , pune
      Reviewed on Oct 30, 2018
    • Axis Bank Personal Loan
      "Good Financial service"
      0.5 4.0/5 "Great!"
      Got my personal form Axis bank , as the rate of interest is nominal . Paying the payments through Ecs . Got approved in just 10-15 days as instant approval process there is processing fees for the personal loan with tenure period of few years . Their customer service and response is good regarding personal loan.
      Was this review helpful? 1

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      , navi mumbai
      Reviewed on Oct 26, 2018
    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a great experience with this Personal loan where the loan amount got disbursed in 2 minutes. It was a pre approved loan and the loan amount has been satisfactory enough. The interest rate with them has been very nominal when compared with the market rate and they had only taken some small charges.
      Was this review helpful? 6

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      , gurgaon
      Reviewed on Oct 25, 2018
    • Axis Bank Personal Loan
      "AXIS BANKPersonal Loan"
      0.5 4.5/5 "Excellent!"
      My preapproved personal loan experience was very good, the process was smooth and i received my loan amount on time. The loan amount was for Rs 700000 with very less interest rate. Customer service was good and they followed up on time. The tenure period for this loan is 5 years.
      Was this review helpful? 11

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      , chennai
      Reviewed on Oct 25, 2018
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