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

    • Axis Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      AXIS BANK provides me a very good service from their end and iam very comfortable with them i didnt get any problem whill i process my personal loan even the representatives where helpfull in processing my request and the customer service representatives were helpfull in providing me informations and the intrest was 13.25 which was low compare to others and AXIS BANK provides me a excellent service
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have received the personal loan last year from Axis bank. They disbursed the loan within a week time. The interest rate was high with Axis bank, which is not reasonable , The processing fee and the charges are nominal from Axis . The required loan amount has been disbursed and I am satisfied with it.
      Was this review helpful? 0
      , hosur
      Reviewed on Aug 22, 2017
    • Axis Bank Personal Loan
      "Need to improve"
      0.5 3.0/5 "Satisfactory"
      I have got the personal loan with the Axis bank and the interest rate was lesser one. The loan amount got disbursed in ten to fifteen days of time.Response is very good one with the Axis bank. Processing charges were above average one.
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      , mumbai
      Reviewed on Aug 22, 2017
    • Axis Bank Personal Loan
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I took personal loan for my marriage, they didn't give any special discount on it. They have offered me the interest of 14.35% it was high compare to other competitor. AXIS gave me the tenure of four years for the amount Rs. 2 lakhs, Finally I closed the loan by paying all my EMIs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • Axis Bank Personal Loan
      "Good, try to be better"
      0.5 5.0/5 "Blown Away!"
      I have closed the personal loan with the Axis bank and the rate of interest was around 12%, also the response was good. The loan amount got disbursed to my account within seven working days of time. The procedures are really an instant one.
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      , bangalore
      Reviewed on Aug 21, 2017
    • Axis Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      Years back I had taken a personal loan from Axis bank and the process at that time was average. Unlike these days where documents can be submitted online. I had to contact the executive and I had to submit a lot of paperwork. The interest rate and charges are high too.
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      , jodhpur
      Reviewed on Aug 19, 2017
    • Axis Bank Personal Loan
      "Awesome service"
      0.5 5.0/5 "Blown Away!"
      The immediate action has been taken by axis bank in regards to my personal loan application. They have disbursed my loan within 5 days of time. The requested loan amount has been disbursed and I am satisfied with it., The rate of interest is high when compared with others.
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      , visakhapatnam
      Reviewed on Aug 18, 2017
    • Axis Bank Personal Loan
      "To should be customer's friendly"
      0.5 3.0/5 "Satisfactory"
      Axis is not user friendly and their interest rate is also higher side. AXIS taken lot of papers from me and done so many verification call for the personal loan. Finally they disbursed the amount after three weeks it was long. Finally I am with done with the preclosure, I paid only outstanding amount and closed the loan.
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      , chennai
      Reviewed on Aug 18, 2017
    • Axis Bank Personal Loan
      "Good in the beginnning need to improve with the ending part"
      0.5 5.0/5 "Blown Away!"
      Axis bank Disbursed my loan in the promised time then I have paid back the loan amount . But there was no clearance certificate issued by axis, The customer service was average with Axis bank. They have disbursed my loan within a hour time. It was an instant loan which I got from Axis . The rate of interest is high when compared with others.
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      , chennai
      Reviewed on Aug 17, 2017
    • Axis Bank Personal Loan
      "Good in the beginning need to improve with the ending part "
      0.5 5.0/5 "Blown Away!"
      Axis bank Disbursed my loan in the promised time then I have paid back the loan amount . But there was no clearance certificate was issued by axis, The customer service was average with Axis bank. They have disbursed my loan within a hour time. It was an instant loan which I got from Axis . The rate of interest is high when compared with others.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • Axis Bank Personal Loan
      "Good Experience and customer friendly"
      0.5 4.5/5 "Excellent!"
      AXIS service is good, the executive who handle my personal loan they were very supportive and coordinative. Interest is also nominal, and there is no processing fee. More over I could close after the loan after two months without any charges.
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      , bangalore
      Reviewed on Aug 16, 2017
    • Axis Bank Personal Loan
      "Awesome Services"
      0.5 5.0/5 "Blown Away!"
      Axis bank is also awesome for a personal loan. Apart from having a excellent process for the loan. There are the other benefits like a preclosure and part payment facility. I can make a part payment after two months and there is no lock in period for the foreclosure.
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      , bangalore
      Reviewed on Aug 16, 2017
    • Axis Bank Personal Loan
      "Very wonderful experience with AXIS"
      0.5 5.0/5 "Blown Away!"
      I got best offers from AXIS, their customer service is also very fast and prompt., they have disbursed the loan amount within the time. Compared to other banks, AXIS gave least interest rate and there was no preclosure charges and part payment options too.
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      , hyderabad
      Reviewed on Aug 16, 2017
    • Axis Bank Personal Loan
      "Satisfactory service and need to improve"
      0.5 4.0/5 "Great!"
      Once my personal loan got approved by Axis bank there was no proper follow up was made on the credit part. They haven't informed me about how the loan amount gonna credit to my account. The rate of interest is high when compared with other banks. The required loan amount has been approved and I am satisfied with it.
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      , bangalore
      Reviewed on Aug 14, 2017
    • Axis Bank Personal Loan
      "Good Service"
      0.5 3.5/5 "Pretty good"
      With Axis bank, the status of the product need to be informed to the customer, rather the service need to be transparent to the customers. I got the personal loan from axis bank, they have taken around 9to 12days for the whole personal loan process. The requested loan amount has been disbursed and I am happy with it. The terms and conditions are really good with axis bank personal loan.
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      , hyderabad
      Reviewed on Aug 14, 2017
    • Axis Bank Personal Loan
      "Smooth process"
      0.5 5.0/5 "Blown Away!"
      Axis bank has also offered me a personal loan and the process was smooth. The bank has always been satisfactory in the services they provide. The customer support has been quick in document collection and the disbursement was also as per my requirement.
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      , indore
      Reviewed on Aug 14, 2017
    • Axis Bank Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      My personal loan with AXIS bank was pretty good. It met my exception level in all aspects of service. In term of interest and process fee was very least compared to other banks. They have offered me 14.99% rate of interest for 1.44 lakh loan amount, and I hav taken this loan amount 6 months back and with in 10 days loan got disbursed.
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      , chennai
      Reviewed on Aug 13, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Axis has approved my personal loan, they gave the loan with 1.25 % processing fee. I have requested to waive off the ! % too. There is no part payment charges and no foreclosure charges, we can close the loan anytime after a month. Within 3 days of time they have disbursed my loan, The axis bank service was prompt in regards to my personal loan.
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      , bangalore
      Reviewed on Aug 12, 2017
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have received personal loan from Axis with different kind of offers, they are Firstly Low interest rate, secondly Lesser processing fee, Finally Low foreclosure charges. The customer service is really good with Axis bank. They have disbursed my loan within 2 days of time, I am happy with the loan amount.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 12, 2017
    • Axis Bank Personal Loan
      "Best offer in the market"
      0.5 5.0/5 "Blown Away!"
      When I applied for personal loan, they said it disbursed within certain time but it got vary. But I am happy about loan facility they gave me zero pre closure, zero processing fee with lower rate of interest. Documentation process was also hassle fee but they taken some time to disburse, that part should be work it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 12, 2017
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    Axis Bank Gold Loan is Rated as "Excellent!" by 1848 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN
    Apply for Personal Loan

    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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