Multiple banks. Different interest rates. Call it a "conflict of interest".
  • Axis Bank Gold Loan is Rated as "Excellent!" by 2395 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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.

    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
      "Reduce the charges"
      0.5 5.0/5 "Blown Away!"
      I took my personal loan in Axis Bank before 4.5 years back and its been completed before 5 to 6 months have taken top-up loan. The customer service is very good. The charges are more compared to other banks. The loan duration is 5 years. Monthly installment is 5600 rupees through net banking.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 14, 2019
    • Axis Bank Personal Loan
      "More than satisfactory"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Axis Bank. The process was good to close the loan. I went to the bank to close the loan and within ten minutes it got closed. It was a very fast process. They said that I will receive the NOC within seven days but I got it on the sixth day itself.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2019
    • Axis Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      There was some difficulty which i had faced to change the ECS date and i had requested to change it. The process in getting this loan has been quite good and the interest rate with them was around 11.5% and there has not been any sort of additional charges which they had made so far.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 11, 2019
    • Axis Bank Personal Loan
      "Good in Need"
      0.5 5.0/5 "Blown Away!"
      I was looking for a personal loan and and thats when i applied with Axis bank. The interest rates that i had on my personal loan was reasonable. Services were satisfactory in Axis and i am happy about it. I have completed the loan tenure successfully.
      Was this review helpful? 3
      , kolkata
      Reviewed on Jan 11, 2019
    • Axis Bank Personal Loan
      "High Interest Charges"
      0.5 3.0/5 "Satisfactory"
      At the time when i was planing for a personal loan i had applied with Axis Bank.. There was a delay in the procedure and later it got approved.. The interest rates on my personal loan were too high, it was 18% and also it was a fixed interest rate..
      Was this review helpful? 3
      , chennai
      Reviewed on Jan 11, 2019
    • Axis Bank Personal Loan
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      Previously I had personal loan with AXIS, before four years I took that loan. At the time the interest rate was very high. They respond very well on the customer queries on the loan part . Only concern about the interest rate it would be great if they reduce it.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 09, 2019
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I directly approached AXIS Bank for the personal loan before four years I have done lots of documents. The guy who interacted with me gave me the door step service I am very happy with that professional service, but the interest rate is quite high anyways it helped me a lot.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 09, 2019
    • Axis Bank Personal Loan
      "They need to improve their service"
      0.5 2.0/5 "Expected more"
      Interest rate is very much higher around 18% for the personal loan. I felt AXIS Is higher than HDFC, they have taken processing fee. If I want to take the top up the loan with Axis, they have lots of procedure its should be simple . but 8% of interest is excess from other banks.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Jan 09, 2019
    • Axis Bank Personal Loan
      "Not satisfied with the service"
      0.5 1.0/5 "Really Bad"
      I had applied for a Personal loan with them and it did not got approved. The process was very lengthy and the banking services has not been bad. But the interest rate with them has been very high and there has been some hassle faced with them where at the end the loan did not got approved.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 08, 2019
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank personal loan , they have given me sufficient loan amount ,and i am happy with loan amount, and the rate of interest they have charged me was nominal,they have charged me up to 10.5% and the processing fee they have charged me was nominal, there was no hidden charges ,overall service is good
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 08, 2019
    • Axis Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have been using personal loan with Axis bank recently,the loan amount they have given me was okay as per my requirement they have charged me was okay they have given me up to 11,000 from march monthly emi will get cut, and the rate of interest they have charged me was nominal and the processing fee they have charged me was nominal,but rate of interest they have charged me is not fixed, they are charging me hidden charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 07, 2019
    • Axis Bank Personal Loan
      "Interest rate should be flexible"
      0.5 5.0/5 "Blown Away!"
      I already have personal loan with AXIS but I didn't go the top up because of the higher interest its around 16% for 2 lakhs. I was taken the loan before two years due to emergency purpose I have availed it, the process was smooth but only concern about the interest.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 05, 2019
    • Axis Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I hold a savings account in Axis bank and i am pretty much happy with the services. I had applied for a personal loan and my loan application was processed on time, there was no delay. The interest rates are reasonable compare to the market value.
      Was this review helpful? 6
      , bangalore
      Reviewed on Jan 04, 2019
    • Axis Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The process in getting this loan has been quite good and there hasn't been any hassle faced. The loan amount has been sufficient and the interest rate with them has been nominal when compared with the market rate. I was getting a corporate offer where the rate of interest was less when compared with the market rate. The processing fee which they had charged also had been minimal.
      Was this review helpful? 5
      , mumbai
      Reviewed on Jan 03, 2019
    • Axis Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      It was quite a good experience with this loan and it was taken five years back. The loan amount has been sufficient and the interest rate was around 15% during that time where it was quite high. The experience was not quite good because the interest rate was high during that time.
      Was this review helpful? 5
      , chennai
      Reviewed on Jan 03, 2019
    • Axis Bank Personal Loan
      "Looking for less interest rate"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with AXIS bank for personal loan, the process was quick and i received my loan amount on time. Customer support is fine with this bank and their response is on time. Tenure period for this loan is 5 years and the rate of interest was nominal in this bank.
      Was this review helpful? 6
      , new delhi
      Reviewed on Jan 03, 2019
    • 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 few working days to disburse the loan amount to my account. The documentation was done digitally which was easy and convenient. Loan amount is satisfactory .
      Was this review helpful? 3
      , coimbatore
      Reviewed on Dec 30, 2018
    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using Axis bank personal loan , they have given me sufficient loan amount ,and i am happy with loan amount, and the rate of interest they have charged me was nominal, and the processing fee they have charged me was nominal, there were no hidden charges ,overall service is good.
      Was this review helpful? 10
      , hyderabad
      Reviewed on Dec 27, 2018
    • Axis Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My process with Axis Bank for the personal loan is good. They are very fast in the process to get the loan through. The customer support and response is good. The rate of interest and processing charges is not satisfactory. It is very pretty high when compared with others.
      Was this review helpful? 2
      , bangalore
      Reviewed on Dec 22, 2018
    • Axis Bank Personal Loan
      "Good. Can do better in the ROI"
      0.5 4.0/5 "Great!"
      Axis Bank is pretty good in the personal loan services. The customer support is fine and they are very quick to collect the paper work and process the loan. The rate of interest and processing charges are on the higher side, and they can work on it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 22, 2018
    Common Loader Icon

    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.

    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.