Axis Bank Personal Loan


Axis Bank provides you loan up to Rs 15 Lakh at an interest rate starting at 10.25% p,a. Now build your lifestyle with an absolutely flexible options whose tenure is up to 5 years. All this with Axis bank personal loan, whose outstanding features help you with competitive interest rates. Axis Bank features aims at providing you with competitive interest rates, best term benefits, etc.

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Axis Bank Online Personal Loan Details

Know more about online personal loan details by Axis bank from the table below:

Interest rate (10.25% - 21%) p.a
Age 21 – 60 years
Loan amount Rs.50,000 to Rs.15 lakh
Loan tenure 12 months - 60 months
Processing Charges Up to 2% of loan amount + GST

Table of Contents: Axis Personal Loan

Axis Bank Personal Loan Interest Rates & Charges

Now make the most of the competitive interest rates from Axis personal loan ranging from 10.25% to 21% per annum. Depending on the loan amount you borrow and term, a processing fee may be levied with a foreclosure charges may range between 2% and 5%.

Let’s go through the Axis personal loan interest rates and charges in detail from below:

Particulars Fees & Charges
Interest rate 10.25% p.a. onwards
Processing Fee Depends on the evaluation
Loan Amount Rs.50,000 to Rs.15 lakh
Income Rs.15,000/month onwards
Credit Score 700 and above

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Note: The current rates may vary marginally and are inclusive of other charges.

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Axis Bank Personal Loan EMI Calculation

Axis Bank Personal Loan EMI Calculator is your trusted companion for hassle-free financial planning and effortless loan calculations. An online automatic tool that helps you evaluate your EMI (Equated Monthly Installment) outgo.

Now calculate your desired loan amount & get a fair estimate of your monthly installment. Axis Bank’s Personal Loan makes it easy for you with EMI Calculation.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Comparison of Axis Bank Personal Loan Vs Other Banks

Discover the best offers provided by the lenders with our comprehensive comparison of interest rates offered by leading banks. The table aims at helping you make more informed financial decisions.

Lender Interest Rates
Axis Bank 10.25% p.a. onwards
HDFC Bank 10.50% p.a. onwards
SBI 11.00%-15.00% p.a.
ICICI Bank 10.75% p.a. onwards

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Note: The current rates may vary marginally and is inclusive of other charges.

Axis Bank Personal Loan Eligibility

To ensure a smooth loan application process, understanding the eligibility criteria is crucial. Axis Bank Personal Loan eligibility calculator simplifies the process for you to determine your eligibility based on income, monthly expenses, etc.

By utilizing this powerful tool, you can effortlessly assess your loan eligibility based on essential factors such as your income. However, you also refer to Axis Bank & understand your Personal Loan Eligibility.

Factors Eligibility Criteria
Age 21 years - 60 years
Net monthly income Rs. 15,000 onwards
Work Experience 3 years
Note: The Type of Employment: Salaried doctors, Public & Private limited companies, Government sector employees.

Features of Axis Bank Personal Loan

Here are the exclusive features and benefits of an Axis Bank personal loan:

Best Rate for Personal Loans.

Avail the best interest rate for personal loan.

Flexible Tenure

Choose your preferred flexible repayment tenure.

Multi-purpose

Meet all your various financial aspirations.

Minimal documentation

Get your desired loan amount at minimal documentation.

Collateral-free

Borrow loan without risking any collateral.

No Hidden Charges.

Avail loan without penalties.

Axis Bank Personal Loan Documents Required

Refer here for Axis Personal loan documents required to experience a smooth Axis Personal loan application process :

Identity Proof PAN Card, Voter ID , Driving License , Passport
Address Proof Voter ID, Addhar Card , Passport, Pan Card
Income Proof Latest 2 months pay slip
2 months bank statement & 1 year employment proof
Other Documents Filled in application form with applicant’s passport size photos
Self- attested by applicant’s on all documents

4 Easy Steps to Apply for Axis Personal Loan with Buddy Loan

Steps To Apply For a Personal Loan with Buddy Loan

  • Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
  • Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
  • Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
  • Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
  • Step 5: Enter your work details (Including company name, years of service and Designation)
  • Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
  • Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

Apply for a Personal loan now!

Axis Personal Loan for Government Employees

Axis Bank offers personal loans for government employees to suit their financial requirements with benefits along with concerned terms & conditions. Here are the major highlights of the Axis Personal Loan for Government Employees and its eligibility:

Loan Amount Avail loan upto Rs 15 Lakhs
Interest Rates 12%
Loan Repayment Tenure Upto 5 years
Income Rs 15000 onwards
Age 21 to 60 years
Credit Score Minimum credit score should 750

Multi-Purpose Personal Loan from Axis Bank

Axis Bank Personal loan offers a diverse range of personal loan options designed to suit your unique financial needs and aspirations. Also, there are different types of personal loan products offered by Axis Bank

  • Home Loan

    • Home loan options are designed to cater to a variety of requirements, whether you're a first-time buyer or looking to invest in property. Own your home with our competitive interest rates and flexible loan terms

  • Personal Loan

    • Enjoy your dream holiday, renovate your home, or plan your perfect wedding with our personal loans, offering attractive interest rates and flexible repayment options.

  • Business Loan

    • With our business loans, you can access the necessary capital to invest in your operations, expand your reach,all with a simplified application process.

  • Car Loan

    • Get car loans, offering a high Loan-to-Value (LTV) ratio, allowing you to finance a significant portion of the vehicle's value.

  • Two Wheeler Loans

    • Whether you're looking for a scooter or a motorcycle, our two-wheeler loans provide flexible financing solutions that make owning your preferred two-wheeler.

  • 24x7 Loan Against Securities

    • With our securities with our 24x7 Loan Against Securities. Enjoy the benefit of interest charged only on the amount you utilize, providing you with flexibility and cost-saving advantages.

  • Commercial Vehicle/Construction Equipment Loan

    • Whether you need to purchase pre-owned commercial vehicles or refinance existing ones, we offer tailored financing solutions to meet your specific needs.

  • Education Loan

    • With our education loans for a variety of courses with the most easiest loan disbursal ensuring you can invest in your education without unnecessary financial burdens.

  • Loan Against Property

    • Enjoy the convenience of an easy repayment tenure of up to 20 years on Loan Aganist Property.

  • Gold Loan

    • Experience the ease and convenience of obtaining a gold loan with us, providing you gold loan at best interest rate with the most flexibility of this borrowing option.

  • Loan Against FD

    • Secure a loan against your fixed deposit at unbeatable interest rates, allowing you to access immediate funds without breaking your investment.

Ready to take the next step? Apply for a Personal loan now!

Frequently Asked Questions on Axis Personal Loan

Yes, Axis Bank gives you 24x7 personal loan assisting you to get instant funds. However, if your area pre - qualified Axis Bank customer you can be eligible for instant disbursal.

Eligibility for a personal loan in Axis Bank may vary based on individual circumstances. Generally, employed individuals with a stable income, including salaried employees, self-employed professionals, and businessmen, may be eligible.

The maximum personal loan amount you can get from Axis Bank depends on various factors such as your income, credit history, repayment capacity, and the bank's policies.

Salaried doctors, Salaried employees, public and private limited companies along with Government sector employees are eligible to take personal loan.

Yes, if your annual salary is 20,000, then you're eligible for a personal loan because the monthly income requirement begins from Rs. 15,000 onwards.

No, you don't need to present any collateral or security to avail Axis Bank Personal loan.

Online application generally takes two days to process. However, offline process might take 2 weeks to complete the procedure.

The documents required for Axis Bank Personal Loan are Address Proof, Income Proof, ID Proof & others. Check the detailed list of documents above.

Yes, you can as a couple co-applicant on a Personal Loan turn into co-borrowers in a loan application is usually approved.

The applicants to have a minimum CIBIL Score of 750 or more to be eligible for its personal loans

The part & full pre-payment changes of an Axis personal loan is 5%plus GST

The Axis Bank Personal Loan preclosure charges for loans availed at fixed interest rates are up to 5%.

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The information provided above is for general informational purposes only and does not constitute an offer or solicitation to avail of any financial services or products. Buddy Loan is a Digital Fintech Marketplace that connects borrowers with lenders and is not a lender itself. While we strive to ensure that the information regarding interest rates, loan amounts, and terms provided by our partner Banks and NBFCs is accurate and up-to-date, these details are subject to change at the discretion of the respective lenders.


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