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Axis Bank Personal Loan

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Quick Loan Approval & Disbursal

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End-to-End Expert Assistance

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Highest Loan Approval Chances

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Hassle-free & Paperless Process

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Axis Bank Personal Loan

  • Axis Bank offers digital personal loans through Paisabazaar at competitive rates to meet personal financial requirements.
  • One can get quick loan approval and disbursal in the bank account in case of a financial emergency.
  • Axis Bank offers these loans to fulfill life goals such as marriage, higher education, home renovation, vacation, etc.
  • Most of the loan offers require nil paperwork and applicants get end-to-end assistance for loan approval.
  • Loan approval depends on the creditworthiness and repayment capacity of the applicant.

Features of Axis Bank Personal Loan

  • Interest rates starting from 9.99% p.a. onwards.
  • Applicants can avail a maximum loan amount of Rs. 25 lakh
  • Collateral-free loans
  • Instant personal loans
  • Digital process
  • Completely paperless
  • Quick approval in as less as 30 seconds

Highlights of Axis Bank Personal Loan- 2025

Interest Rate 9.99% onwards
Loan Amount Up to Rs. 25 lakh
Tenure 6 months to 6 years
Processing Fee Up to 2%
Prepayment Fee
  • Up to 36 EMIs = 3%
  • Above 36 EMIs = 2%
Loan Approval Time In as less as 30 seconds

Individuals applying for an Axis Bank personal loan through Paisabazaar can visit https://www.axis.bank.in/digital-lending-applications for further details.

Axis Bank Personal Loan Interest Rates

Axis Bank personal loan interest rate starts from 9.99% p.a. onwards, depending on the credit profile of the applicant.

Applicants with a high credit score have a higher chance of getting the loan at lower interest rates. The bank usually offers a higher interest rate to applicants with a low credit score.

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Interest Rate Comparison of Axis Bank with Other Banks and NBFCs

Name of Lender Interest rate

(p.a %)
HDFC Bank 9.99 onwards
Tata Capital 10.99 onwards
State Bank of India 10.05-15.05
ICICI Bank 10.45 onwards
Bank of Baroda 10.40-18.10
Axis Bank 9.99 onwards
Kotak Mahindra Bank 10.99 onwards
Bank of India 11.10-16.15
Canara Bank 9.95-15.40
Punjab National Bank 10.50-17.05
HSBC Bank 9.99 onwards
Federal Bank 11.99 onwards
Union Bank of India 10.35-14.45
Bajaj Finserv 10.00-31.00
Punjab & Sind Bank 9.85-14.10
Indian Overseas Bank 10.50 onwards
UCO Bank 10.20-13.45
IDFC FIRST Bank 9.99 onwards
Bank of Maharashtra 9.00-13.80
Central Bank of India 9.90-11.80
IndusInd Bank 10.49 onwards

*As on 19th November 2025

Axis Bank Personal Loan Processing Fees & Charges

Particulars Charges
Processing Fees Up to 2%
Foreclosure/Part-prepayment charges For Loans Disbursed on or after April 1, 2024:

  • 3% + GST on the principal outstanding for EMIs paid up to 36 months
  • 2% + GST on the principal outstanding for EMIs paid above 36 months

Foreclosure fee is charged on the outstanding principal amount

Part-prepayment fee is charged on the part-prepayment amount

For personal loans disbursed on or after December 31, 2024, borrowers can prepay up to 25% of the outstanding loan amount each year without incurring any part-prepayment charges, after the payment of 12 EMIs. However, there has to be a gap of at least 12 EMI between such part-prepayments.
Repayment instruction/Instrument return charges Rs. 339 per instance + GST on dishonour of cheque/ECS/NACH/SI debit instructions
Swap Charges (Cheque/Instrument) Rs. 500 per instance + GST
Penal Charges Financial Default*: 8% p.a. above the applicable interest rate on the overdue amount (subject to the aggregate not exceeding 24% per instance). There would be no capitalisation of penal charges. Borrowers should note that financial default includes all types of financial defaults or irregularities with respect to their loan account.
Stamp duty charges As per the Stamp Act of the respective states
Duplicate Amortization Schedule issuance charges Rs. 250 per instance per set + GST
Credit Information Companies Report issuance charges Rs. 50 per instance per set + GST
Duplicate statement issuance charges Rs. 250 per instance per set + GST
Issuance charges of Duplicate No Dues Certificate Rs. 50 per instance per set + GST
Loan Cancellation Charges For loan cancelled within 0-3 days: Interest component (till the date of cancellation), stamp duty, processing fee, GST and other statutory charges would not be waived.

Loan cancelled after 3 days are considered as foreclosure.

Types of Personal Loan Schemes offered by Axis Bank

Personal Loan for Wedding

  • Purpose: Applicants can avail Axis Bank Marriage Loan to finance their wedding-related expenses.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Home Renovation

  • Purpose: Axis Bank offers a Personal Loan for Home Renovation to meet the expenses required for renovating, extending and improving their existing home property.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Travel

  • Purpose: Individuals can avail a Personal Loan for Travel from Axis Bank to meet their financial requirements related to travel, such as tickets, accommodation, food, etc.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Higher Education

  • Purpose: Individuals planning for higher education can avail a Personal Loan for Higher Education from Axis Bank to finance their tuition fees and other education-related expenses.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Axis Bank Personal Loan Eligibility Criteria

Axis Bank Personal Loan eligibility criteria are set on the basis of the job profile, age, minimum monthly income, etc., of its personal loan applicants. Here are the personal loan eligibility criteria set by Axis Bank:

  • Government employees (including those working with local and central bodies) and employees of private limited companies, public limited companies, and Public Sector Undertakings are eligible to apply for a personal loan. Additionally, Axis Bank also offers personal loans for doctors.
  • Minimum age requirement of the applicant at the time of loan application is 21 years
  • Maximum age of the applicant at the time of loan maturity should be 60 years
  • Minimum monthly income requirement is Rs. 15,000 for Axis Bank customers and Rs. 25,000 for non-Axis Bank customers.

Documents Required for Axis Bank Personal Loan

Applicants applying for Axis Bank personal loans through the offline mode have to present the following documents for loan approval:

  • Filled application form with recent passport-size photographs
  • KYC documents (driving license, passport, Aadhaar card, job card by NREGA, duly signed by a State Government officer, voter ID, Letter issued by National Population Register with name and address details)
  • Proof of Birth date (birth certificate, PAN card, passport, school leaving certificate, Aadhaar card, driving license)
  • Signature proof (passport, bank verification, PAN card)
  • Income proof (last 2 months' pay slips, employment proof of 1 year, bank statement for last 2 months showing salary credits)
  • All the documents should be self-attested

Axis Bank Customer Care

One can reach out to the Axis Bank toll-free customer care team for the resolution of queries by calling the following numbers:

  • 1800-209-5577
  • 1800-103-5577 

One can also reach out to the Axis Bank customer care team on the following numbers (carrier charges may apply):

  • 1860-419-5555
  • 1860-500-5555

Read More: Axis Bank Personal Loan Customer Complaints/Grievances Redressal Mechanism

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Axis Bank Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
View All Partners

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FAQs

Prospective borrowers can visit the branches of Axis Bank or its official website to apply for personal loan. Alternatively, they can click here to make an online application for Axis Bank Personal Loan through Paisabazaar.

Axis Bank charges a processing fee of up to 2% of the loan amount on personal loans.

The minimum salary required to avail Axis Bank Personal Loan is Rs. 15,000 per month for Axis Bank customers and Rs. 25,000 per month for non-Axis Bank customers.

Axis Bank offers personal loans up to an amount of Rs. 25 lakh, subject to the repayment capacity of the loan applicant.

You can pay your Axis Bank Personal Loan EMIs by issuing Standard Instructions (SI) or NACH mandate to the bank or by submitting post-dated cheques.

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