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Axis Bank Personal Loan

Axis Bank personal loan are collateral-free loans offered at competitive interest rates and flexible repayment tenure. The loan proceeds can be used to meet personal requirements, such as wedding, travel, home renovation, education, etc. Prospective borrowers can visit Paisabazaar to apply for Axis personal loan with end-to-end digital processing and quick loan disbursal.
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5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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 Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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End-to-End Digital Process

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

Apply Now

Axis Bank Personal Loan - Key Features 2026

Below-mentioned are the key features of Axis Bank personal loan:

  • The interest rates start from 9.99% p.a.
  • Loan amount of up to Rs. 25 lakh.
  • No security required.
  • End-to-end digital processing.
  • Quick and hassle-free journey.
  • Smooth, paperless and convenient loan processing.
  • Instant approval and quick loan disbursal.
  • No hidden charges.

Axis Bank Personal Loan Interest Rate 2026

Axis Bank personal loan interest rate start from 9.99% p.a. The interest rates offered by Axis Bank depend on the credit score, monthly income, EMI/NMI ratio, job profile, employer’s profile, etc. of the applicants. The interest rates are MCLR-based and the EMI remains constant throughout the loan tenure.

Axis Bank Personal Loan EMI Calculator

  • Prospective borrowers can use the Personal Loan EMI Calculator available on Paisabazaar to evaluate the EMIs and total interest cost payable over the loan tenure.
  • Applicants need to enter the loan amount, interest rate and loan tenure in the calculator and get instant results.
  • The EMI calculator is fast, accurate, time-saving, automated and effortless.
  • Individuals can check their loan affordability even before loan application and make informed decisions.

Axis Bank Personal Loan Eligibility

Below-mentioned is the eligibility criteria set by Axis Bank for its personal loan applicants. Individuals can also use the Personal Loan Eligibility Calculator on Paisabazaar to check their loan eligibility before loan application and improve their approval chances.

  • Age should be between 21 to 60 years.
  • Salaried individuals employed with public and private limited companies, public sector undertakings, central and local bodies are eligible.
  • Salaried doctors can avail Axis Bank personal loan.
  • The minimum monthly income requirement should be – Rs. 15,000 (Axis Bank customers); Rs. 25,000 (non-Axis Bank customers).

Check your Personal Loan Eligibility in just Few Clicks

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Avail Personal Loan for
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Axis Bank Personal Loan - Unique Offerings

Axis Bank Insta Personal Loan (Pre-Approved)

  • Axis Bank offers instant personal loans to its select existing customers having their salary/FD/loan/current/savings account or have availed credit cards from the bank.
  • The applicants should have a strong credit profile to qualify for pre-approved offers.
  • Pre-approved loans do not guarantee approval but have very high chances to get approved.
  • Pre-approved applicants having a good credit profile might also get lower personal Loan interest rates.
  • Instant disbursal with minimal documentation.

Axis Bank Salary Plus Overdraft

  • Axis Bank offers Flexi credit, a personal loan overdraft facility offered against a salary account in as little as 3 minutes.
  • Funds available instantly.
  • No fixed EMIs.
  • Interest is charged only on the amount you utilize.
  • Zero documentation.
  • Can avail a credit line of up to 5 times the monthly salary, subject to a maximum cap of Rs. 5 lakh.

Documents Required for the Axis Bank Loan Application

Below-mentioned is the complete list of documents required during loan application:

  • Completely filled application form.
  • KYC documents - Aadhar card, passport, driving license, passport, voter ID, job card by NREGA signed by a state government officer, letter issued by National Population Register.
  • Date of birth - Aadhaar card, driving license, passport, voter ID, birth certificate, school leaving certificate.
  • Signature proof - Passport, PAN card, banker’s verification.
  • Income proof - Salary slip for the last 2 months, bank statement showing salary credit for the last 2 months, one year employment proof.

How to Apply for Axis Bank Personal Loan Online

You can apply for Axis Bank personal loan online Paisabazaar in the following steps:

  • Login to Paisabazaar.
  • Tap on the “Personal Loan” icon.
  • The app fetches your credit details.
  • Curated offers matching your credit profile are displayed on the screen.
  • Check for Axis Bank personal loan and apply.

Axis Bank vs HDFC vs ICICI - Personal Loan Comparison

Features Axis Bank HDFC Bank ICICI Bank
Interest Rates 9.99% p.a. onwards 9.99% p.a. onwards 9.99% p.a. onwards
Loan Amount Up to Rs 25 lakh Up to Rs. 50 lakh Up to Rs. 50 lakh
Processing Fee Up to 2% of loan amount Up to Rs. 6,500 Up to 2% of loan amount
Type of interest rate Fixed Fixed Fixed
Collateral No collateral required No collateral required No collateral required
Pre-approved offers Available Available Available

Axis Bank Personal Loan Customer Care

Retail phone banking numbers:

  • Toll-free number: 18002095577/18001035577
  • Charges applicable as per service provider: 18604195555/18605005555

Non Toll-free number: +91-4067174100

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

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

FAQs

What is Axis Bank personal loan interest rate 2026?

As of May 2026, Axis Bank personal loan interest rates start from 9.99% p.a. onwards depending on the credit profile of the applicants.

How to apply for Axis Bank personal loan online?

You can apply for Axis Bank personal loan online through Paisabazaar.

What is Axis Bank Insta personal loan?

Axis Bank Insta personal loan is a pre-approved loan offering offered to select existing customers of Axis Bank having a strong credit profile.

What is the minimum salary for Axis Bank personal loan?

The minimum salary required for availing Axis Bank personal loan is Rs. 15,000.

Is Axis Bank personal loan rate lower for existing customers?

Yes, existing customers with a strong credit profile are eligible for a lower interest rate at Axis Bank.

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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Anubhuti Agrawal
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Shamik Ghosh

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