- Interest rates starting from 9.99% p.a. onwards.
- Loan tenure ranging up to 5 years.
- Processing fee up to 2% of the loan amount.
- Instant personal loans at affordable interest rates
- Pre-approved personal loan offered to existing customers with immediate approval and loan disbursal within hours.
- Pre-qualified personal loan offered to new customers
- Simple and easy online process
Axis Bank 1 Lakh Personal Loan
Axis Bank offers collateral-free personal loan of Rs 1 lakh to meet the personal financial needs of its applicants. Prospective borrowers can visit Paisabazaar app to apply for Axis Bank Personal Loan of Rs 1 lakh. They can also compare the interest rates and other offers by Axis Bank with other partner lenders on Paisabazaar app.
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Customer Rating
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2839 Reviews
51M+Satisfied Customers
65+Lending Partners
800+Cities across India
Get up to ₹1,000*
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Valid till 30th September '25Voucher on disbursalValid till 30th September '25*T&C Apply
Check Personal Loan Offers Online
Customer Rating
4.2/5
2839 Reviews
51M+Satisfied Customers
65+Lending Partners
800+Cities across India
Paisabazaar Exclusive Benefits
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless
Personal Loan EMI Calculator
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Find Best Personal Loan Offers
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 ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
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%
Why Choose Paisabazaar?
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
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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
Axis Bank 1 Lakh Personal Loan- Key Features
Axis Bank Personal Loan Interest Rates for 1 Lakh Personal Loan
Axis Bank offers personal loans at interest rates starting from 9.99% p.a. Lenders usually offer differential interest rates depending on the credit profile of the applicants. Applicants having a strong credit score and an excellent repayment history have higher chances of availingpersonal loans at lower interest rates.
| Minimum Interest Rate | 9.99% p.a. |
| Maximum Interest Rate | 17.15% p.a. |
Fees and Charges of Axis Bank Personal Loan for 1 lakh Personal Loan
| Particulars | Charges |
|---|---|
| Processing Fees | Up to 2% |
| Foreclosure/Part-prepayment charges | For Loans Disbursed on or after April 1, 2024:
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 dishonor 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. |
Axis Bank 1 Lakh Personal Loan: Eligibility Criteria
Below-mentioned is the personal loan eligibility criteria set by Axis Bank for individuals availing a personal loan of Rs 1 lakh:
| Eligibility Criteria | Details |
|---|---|
| Age | 21-60 years |
| Minimum Monthly Income |
|
| Job Profile | Salaried and self-employed |
| Credit Score | 700 and above |
Documents Required During Personal Loan Application
Axis Bank requires the below-mentioned documents at the time of personal loan application:
EMI of 1 Lakh Personal Loan from Axis Bank
Below-mentioned is the EMI calculation of personal loan of Rs 1 lakh availed from Axis Bank for tenure of up to 7 years. Applicants can use the personal loan EMI calculator available online to evaluate the same.
| Loan Amount (Rs) | Interest Rate (p.a.) | Tenure | EMI (Rs) |
|---|---|---|---|
| 1,00,000 | 9.99% | 1 year | 8,791 |
| 1,00,000 | 9.99% | 2 years | 4,614 |
| 1,00,000 | 9.99% | 3 years | 3,226 |
| 1,00,000 | 9.99% | 4 years | 2,536 |
| 1,00,000 | 9.99% | 5 years | 2,124 |
| 1,00,000 | 9.99% | 6 years | 1,852 |
| 1,00,000 | 9.99% | 7 years | 1,660 |
Swipe to see more table data
How to Apply for Axis Bank Personal Loan of Rs 1 lakh through Paisabazaar App
Individuals can apply for Axis Bank personal loan of Rs 1 lakh through Paisabazaar app in the following steps:
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
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Last updated: 11 September, 2025
Reviewed By
Vandana Punj
Written By
Shamik GhoshPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
*Applicable for selected customers