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Axis Bank Business Loan

Axis Bank offers unsecured business loans up to Rs. 75 lakh with benefits such as instant credit of funds, minimal documentation and flexible tenure. Apply for an Axis Bank business loan through Paisabazaar to meet your business requirements and get funds disbursed into your account seamlessly.
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Avail up to ₹1 Cr starting at 13%

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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%

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How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

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

Axis Bank Business Loan Highlights

Interest rate 16.25% onwards
Loan amount Up to Rs. 75 lakh 
Repayment tenure Up to 5 years
Collateral Collateral-free

Note: Interest rates as of 5th March, 2026

Types of Unsecured Business Loans Offered by Axis Bank

Axis Bank provides various loan options to meet the different business requirements of applicants. Let us understand the unsecured business loan types offered by Axis Bank:

Instant Business Loan

Axis Bank offers Instant Business Loan under the 24*7 MSME digital lending programme. 

  • Tenure: Up to 48 months
  • Loan Amount: Pre-approved loan amount up to Rs. 20 lakh

Business Loans Based on Banking Conduct

These business loans are offered to MSMEs based on their 12-month banking conduct.

  • Tenure: Varies as per the borrower’s profile
  •  Loan amount: Up to Rs. 35 lakh

Business Loans Based on GST Returns

Loans are offered to MSMEs based on their GST returns.

  • Tenure: Up to 36 months
  • Loan amount: From Rs. 3 lakh to Rs. 20 lakh

Business Loans Based on ITR

These business loans are offered to MSMEs based on their income tax returns.

  • Tenure: Varies as per the borrower’s profile
  • Loan amount: From Rs. 3 lakh to Rs. 15 lakh

Business Loan for Self-Employed Professionals

MSME business loans specially designed for practising and consulting doctors and professionals, including CS, CA, ICWA, architects and engineers.

  • Tenure: Up to 36 months
  • Loan amount: From Rs. 3 lakh to Rs. 75 lakh

Business Loan for Self-Employed Non-Professionals

Business loans offered to MSME customers, including manufacturers, traders, wholesalers and more.

  • Tenure: Up to 36 months
  • Loan amount: From Rs. 3 lakh to Rs. 75 lakh

Medical Equipment Loans

Business loans provided to doctors for the purchase of medical equipment to set up their own clinic/hospital.

  • Tenure: Up to 84 months
  • Loan amount: Up to Rs. 7.5 crore (collateral-free up to Rs. 5 crore) 

Industrial Equipment Loan

Business loans designed to purchase industrial equipment by MSME manufacturers of construction equipment. 

  • Tenure: Up to 60 months
  • Loan amount: Up to Rs. 5 crore (collateral-free loan up to Rs 3.5 crore)

Quick Overdraft

Loan designed for the self-employed MSME segment to meet their working capital requirements.

  • Tenure: Varies as per the borrower’s profile
  • Loan amount: Up to Rs. 50 lakh

Fees and Charges of Axis Bank Business Loan

Sr. No Nature of fee/charges Unsecured Business Loan
1 Processing Fees Up to 2% + Taxes as Applicable
2 Login Non-Refundable NA
3 Renewal Processing Fee NA
4 Stamp Duty & other statutory document charges As per the applicable laws of the state
5 ROC filing charges NA
6 Cheque book issuance charge NA
7 Repayment Instruction / Instrument Return Charges INR 339/- per instance + taxes as applicable
8 Penal Charges* 8% p.a. + GST above applicable interest rate on the overdue amount (subject to the aggregate not exceeding 24% per instance).
9 Non-submission of stock statement* NA
10 Non-submission of property/ stock insurance* NA
11 Duplicate No dues certificate/ NOC ₹50/- + Taxes as Applicable
12 Pre-Payment Charges Up to 24 M - 4% of principal outstanding at the time of prepayment (+ GST)

25-36 M - 3% of principal outstanding at the time of prepayment (+ GST)

> 36 M - 2% of principal outstanding at the time of prepayment (+ GST)

In case of Micro and Small Enterprises (MSE) customers, no Prepayment charges are applicable if the loan amount is up to ₹50 Lakhs under fixed-rate loans
13 Part Pre-payment charges 2% charge (+ GST) will

be levied on the amount prepaid.

In case of Micro and Small Enterprises (MSE) customers, no Prepayment charges are applicable if;

Loan amount is up to ₹50 Lakhs under Fixed rate loans

Axis Bank Business Loan Eligibility

To be eligible for an Axis Bank 24*7 business loan, applicants need to qualify for the following criteria:

  • Business Vintage: 3 years
  • Business Turnover: Rs. 30 lakh
  • Business Type: All types, including sole proprietor, partnership, and private limited.
  • Age: Minimum 21 years, Maximum 65 years

Additional Eligibility Criteria of Certain Loan Types

Loan Product Key Eligibility Criteria
Business Loan based on the Banking Conduct • Turnover below Rs. 10 lakh: Not applicable

• Turnover above Rs. 10 lakh: Minimum Rs. 1 crore

• Eligible profiles: Doctors, CA, CS, ICWA, traders, manufacturers, retailers, wholesalers, service providers
Business Loan basis GST Returns / Business Loan basis ITR • Minimum income: Rs. 3 lakh for both years

• Owned residential or office property is mandatory
Unsecured Business Loan for Self-Employed & Self-Employed Non-Professionals • Minimum ITR income: Rs. 2.50 lakh for each of the last 2 years

• Owned residential or office property is mandatory
Unsecured Medical Equipment Loan • Business vintage: Minimum 2 years in current profession

• Minimum business income: Rs. 5 lakh

• Owned residential or office property

• Residence stability: Minimum 12 months

• Office stability: Minimum 24 months
Unsecured Industrial Equipment Loan • Residence or office stability: 24 months at the same location

• Either residence or office must be owned

• If office is rented: Minimum 2 years unexpired lease + landlord waiver letter

• Other property ownership (excluding land, under-construction, or part-consideration) is acceptable if located in the same city
Unsecured Quick Overdraft (Working Capital Loan) • Residence stability: Minimum 12 months

• Business operating in the same city for the last 3 years

• Either residence or office must be owned

• Minimum income (Individuals): Rs. 2.5 lakh ITR for the last 2 years

• Minimum income (Non-individuals): Rs. 3 lakh cash profit for the last 2 years

Avail Axis Bank For
All Your Needs

Documents Required for Axis Bank Business Loan

  • KYC documents
  • Properly filled application form with the customer’s signature
  • Valid and relevant financial documents
  • Last 6 months bank statement
  • PAN card or Form 60
  • Proof of business

Tips to Improve Your Business Loan Approval Chances

  • Clearly state the purpose of borrowing
  • Keep your documents up-to-date and error-free
  • Maintain a good repayment history and a robust credit profile
  • Demonstrate your industry knowledge to win lenders’ confidence
  • Leverage existing relationships with lenders to increase approval chances

How Can I Apply for a Business Loan Online?

Get up to ₹1 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

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

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FAQs

For any banking-related queries, customers can contact the bank at 1800 209 5577 / 1800 103 5577 (toll-free)

Simply enter the loan amount, tenure and interest rate in the business loan EMI calculator to get instant results.

Applicants can apply online for an Axis Bank business loan either through Axis Bank’s official website or through the Paisabazaar app/website.

Yes, you can easily track Axis Bank’s business loan status online for free through the official website of Axis Bank.

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