Axis Bank Business Loan

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Best Loan Offers

Curated Offers from 20+ Lenders

Unsecured Loan

Term Loan & OD Facilities Available

Expert Advice

Guidance & Assistance

Top Up Facility

Loan to Get Additional Funds

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Highlights

Types of Business Loan

Fees and Charges

Eligibility

Axis Bank Business Loan Highlights

Interest rate	14.00% onwards
Loan amount	Up to Rs. 75 lakh
Repayment tenure	Up to 5 years
Collateral	Collateral-free

Note: Rates as of 8th October 2026

Lenders	Interest Rates (p.a.)
Aditya Birla Capital	14.00% onwards*
Axis Bank	14.00% onwards*
Bajaj Finance	14.00% onwards*
Federal Bank	10.85% onwards
FlexiLoans	12.00% onwards
Godrej Capital	12.00% onwards*
HDB Financial Services	13.00% onwards
HDFC Bank	9.99% onwards*
Hero Fincorp	14.00% onwards
ICICI Bank	14.00% onwards*
IDFC FIRST Bank	13.00% onwards
IIFL Finance	Up to 28.00%
Indifi	18.00% onwards*
IndusInd Bank	15.99% onwards
Kinara Capital	24.00% onwards
Kotak Mahindra Bank	9.50% onwards
KreditBee	12.00% onwards
L&T Finance	10.00% onwards
LendingKart	13.50% onwards
NeoGrowth	19.00% onwards*
Poonawalla Fincorp	15.00% onwards
Protium	26.00% onwards*
Slice Small Finance Bank	11.10% onwards*
Tata Capital	12.00% onwards
UdhaarSaathi	30.00% onwards*

*Paisabazaar Special Rates
Rates as on 12th October 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

Choose Business Loans of Your Choice
5 Lakh Business Loan	10 Lakh Business Loan
20 Lakh Business Loan	30 Lakh Business Loan
40 Lakh Business Loan	50 Lakh Business Loan

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

Useful Business Loan Resources
Eligibility for Business Loan	Business Loan Interest Rates
Documents Required for Business Loan	Business Loan EMI Calculator

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FAQs

What is the Axis Bank Business loan customer care number?

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

How to use the Axis Bank business loan calculator?

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

How to apply for an Axis Bank business loan online?

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

Can I track my Axis Bank business Loan status online?

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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What our customers say

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