- 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.
Axis Bank Personal Loan
Axis Bank offers tailor-made personal loans to meet the personal requirements of individuals qualifying the eligibility parameters. Axis Bank personal loans can be used for any type of financial needs such as wedding, travel, medical emergency, higher education, home renovation, etc. except for speculation. Most existing customers become eligible for pre-qualified offers provided they meet the eligibility criteria. Applicants without existing relationship can also apply for Axis Bank personal loans online.
Quick Loan Approval & Disbursal
Money in Your Account Instantly
End-to-End Expert Assistance
Expert Assistance at Every Step
Highest Loan Approval Chances
Find the Most Eligible Offers for You
Hassle-free & Paperless Process
Hassle-free & Paperless

4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed

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Valid till 31st May '26
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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.98%
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Quick Loan Approval & Disbursal
Money in Your Account Instantly
End-to-End Expert Assistance
Expert Assistance at Every Step
Highest Loan Approval Chances
Find the Most Eligible Offers for You
Hassle-free & Paperless Process
Hassle-free & Paperless
Calculate Your Personal Loan EMI
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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
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
About Axis Bank Personal Loan
Features of Axis Bank Personal Loan
Highlights of Axis Bank Personal Loan- 2026
| Interest Rate | 9.99% onwards |
| Loan Amount | Up to Rs. 25 lakh |
| Tenure | 6 months to 6 years |
| Processing Fee | Up to 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.
Rates as of 15th April 2026
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.
Interest Rate Comparison of Axis Bank with Other Banks and NBFCs
| Bank/NBFC | Interest Rates (% p.a.) |
|---|---|
| Aditya Birla Finance | 10.99 onwards |
| Axis Bank | 9.99 onwards* |
| Bank of Baroda | 10.15-18.00 |
| Bajaj Finance Limited | 10.00-30.00 |
| Bank of India | 10.85-16.15 |
| Bank of Maharashtra | 8.75-13.55 |
| Canara Bank | 9.70-15.15 |
| Central Bank of India | 9.85-11.65 |
| Cholamandalam IFC | 10.00-28.00 |
| Dhani Loans & Services Ltd. | 13.99 onwards |
| Federal Bank | 12.00 - 22.50* |
| HDB Financial Services | 10.00 - 35.00 |
| HDFC Bank | 9.99 onwards |
| Hero Fincorp | Up to 30* |
| HSBC Bank | 9.75 onwards |
| ICICI Bank | 9.99 onwards |
| IDFC FIRST Bank | 9.99 onwards |
| IIFL Finance | 12.00 - 28.00 |
| Indian Overseas Bank | 10.25 onwards |
| IndusInd Bank | 10.35 onwards* |
| Kotak Mahindra Bank | 9.98 onwards* |
| L&T Finance | 11.00 onwards |
| Mahindra Finance | 8.00 - 25.00 |
| Mannapuram Finance | 18.00 - 24.00 |
| Moneyview | 14.00 onwards |
| Muthoot Finance | 13.50 onwards |
| Piramal Finance | 12.14 onwards |
| Poonawalla Fincorp | 9.99 onwards |
| Punjab & Sind Bank | 9.60-13.85 |
| Punjab National Bank | 10.25-16.80 |
| Shriram Finance | 11.00 onwards |
| Tata Capital | 10.99 onwards |
| UCO Bank | 9.95 - 13.20 |
| Union Bank of India | 8.75 - 12.55 |
Axis Bank Personal Loan Processing Fees & Charges
| Particulars | Charges |
|---|---|
| Processing Fees | Up to 2% |
| Part-payment Charges | Part-prepayment charges are levied on the prepaid amount
Up to 36 EMIs - 3% After completing 12 EMIs , borrowers will be allowed to prepay up to 25% of the outstanding principal every year. There should be a gap of 12 EMIs between two such part-prepayments. The lender levies part-prepayment charges if, No lock-in period for part-prepayments |
| Foreclosure Charges | Foreclosure charges are levied on the outstanding principal
Loan amount < Rs. 10 lakh Loan amount >= Rs. 10 lakh Foreclosure from own funds Foreclosure from other than own funds No lock-in period for loan foreclosure |
| 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
Personal Loan for Home Renovation
Personal Loan for Travel
Personal Loan for Higher Education
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:
How to Check Your Axis Personal Loan Eligibility Using Eligibility Calculator?
Individuals can now check their Axis Bank personal loan eligibility using the Personal Loan Eligibility Calculator available on Paisabazaar. Checking your loan eligibility before loan application reduces your chances of loan rejection and speeds up the entire loan process.
Click to check your personal loan eligibility for Axis Bank.
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:
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:
One can also reach out to the Axis Bank customer care team on the following numbers (carrier charges may apply):
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
Apply Now
Explore Our Personal Loan Lenders
FAQs
How to apply for an Axis Bank Personal Loan?
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.
What is the personal loan processing fee levied by Axis Bank?
Axis Bank charges a processing fee of up to 2% of the loan amount on personal loans.
What is the minimum salary required for availing Axis Bank Personal Loan?
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.
What is the maximum personal loan amount that individuals can avail from Axis Bank?
Axis Bank offers personal loans up to an amount of Rs. 25 lakh, subject to the repayment capacity of the loan applicant.
How can I repay my Axis Bank Personal Loan amount?
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.
Can I choose between a fixed and a floating rate for the personal loan?
Axis Bank Personal Loans are offered only at fixed interest rates. Axis Bank does not offer personal loans on floating interest rates.
Can I use Axis Bank Personal Loan for any purposes, including for commercial or business purpose?
Axis Bank personal loans can be used for various personal purposes like financing medical emergencies, weddings, home renovations, travel expenditures, education-related expenses, etc, except for speculation. However, applicants seeking loans for commercial or business purposes need to apply for Axis Bank Business Loan.
Does Axis Bank allow a Personal Loan Balance Transfer option?
No, you cannot transfer your existing personal loan to Axis Bank through Paisabazaar. You should contact Axis Bank directly to check whether it offers a personal loan balance transfer option. You can check personal loan balance transfer options offered by other lenders based on your credit profile.
At what minimum CIBIL score can I avail a personal loan in Axis Bank?
Axis Bank has not specified a cut-off credit score for availing a personal loan. However, personal loan applicants having a credit score of 700 and above usually have higher chances of availing a personal loan at lower interest rates.
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