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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.

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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%

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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

Features of Axis Bank Personal Loan

  • Interest rates starting from 9.99% p.a. onwards.
  • Applicants can avail a maximum loan amount of Rs. 25 lakh
  • Collateral-free loans
  • Instant personal loans
  • Digital process
  • Completely paperless
  • Quick approval in as less as 30 seconds

Highlights of Axis Bank Personal Loan- 2025

Interest Rate 9.99% onwards
Loan Amount Up to Rs. 25 lakh
Tenure 6 months to 6 years
Processing Fee Up to 2%
Prepayment Fee
  • Up to 36 EMIs = 3%
  • Above 36 EMIs = 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.

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

Banks/NBFCs Interest Rates (p.a.)* Processing Fees
HDFC Bank 9.99% - 12.50% Rs. 3,499 to Rs. 6,500
Axis Bank 9.99% onwards Up to 2%
ICICI Bank 11.00% - 13.00% Up to 2%
Kotak Mahindra Bank 9.98% - 17.20% 1.1% - 1.5 %
IndusInd Bank 10.35% - 16.50% 1.3% - 2 %
IDFC FIRST Bank 9.99% onwards Up to 2%
Federal Bank 12.00% - 19.50% Up to 2%
YES Bank 13.00% - 16.00% 1.5% - 2.25%
Tata Capital 11.99% - 13.99% Up to 1.25%
Aditya Birla Finance 10.99% onwards Up to 4%
L&T Finance 11.00% onwards Up to 3%
Hero Fincorp 19.75% - 30.00% 2.3% - 3%
Piramal Finance 12.90% onwards Up to 5%
Poonawalla Fincorp 18.00% - 36.00% Up to 3%
Moneyview 14.00% - 36.00% Up to 2%

*As on 22nd October 2025

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Axis Bank Personal Loan Processing Fees & Charges

Particulars Charges
Processing Fees Up to 2%
Foreclosure/Part-prepayment charges For Loans Disbursed on or after April 1, 2024:

  • 3% + GST on the principal outstanding for EMIs paid up to 36 months
  • 2% + GST on the principal outstanding for EMIs paid above 36 months

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 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

  • Purpose: Applicants can avail Axis Bank Marriage Loan to finance their wedding-related expenses.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Home Renovation

  • Purpose: Axis Bank offers a Personal Loan for Home Renovation to meet the expenses required for renovating, extending and improving their existing home property.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Travel

  • Purpose: Individuals can avail a Personal Loan for Travel from Axis Bank to meet their financial requirements related to travel, such as tickets, accommodation, food, etc.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

Personal Loan for Higher Education

  • Purpose: Individuals planning for higher education can avail a Personal Loan for Higher Education from Axis Bank to finance their tuition fees and other education-related expenses.
  • Loan Amount: Up to Rs. 25 lakh
  • Tenure: Up to 72 months

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:

  • Government employees (including those working with local and central bodies) and employees of private limited companies, public limited companies, and Public Sector Undertakings are eligible to apply for a personal loan. Additionally, Axis Bank also offers personal loans for doctors.
  • Minimum age requirement of the applicant at the time of loan application is 21 years
  • Maximum age of the applicant at the time of loan maturity should be 60 years
  • Minimum monthly income requirement is Rs. 15,000 for Axis Bank customers and Rs. 25,000 for non-Axis Bank customers.

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:

  • Filled application form with recent passport-size photographs
  • KYC documents (driving license, passport, Aadhaar card, job card by NREGA, duly signed by a State Government officer, voter ID, Letter issued by National Population Register with name and address details)
  • Proof of Birth date (birth certificate, PAN card, passport, school leaving certificate, Aadhaar card, driving license)
  • Signature proof (passport, bank verification, PAN card)
  • Income proof (last 2 months' pay slips, employment proof of 1 year, bank statement for last 2 months showing salary credits)
  • All the documents should be self-attested

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:

  • 1800-209-5577
  • 1800-103-5577 

One can also reach out to the Axis Bank customer care team on the following numbers (carrier charges may apply):

  • 1860-419-5555
  • 1860-500-5555

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

Explore Our Axis Bank Lenders

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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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