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.

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.

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st May '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy

Google Play Store

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

Find Best Personal Loan Offers

Sort by:

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%

Why Choose Paisabazaar?

Compare & Choose the Best Offer

Pre-approved Offers with Instant Disbursals

Know Your Chances of Approval

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

About Axis Bank Personal Loan

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.

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- 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 18th May 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.

Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs

Axis Bank Personal Loan Fees and Charges

Repayment instruction / Instrument return charges	Rs. 500/- per instance of dishonor of cheque / SI / ECS / NACH debit instruction + GST as applicable
Swap charges (Cheque/Instrument)	Rs. 500/- per instance + GST as applicable
Penal Charges	Financial Default (Non-payment of interest or principal / instalment on due date. Financial Default includes all types of payment or financial defaults / irregularities with respect to the loan account.) 8% p.a. on the overdue amount (subject to aggregate penal charges not exceeding Rs. 1,00,000 (INR One lakh) or minimum of Rs. 300 (INR Three hundred) whichever is higher per instance) There shall be no capitalization of Penal Charges In addition to the penal charge, the borrower will be required to pay the regular interest on overdue EMI / overdue interest/overdue principal which would be charged at contracted or applicable interest rate for the days it remains overdue
Material Terms & Conditions	Financial Default - 1. Non-payment of interest / installment on due date 2. Financial Default also includes all types of payment or financial defaults/irregularities with respect to the Loan Account
Bounce Charges – Cheque / Instrument Return Charges	Rs. 500 +18% GST (Rs. 590)
Duplicate statement issuance charges	Rs. 250/- per instance per set + GST as applicable.
Duplicate amortisation schedule issuance charges	Rs. 250/- per instance per set + GST as applicable.
Credit Information Companies (CICs) Report Issuance Charges	Rs. 50/- per instance per set + GST as applicable.
No Dues Certificate generation charges (Duplicate)	Rs. 50 per instance per set + GST as applicable.
Stamp Duty Charges	As per State Stamp Act
Part Payment Charges
	EMIs paid	<=36	>36
	% Charge	3%	2%
	Part Payment charges shall be levied on the amount being prepaid. Up to 36 paid EMIs = 3% After 36 paid EMIs = 2% Excluding pre-EMI/broken period interest. Customer will be allowed to pre-pay up to 25% of principal outstanding every year during the loan tenure without any charges after completion of 12 paid EMIs. There shall be a gap of 12 paid EMIs between two such part payments. Customer will be charged for part payment charges if: 1. Part payment is done before completion of 12 paid EMIs 2. Part payment is greater than 25% of principal outstanding in a year. 3. Gap between 2-part payments is less than 12 paid EMIs. No Lock-in period for making part payment of the loan.
Foreclosure charges	Foreclosure charges shall be levied on principal outstanding. Disbursed Loan Amount less than Rs. 10 lakh Up to 36 paid EMIs = 3% After 36 paid EMIs = 2% Disbursed Loan Amount greater than or equals to Rs. 10 lakh Own Funds Charges if closure from own funds before 12 paid EMIs: 3% of Principal Outstanding Charges if closure from own funds after 12 paid EMIs: Nil Other than Own Funds Charges if the closure is not from own funds: Up to 36 paid EMIs = 3% After 36 paid EMIs = 2% No Lock-in period for foreclosing the loan.
Processing fee charges	Up to 2% of the loan amount + GST as applicable
Loan cancellation charges	1. 0-3 days - Interest till the date of cancellation, Processing Fee, Stamp duty, other statutory charges (if applicable as and when) and GST would not be waived/refunded in case of loan cancellation. 2. >3 days - It will be 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

Grievance Redressal Officer Details (for Digital Lending/FinTech-related complaints/issues)

Contact no. - 08061865200
Email - nodal.officer@axis.bank.in

Principal Nodal Officer Details

Contact no. - 08061865098 (9:30 to 5:30 pm Monday to Saturday, except second and fourth Saturdays and bank holidays)
Email - pno@axis.bank.in

Read More - Axis Bank Customer Care

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 Personal Loan Lenders

Avail Personal Loan for
All Your Needs

Overview

Axis Personal Loan Axis Personal Loan Interest Rate Axis Personal Loan Eligibility Axis Personal Loan EMI Calculator Axis Marriage Loan Axis Credit Card Loan Axis Personal Loan Documents Required Axis Personal Loan Customer Care Number Axis Personal Loan Preclosure Charges Axis Personal Loan Statement Axis Personal Loan Status Axis Personal Loan Login Axis 1 Lakh Personal Loan Axis 5 Lakh Personal Loan

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.

View All FAQ's

Personal Loan Articles

How to Use a Personal Loan to Build Credit from Scratch

Anubhuti Agrawal22 May 2026

Personal Loan for Gig Workers & Freelancers: How to Qualify in 2026

Anubhuti Agrawal05 May 2026

How Personal Loan Works in India

Anubhuti Agrawal30 Apr 2026

Importance of No Dues Certificate in Personal Loan Closure

Paisabazaar02 Feb 2026

Loan rejected despite high income? Here’s what you need to know

Paisabazaar19 Jan 2026

Personal Loan for First Time Borrowers: What Customers Must Know

Paisabazaar24 Dec 2025

How I Saved Rs 22,000 on My Personal Loan through Prepayment

Bhumika Khandelwal31 Jul 2025

How Have Personal Loans Advanced Over the Past few Years

Paisabazaar17 Jul 2025

Factors To Consider While Selecting a Personal Loan Lender

Paisabazaar16 Jul 2025

Instant Personal Loan Apps: Avoid These 5 Pitfalls

Bhumika Khandelwal16 Jul 2025

View All Articles

What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

View All Testimonials

Written By

Anubhuti Agrawal

Reviewed By

Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

Check Best Personal Loan Offers
with Quick Disbursal

Talk to Expert

Talk to Expert

Axis Bank Personal Loan

Find Best Personal Loan Offers

How Can I Apply for a Personal Loan Online?

About Axis Bank Personal Loan

Features of Axis Bank Personal Loan

Highlights of Axis Bank Personal Loan- 2026

Axis Bank Personal Loan Interest Rates

Axis Bank Personal Loan Fees and Charges