Axis Bank Personal Loan

Quick Loan Approval & Disbursal

End-to-End Expert Assistance

Highest Loan Approval Chances

Hassle-free & Paperless Process

Quick Loan Approval & Disbursal

End-to-End Expert Assistance

Highest Loan Approval Chances

Hassle-free & Paperless Process

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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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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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.

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

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	10.15-18.05
Bajaj Finance Limited	10.00-31.00
Bank of India	10.85-16.15
Bank of Maharashtra	8.75-13.55
Canara Bank	9.70-15.15
Central Bank of India	9.65-11.55
Cholamandalam IFC	10.00-28.00
Dhani Loans & Services Ltd.	13.99 onwards
Federal Bank	11.99 onwards
HDB Financial Services	10.00 - 35.00
HDFC Bank	9.99 onwards
Hero Fincorp	19 onwards
HSBC Bank	9.95-12.00
ICICI Bank	10.45 onwards
IDFC FIRST Bank	9.99 onwards
IIFL Finance	12.75 - 44.00
Indian Overseas Bank	10.25
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	10.00 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 - 12.20

*when applied through Paisabazaar

Last Updated on 20th January 2026

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% Above 36 EMIs - 2% Excluding pre-EMI/broken period interest. 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, Part prepayment is done before completion of 12 EMIs More than 25% of outstanding principal is prepaid in an year The gap between two part-prepayments if less than 12 EMIs No lock-in period for part-prepayments
Foreclosure Charges	Foreclosure charges are levied on the outstanding principal Loan amount < Rs. 10 lakh Up to 36 EMIs - 3% Above 36 EMIs - 2% Loan amount >= Rs. 10 lakh Foreclosure from own funds If foreclosed from own funds before 12 EMIs - 3% of outstanding principal If foreclosed from own funds after 12 EMIs - NIL Foreclosure from other than own funds Up to 36 EMIs - 3% Above 36 EMIs - 2% 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

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

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

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FAQs

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.

Axis Bank charges a processing fee of up to 2% of the loan amount on personal loans.

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.

Axis Bank offers personal loans up to an amount of Rs. 25 lakh, subject to the repayment capacity of the loan applicant.

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.

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What our customers say

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

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Axis Bank Personal Loan