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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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15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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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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.

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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 10.00-30.00
Bank of India 10.85-16.15
Bank of Maharashtra 8.75-13.55
Canara Bank 9.70-15.15
Central Bank of India 9.65-11.55
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 9.95onwards
ICICI Bank 9.99 onwards
IDFC FIRST Bank 9.99 onwards
IIFL Finance 12.75 - 44.00
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 14.00 - 22.00
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

*when applied through Paisabazaar

Last Updated on 9th February 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

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 Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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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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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.

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Lalit MaviFeb 12, 2026

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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

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Kokil BarnwalFeb 12, 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.

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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.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 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.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 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

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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