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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. The lender also offers pre-approved personal loans to existing customers and pre-qualified loans to new customers.

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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 ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
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 40 lakh
  • Collateral-free loans
  • Instant personal loans
  • Digital process
  • Completely paperless
  • Quick approval in 30 seconds

Highlights of Axis Bank Personal Loan- 2025

Interest Rate *9.99% - 17.00%
Loan Amount *Up to Rs 40 lakh
Tenure *Up to 8 years
Processing Fee *Up to 2%
Prepayment Fee
  • Up to 36 EMIs = 3%
  • Above 36 EMIs = 2%
Loan Approval Time 30 seconds

*when applied through Paisabazaar

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.

Maximum Interest Rate 9.99% p.a.
Minimum Interest Rate 17.00% p.a.

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. 3499 to Rs. 6500
Axis Bank 9.99% - 17.15% 1% - 1.5 %
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%

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Axis Bank Personal Loan Processing Fees & Charges

Particulars Charges
Processing Fees 1%-1.5%
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 dishonor 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: Rs 50,000-Rs 40 lakh
  • Tenure: 1-5 years

Personal Loan for Home Renovation

  • Purpose: Axis Bank offers Personal Loan for Home Renovation to meet the expenses required for renovating, extending and improving their existing home property.
  • Loan Amount: Rs 50,000-Rs 40 lakh
  • Tenure: 1-5 years

Personal Loan for Travel

  • Purpose: Individuals can avail Personal Loan for Travel from Axis Bank to meet their financial requirements related to travel such as tickets, accommodation, food, etc.
  • Loan Amount: Rs 50,000-Rs 40 lakh
  • Tenure: 1-5 years

Personal Loan for Higher Education

  • Purpose: Individuals planning for higher education can avail Personal Loan for Higher Education from Axis Bank to finance their tution fees and other education related expenses.
  • Loan Amount: Rs 50,000-Rs 40 lakh
  • Tenure: 1-5 years

Axis Bank Personal Loan Eligibility Criteria

Axis Bank Personal Loan eligibility criteria is 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, Public Sector Undertakings are eligible to apply for personal loan. Additionally, Axis Bank also offers personal loan 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

  • Completely 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

  • 1-860-419-5555
  • 1-860-500-5555
  • Non Toll Free Number: +91 40 67174100

      Know more about 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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      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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      Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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      Got personal loan from Paisabazaar

      I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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      Pranoy SenSep 19, 2025

      Got personal loan from Paisabazaar

      I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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      Pranoy SenSep 19, 2025

      Feedback - Customer support

      I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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      EZAKIEL BSep 18, 2025

      Exceptional Support During Loan Process

      I’m writing to express my sincere appreciation for Mohammad Shazeb (Employee Code: EW33348) for the excellent support he provided during my recent loan process. There was a complication with the KYC verification, and 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.

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      Abhishek ThakurSep 1, 2025

      Outstanding Assistance from Ms. Seema Kumari

      I would like to express my sincere appreciation for Ms. Seema Kumari (Employee ID: EW32347) for her exceptional support in helping me secure a personal loan.

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      Abdul ShaikhAug 23, 2025

      Excellent Support and Guidance from Ms. Yashi Saxena

      I had the opportunity to interact with Ms. Yashi Saxena (Employee Code: AW22197) while applying for a loan from Poonawalla Fincorp. I am extremely satisfied with her guidance, support, and professionalism throughout the process. She explained each step very clearly, helped me understand the details, and ensured that the process went smoothly. Her assistance made my loan journey hassle-free.

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      Loan from paisabaAar

      Get a personal loan from paisabaaz customer support is very supportive loan disburse in 2 days thanks team

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      Compare and Applied

      Hi, I can easily choose the right loan offers for me with the help of Paisabazaar. Previously, I tried fincover for the same, but I can decide while checking with you. Thank you

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