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Axis Bank Personal Loan

Get an instant approval on your online Personal Loan at the lowest interest rates through IndiaLends. Axis Bank offers a wide range of financial products to their customers to meet their immediate requirements. Being the third largest private sector bank in India, the institution also offers personal loans to their customers for various purposes like traveling, wedding, home renovation, buying a property etc. It aims at providing its customers with a hassle- free experience with various financial solutions.

Apply Axis Personal Loan

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Please select your Employment Type
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Minimum salary of Rs 10,000 is requiredMinimum annual income of Rs. 1.2 Lakh is requiredMinimum turnover of Rs. 1.2 Lakh is required
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Why Choose Axis Bank Personal Loan?

You can benefit from the attractive loan offers and several other product features at Axis Bank. Here are a few reasons for choosing Axis Bank for a personal loan.

  • Affordable and flexible interest rates
  • Fast loan approval
  • Minimal Documentation Process & 100% Transparency
  • Maximum Loan up to Rs. 15 lakh
  • Flexible Repayment options, ranging from 1 to 5 years
  • Fast disbursal with money in your account within 2 days
  • Earn reward points on taking a Personal Loan

Axis Bank Personal Loan Interest Rate

The rate of interest will range from 15.50% to 24%. It will depend on the customer’s credit score, credit history, the relationship with the bank, and finally the bank’s internal policies.

Salaried Individual

Loan Amount

Starting From Rs. 50,000 up to Rs. 15 lakhs

Interest Rate

15.50% to 24%

Processing Fee

1.50% to 2.00% + Service Tax as applicable

Loan Tenure

1 to 5 years


21 years up to 60 years

Prepayment Charges


Axis Bank Personal Loan Features

Multi-purpose Loan

Be it a wedding, refinancing your home, paying your college fees or planning a holiday, a personal loan from Axis bank can help you fulfill all your requirements. Personal loans are therefore also known as multi-purpose loans as they can be used for various purposes.

Loan Amount

Axis personal loans are available for both, self-employed individuals and salaried working professionals. At Axis Bank, the minimum personal loan amount is Rs. 50,000 and the maximum is Rs.15 lacs.

Fixed Rate of Interest

The rate of interest is fixed and is charged on monthly reducing basis. It is calculated on the overdue amount i.e., the amount to be repaid after the EMI and Interest paid.

Flexible loan tenure, EMI and Payment Options

Axis bank offers personal loan at attractive interest rate with a loan tenure ranging between 12 months to 60 months. You can pay the loan in easy installments and can choose an EMI plan which best suits your current financial position.

Personal Loans Repayment Options:

  • Standing instructions for an auto-debit from your existing Axis account
  • Via ECS (Electronic Clearing System)
  • PDC (Post-dated cheques)

Personal Loan as an Unsecured Loan

You can avail an unsecured personal loan from Axis bank without any guarantor or security.

Easy Documentation

Taking a personal loan from Axis bank involves a simple and easy process. You can apply for a personal loan online and receive an easy personal loan approval as there is minimal paperwork involved during the process.

Affordable Interest Rates

Axis Bank Personal Loan can be availed at interest rates ranging from 15.50% to 24%. However, the rate of interest can vary with each customer depending on his/her credit score, repayment history and the internal policies of the bank.

Axis Bank Personal Loan Fees and Charges

Processing Fee Axis Bank will charge for a processing fee of 1.50% to 2.00% + Service Tax as applicable as processing fees.
Foreclosure Charges In case you want to repay your entire loan amount before the loan period ends, Axis Bank allows prepayment of personal loan with NIL foreclosure charges.
Eligibility Criteria

Axis Bank Personal Loan Eligibility Criteria

For Salaried Employees


Age Requirement: Minimum 21 years of age and maximum 60 years of age.


Minimum Net Salary: Rs. 18,000


Salaried Employees

Salaried doctors

Employees of Public and private limited companies

Public and private limited companies

Government sector employees including Public Sector Undertakings and central and local bodies

Axis Bank Personal Loans Documents Required

Complete online loan application

Fill it up online within two minutes

ID proof

Aadhar Card/Voter Id Card/Passport/Driving License

Salary Slip

Salary slip of the last 3 months with Form 16

Bank statement

Bank statement of last 3 months or bank passbook of 6 months

Address proof

Aadhar Card/Passport/Telephone or Electricity Bill/Ration Card/Rental Agreement

Documents Required

Why Should You Apply for Axis Personal Loans at IndiaLends?

Axis Bank has collaborated exclusively with IndiaLends, an online marketplace which offers low-interest personal loans best suited for your needs. If you are seeking a Personal Loan with Axis Bank, you can simply fill up an online loan application form after checking your Axis Bank Personal Loan Eligibility. Moreover, you can use an online Personal Loan EMI calculator available at our website to calculate your affordability.

Personalised Loan Offers

At IndiaLends, you can receive personalised loan offers and best deals at the best rate of interest. This is due to a tie-up with Axis Bank, which helps you get the best deal on your personal loan as per your profile.

Instant Approval

You will get an instant approval on your personal loan after you fill in an easy online application form.

Cash within 2 days

Soon after the loan is approved, the funds are transferred right into the borrower’s bank account within two working days. Thus, we need no room for delay.

Real Time Tracking Facility

After submission of your loan application at IndiaLends, you can track your application online and moreover, will receive updates of your submitted application form using both email and SMS.

Dedicated Customer Support

IndiaLends has a dedicated customer support team and helpline which is always ready to help with any grievances or questions from loan applicants.

How to Apply for Axis Personal Loans at IndiaLends?

At IndiaLends, applying for a Axis Bank Personal Loan is a simple process.

Step 1

Fill up an online loan application form

Step 2

We will review your application and
give you a decision within minutes

Step 3

You will be receiving your cash within few days

We will forward your loan application to your nearest Axis Bank branch. You can also check the status of your loan application through SMS alerts as well as emails.

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