Personal Loan

Apply for Personal Loan Online in Axis Bank

✔ Simplified Access
✔ Minimal documentation and quick approval
✔ Minimum - Rs. 50,000
✔ Maximum - Rs. 15,00,000
✔ Balance Transfer
✔ Carry over existing loans from other banks to Axis Bank
✔ Axis eDGE Rewards
✔ Earn reward points on taking a Personal Loan

Personal Loan Features and Benefits

A Personal loan can come handy when you are going on a vacation, renovating your home or planning that dream wedding. Get a loan between Rs. 50,000 to Rs. 15,00,000 with minimal documentation and quick approval at Axis Bank. There are plenty of benefits when it comes to personal loans. You can transfer your existing loans at higher rates to Axis Bank as well. One needs to be of a minimum age of 21 years and should have a valid set of documents like ID proof, income proof and residence proof amongst other documents to avail the loan.

To ease the burden of paying off the loan immediately, you may opt for the EMI (Equated Monthly Instalment) facility. The repayment tenure can range from anywhere between 12 to 60 months. Best rates are made available for all customers of Axis Bank!

To know how much you need to pay per month, there is a personal loan calculator at your disposal. You can choose your tenure and the amount that you are comfortable with to repay each month of the chosen tenure. With the Personal Loan EMI Calculator, you may also calculate the compound interest and know exactly how much you need to finally part with including the interest.

With a quick approval on personal loans, see your aspirations turn into reality!

  • Meet all your aspirations
  • Get assistance from Axis Bank Personal Loans and don’t let the need for money hold you back
  • Choose your amount
  • Decide your tenure
  • Calculate your loan EMIs
  • Enjoy the best rates
  • Transfer existing loans
  • Get a loan hassle-free
  • Axis eDGE Reward points
  • Axis Bank 24x7 Instant Personal Loan

Personal Loan Eligibility & Documentation

Turn your dreams into reality with a personal loan . Take that vacation you have been delaying, or complete the home renovation that has been pending for over a year. With Axis Bank Personal Loan, you can achieve all your goals. What with a Personal Loan EMI Calculator at your disposal, you can calculate your monthly instalments way before you apply for a loan and have a definite estimate of your monthly payments well in advance. You will have to fulfil certain requirements to be eligible for a personal loan, the documents and eligibility criteria are mentioned below. So go ahead, get the personal loan and watch your dreams come true!

Personal Loan Eligibility

Individuals who can take a Personal Loan

  • 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
  • Minimum age of 21 years
  • Maximum age of 60 years at loan maturity
  • Minimum net monthly income – Rs. 15,000

Keep your documents ready

Documents required for Personal Loan

  • Application form
  • Photograph
  • Age proof
  • ID proof
  • Income proof
  • Bank statement
  • Residence proof
  • Signature verification proof

Post-sanction / pre-disbursement documentation

  • Loan Agreement duly signed
  • Standing Instruction (SI) Request / ECS Form. Security Cheques required for SI and ECS

Qualification or registration proof required for doctors, architects, CA, CS, ICWA, MBA consultant, engineers may vary from customer to customer

Personal Loan Interest Rates and Charges

A personal loan ensures that you need not go back on your targets that you have set for yourself. Be it the perfect wedding for your daughter, the complete renovation for your new apartment or a fun-filled holiday for your family. Get the best personal loan Interest Rate with Axis Bank. Here are the list of charges and interest rate details for personal loans.

Interest Rates & Charges*
Rate of Interest15.50% to 24%
Loan Processing Charges1.50% to 2.00% + GST as applicable
Cheque Bounce ChargesRs. 500 per cheque bounce + GST as applicable
Cheque/ Instrument Swap chargesRs.500 per instance + GST as applicable
Prepayment/ Forclosure ChargesNil
Default Interest Rate@24.00% per annum i.e 2% per month on the overdue installment

Duplicate Statement Issuance Charges                    

Duplicate Amortization Schedule Charges                    

Duplicate Interest Certificate
(Provisional/ Actual) issuance Charges

Rs 250 per instance + GST as applicable
Cibil Report Issuance Charges Stamp Duty Charges

Rs. 50/- per instance per set+ GST as applicable

As per State Stamp Act

Issuance Charges for Photocopy of Loan Agreement/ DocumentsRs 250 per instance + GST as applicable
*(Subject to change as per Bank’s discretion from time to time)
* Goods and Services tax (GST) will be charged extra as per the applicable rates, on all the charges and fees (wherever GST is applicable)

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