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AXIS Bank Personal Loan

Axis Bank provides personal loans to its customers. The AXIS Bank Personal Loan can be used for various purposes like marriage and other social obligations, purchase of electronic goods, holidays and many more. However, there are certain factors on which the acceptance of the loan application depends.

Features and Benefits of Personal loan from Axis Bank: 

  • Get a loan amount between Rs 50,000 to Rs 15,00,000.
  • Decide your repayment tenure from 12 to 60 months 
  • Interest rates starting from 15.50% 
  • eDGE Loyalty reward points ranging from 150 to 450 points based on the loan disbursal

Eligibility Criteria for AXIS Bank Personal Loan: 

For Salaried Employees:

  • Applicant needs to have a minimum age of 21 years.
  • Applicant's age can be a maximum of 60 years on loan maturity.
  • A minimum of 1 year of cumulative experience is required for both salaried individuals and professionals. 
  • Applicant's minimum net monthly income must be Rs. 15,000
  • Maximum loan that is available is Rs. 10 lacs.

For Self-employed doctors:

  • Minimum age of the applicant needs to be 24 years.
  • Maximum age allowed on loan maturity is 65 years.
  • Two years of continuous employment is required.
  • Minimum gross annual income needs to be Rs. 2.40 lacs.
  • Maximum available loan is Rs. 20 lacs.

Looking for a Axis Bank Car loan, click the link for more information - Axis Bank Car Loan

Documents required for Axis Bank 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

Charges and interest rates for AXIS Bank Personal Loan:

  • Rate of interest can vary between 15.50 % - 24%
  • The charges for loan processing is 1.50% to 2.00% + Service charge as applicable
  • Cheque bounce will cost Rs. 500 for every single bounce along with the service charges
  • Prepayment/Foreclosure charges are not applicable

Axis Bank is offering Personal Loans only at the below given locations:

Tier 1

Bangalore, Chennai, Delhi, Mumbai, Hyderabad, Gurgaon, Noida, Ghaziabad, Faridabad

Tier 2

Pune, Ahmedabad, Kolkata

Tier 3

Coimbatore, Kochi, Jaipur, Lucknow, Patna, Jamshedpur, Vadodara, Trivandrum, Vishakhapatnam, Bhubaneshwar, Trichy, Surat, Nashik, Aurangabad, Goa, Guwahati, Nagpur, Chandigarh

Tier 4

Bhopal, Calicut, Jodhpur, Mysore, Pondicherry, Raipur, Rajkot, Durgapur, Dehradun, Hubli, Jalandhar, Kolhapur, Ludhiana, Madurai, Mangalore, Patiala, Siliguri , Ranchi, Tirunelveli, Udaipur, Vijaywada, Indore, Ajmer, Allahabad, Bhatinda, Belgaum, Bhavnagar, Bhilwara, Jamnagar, Kanpur, Kota, Salem, Ujjain, Warangal, Mehsana


Hi, I am Shabana Biradar working in Infosys BPO(Pune) for more than 4.5 yrs , My salary is above 15000. I need a personal loan of 3 lakh, but I do not have any account in SBI. Kindly let me know. 9890786232 / 02024283725 / 8805724756

Hi, I am Jeetendra.K.Salvi working with WNS Global Services P.Ltd since last 1 year n need a personal loan of rs.1 Lac but dont know which bank to approah as i am staying with my family on a rental basis since last 2 years at the same flat..pls contact me on +91-9764747847 or on +91-9527818737 if can help me getting the loan

Hi, I am Jeetendra.K.salvi working with WNS Global Services P.Ltd since last 1 year, my salary is 17300 and need a personal loan of 1 Lac but dont know which bank can give the same as i am staying or a rental basis with my family on sinhagadh road dhayri sice last 2 years.. kindly let me know. +91-9764747847/+91-9673908342/+91-9527818737