Personal Loan · Bank review
Axis Bank Personal Loan
Axis Bank offers one of the more competitive personal-loan rate sheets among private banks for premium-salaried applicants. Existing Axis salary-account customers see the sharpest rates; new-to-bank applicants get a fast digital journey via the Axis Mobile app.
By FinancePaisa Editorial Team · Research & editorialUpdated · 1 min read
Rates checked against the lenders' official pages on 28 September 2026. Your actual rate depends on your profile; confirm with the lender before you apply.
Official rate pages: Axis Bank
- Interest rate
- 9.99% – 22% p.a.
- Loan amount
- ₹50,000 to ₹50 lakh
- Tenure
- 12 to 84 months
- Processing fee
- 1.5% to 2% + GST
On this page (5 sections)
Key features
- Starting rate 9.99% p.a. for eligible salaried customers
- Loan amount from ₹50,000 up to ₹50 lakh
- Tenure 12 to 60 months
- Pre-approved insta-loan for existing Axis customers
- Balance transfer facility from other banks
Fees and charges
| Charge | Amount |
|---|---|
| Processing fee | Up to 2% (max ₹10,000) + GST |
| Foreclosure charges | 2-4% of outstanding |
| Part-payment | Allowed after 12 EMIs |
| Late payment | 24% p.a. on overdue |
| EMI bounce | ₹500 + GST |
Processing fee
- Amount
- Up to 2% (max ₹10,000) + GST
Foreclosure charges
- Amount
- 2-4% of outstanding
Part-payment
- Amount
- Allowed after 12 EMIs
Late payment
- Amount
- 24% p.a. on overdue
EMI bounce
- Amount
- ₹500 + GST
Eligibility
- Age 21 to 60 years for salaried
- Minimum monthly income ₹15,000 (₹25,000 in metros)
- Minimum 1 year with current employer, 2 years total experience
- Credit score 720+ preferred
Special segments
Axis Bank runs preferential rates for Burgundy Private / Priority customers, corporate salary channel accounts, and defence personnel. These segments often see rates starting at 10.49% and processing-fee waivers during festive campaigns.
Frequently asked questions
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