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Axis Bank Personal Loan

Personal Loan

A Personal Loan can help you meet your urgent needs as well achieve your dreams. Apply for Axis Bank Personal Loans and fulfil all your requirements with ease. Whether you need money for a foreign trip, a sudden medical emergency or unexpected repairs for your house, an Axis Bank Personal Loan is the solution! Enjoy benefits such as fast processing, minimal documentation, competitive interest rates and flexible repayment options. What’s more, you can also transfer your current high-interest personal loan to Axis Bank and save on interest.

Max Loan Amount

Rs. 40 Lakhs

Max Loan Tenure

Up to 60 months

Interest Rate

Starting from 10.49% p.a.

Processing Fees

Up to 2% of loan amount + GST

Documents Required

No Documents for Pre-approved Personal Loan
For Non Pre-approved - Last 3 Months Bank Statements, 2 Latest Salary Slip and KYC

Personal Loan Details

  • Completely filled and duly signed application form along with applicants’ latest passport size colour photo

  • Self-attestation of borrowers on all documents

Other Important Documents and Checks
  • Latest 2 months pay slip

  • Latest 2 months bank statement showing salary credits

  • One year Employment proof (Not required if DOJ mentioned in payslip and working for more than 1 year)

Proof of Income
  • Passport

  • Pan Card

  • Banker's Verification

Signature Proof: Any one of the following:


PAN Card

Aadhaar Card with DOB

Driving license with Photograph

Birth Certificate

School Leaving certificate

Date of Birth Proof: Any one of the following:


Driving license with Photograph

Proof of possession of Aadhaar number

Voter's ID

Job Card by NREGA signed by an officer of the State Government

Letter issued by the National Population Register containing details of Name, Address

KYC Document: Any one of the following KYC documents(OVD) to be collected as per extant policy of RBI:

Documents required to process personal loan
  • Duly filled application form

  • KYC documents

  • Loan agreement duly signed and Standing Instruction (SI) Request / ECS Forms

Documents required for Personal Loan
  • Salaried Employees

    • Salaried doctors

    • Employees of public and private limited companies

    • Government sector employees including Public Sector Undertakings, Central and Local bodies

  • Minimum age of 21 years

  • Maximum age of 60 years at the time of maturity of the Personal Loan

  • Minimum net monthly income – Rs. 15,000

Individuals who can take a Personal Loan:

Turn your dreams into reality with a Personal Loan from Axis Bank. Take that vacation you have been delaying or complete the home renovation that has been pending. With an Axis Bank Personal Loan , you can do it all. You can use the Personal Loan EMI Calculator to calculate your monthly instalments way before you apply for a loan and have a definite estimate of your monthly payments well in advance.

Personal Loan Eligibility

Interest Rates & Charges

The right Personal Loan is determined by several factors. Interest rates are one of them. Other factors to look at would include an easy approval system/quick disbursals, processing charges, and so on. A Personal Loan from Axis Bank ensures that you can meet all your goals with ease. Be it the perfect wedding for yourself or your child, the complete renovation of your home or a fun-filled holiday. Avail a Personal Loan starting from Rs. 50,000 up to Rs. 40 Lakh with minimal.

However to make a duly informed decision be sure to go through the specifics of personal loan interest rates and charges applicable, below. These are subject to change basis the tenure of your loan and also highlight any ancillary charges that may be levied due to a change in payment tenures.

These include charges towards paying off your loan in part (over the agreed EMI) or entirely before its tenure is through, as well as charges levied in addition to the bank loan interest rates due to discrepancies in payment/non-payment of dues. So be sure to consider the interest rates and charges with respect to the amount to make the most of your availed loan. For further assistance in calculation you may also check the personal Loan EMI calculator.

Interest rates for Personal Loans

Fixed Rate Loan


Spread over 1 year MCLR

Effective ROI


Personal Loan



10.49% to 22%

No Reset

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