Axis Bank is a private sector bank founded in 1990 and headquartered in Mumbai. We hold dated rates for four of its products and score each of them, giving it an overall Credsir rating of 3.1 out of 5.
Best for: borrowers who want a personal loan from a large private bank and will trade 1.00 points against the market’s best rate for it.
What it does well
- Narrow gap between the advertised home loan rate and its published ceiling, so the headline number is closer to a real offer — 5/5
- Personal loan processing fee is among the lowest in the table — 4.4/5
Where it falls short
- Home loan starts 0.80 points above Bank of Baroda, the cheapest lender we track — #12 of 12
- Personal loan starts 1.00 points above HDFC Bank, the cheapest lender we track — #5 of 8
- Pays 1.75 points less on a fixed deposit than Suryoday Small Finance Bank, the best payer we track — joint #9 of 12
Rates and fees
| Product | Advertised rate | Maximum rate | Terms | Fee |
|---|---|---|---|---|
| Home loan | 8.00% | 9.90% | Repo-linked (EBLR) | Up to 1%, min ₹10,000 |
| Personal loan | 10.99% | 22.00% | Up to 7 years | Up to 2% |
| Fixed deposit | 6.50% | — | 7.25% for senior citizens | 18 months to 10 years (senior rate at 5–10 years) |
| Credit cards | — | — | 2 cards reviewed | — |
Updated 15 Aug 2026 · Axis Bank’s rate cards and published comparisons, across 4 products. Advertised rates are the floor, not an offer.
Axis Bank products, rated
We score each product against every other provider we track for it. The same formula runs on every bank on this site, and we publish it in full.
Home loan — 3.3/5
| Rate from | 8.00% (starting rate) |
|---|---|
| Maximum rate | 9.90% |
| Terms | Repo-linked (EBLR) |
| Fee | Up to 1%, min ₹10,000 |
How it compares: the cheapest provider we track for this product is Bank of Baroda at 7.20%, 0.80 percentage points cheaper. The full table sits on our home loan interest rates page.
Personal loan — 3.4/5
| Rate from | 10.99% (starting rate) |
|---|---|
| Maximum rate | 22.00% |
| Terms | Up to 7 years |
| Fee | Up to 2% |
How it compares: the cheapest provider we track for this product is HDFC Bank at 9.99%, 1.00 percentage points cheaper. There is a fuller breakdown of the Axis Bank personal loan, including what the ceiling rate costs in rupees.
Fixed deposit — 2.7/5
| Rate up to | 6.50% (regular customer) |
|---|---|
| Senior citizens | 7.25% |
| Tenure for the top rate | 18 months to 10 years (senior rate at 5–10 years) |
| Our ranking | Joint #9 of 12 providers we track |
How it compares: the best-paying provider we track for this product is Suryoday Small Finance Bank at 8.25%, 1.75 percentage points better. See where the whole market sits on best FD rates.
Credit cards — 3.1/5
Two Axis Bank cards are reviewed and scored on the same formula as every other card on this site.
How we rated this bank
We take no money for ratings, and no bank can influence one. Every score above is simple maths on a dated rate table. Change the table and the score moves by itself. Read the full method.
| Products rated | 4 — every product we hold a dated rate for at Axis Bank |
|---|---|
| Competitor rates compared | 32 |
| Paid for this rating | ₹0 |
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