Axis Bank Personal Loan 2025 - Interest Rates, Eligibility & Apply Online
Get Axis Bank Personal Loan at interest rates starting from 10.99% p.a. Instant approval, flexible tenure, and loan amount up to ₹40 lakhs. Apply online now.
Axis Bank Personal Loan
Instant approval with competitive rates and top-up facility
Why Choose Axis Personal Loan?
- Instant approval for pre-qualified customers
- Competitive interest rates
- Top-up facility available
- Flexible repayment options
- 100% digital process
| Particulars | Details |
|---|---|
| Interest Rate | 10.49% - 22% p.a. |
| Loan Amount | ₹50,000 - ₹40,00,000 |
| Loan Tenure | 12 - 60 months |
| Processing Fee | Up to 2% of loan amount + GST |
| Prepayment Charges | Nil for floating rate loans |
| Late Payment Charges | ₹500 per installment + GST |
For Salaried Individuals
- Age: 21 to 60 years
- Minimum Monthly Income: ₹15,000 (Metro/Urban), ₹12,000 (Others)
- Work Experience: Minimum 1 year, 6 months with current employer
- Credit Score: 750 or above preferred
For Self-Employed Individuals
- Age: 21 to 65 years
- Minimum Annual Income: ₹3,00,000
- Business Vintage: Minimum 3 years
- ITR for last 2 years required
Quick Approval
Get instant approval and disbursal within 24 hours
Flexible Tenure
Choose repayment tenure from 12 to 60 months
No Collateral
Unsecured loan with no security required
Minimal Documentation
Simple documentation process for quick processing
Free Prepayment
No charges on prepayment for floating rate loans
Digital Process
Complete online application with doorstep service
For Salaried
- PAN Card
- Aadhaar Card
- Last 3 months salary slips
- Last 6 months bank statements
- Employment proof
- Passport size photographs
For Self-Employed
- PAN Card
- Aadhaar Card
- Last 2 years ITR with computation
- Last 12 months bank statements
- Business proof documents
- Passport size photographs
Fill Application Form
Click on Apply Now and fill the online application form with your details
Submit Documents
Upload required documents online or submit at nearest branch
Get Approval
Receive instant approval based on your eligibility and credit score
Loan Disbursal
Get loan amount credited to your account within 24 hours
What is the minimum salary required for Axis Bank Personal Loan?
The minimum monthly salary required is ₹15,000 for metro/urban areas and ₹12,000 for other locations.
How long does it take to get loan approval?
Axis Bank provides instant approval for eligible customers, and the loan amount is disbursed within 24 hours of approval.
Can I prepay my Axis Bank Personal Loan?
Yes, you can prepay your loan without any charges for floating rate loans. Fixed rate loans may have prepayment charges.
What is the maximum loan amount I can get?
You can get a personal loan up to ₹40 lakhs from Axis Bank, subject to your eligibility and income.
Is there any processing fee?
Yes, Axis Bank charges a processing fee of up to 2% of the loan amount plus applicable GST.