axis bank personal loan

Here are a few factors

Product Rating

( 4.6 /5 )

Total - 253 ratings

Location PAN INDIA
CIBIL Score 690+
Minimum Salary Per Month 25000/- Existing Customer & CAT A  Employee
 35000/- For Other
Applicant Age 21 Year to 59 Year
Loan Amount & Tenure 1 Lac to 40 Lac
(12 Month to 60 Month)
Rate of Interest (Type) 11.15% to 16.25% (Reducing)
Processing Fees 1% - 2%
Processing Mode & TAT Processing: Online
TAT: 1 Day to 5 Days
Part Payment Allowed Yes After 1 Month
OD Product No
BT+TopUp Yes
Minimum Job Experience 3 Month
Current Employer Business Vintage 2 Years
FOIR 70% of Net Salary
Whether Co-Applicant Mandatory No
USP Funding to Defence & Police Employees
Negative Profile 1. NRI Employee
2. Employee whose Salary receive in Cash, UPI & IMPS
3. NGO Employee, Taxi Driver, Real Estate Employee, Bartenders, Security Gaurds ,SPA & Salon Employee, 4th Grade Employee, Jewellers Employee

axis bank personal loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %11 %
Tenure (months)12
Emi (monthly)8,838
Total Interest6,058
Loan Amount + Interest106,058
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
23,9822,53226,51476,01823.98 %
Oct7,9219178,83892,0797.92 %
Nov7,9948448,83884,08515.92 %
Dec8,0677718,83876,01823.98 %
76,0153,52779,5423100.00 %
Jan8,1416978,83867,87732.12 %
Feb8,2166228,83859,66140.34 %
Mar8,2915478,83851,37048.63 %
Apr8,3674718,83843,00357.00 %
May8,4443948,83834,55965.44 %
Jun8,5213178,83826,03873.96 %
Jul8,5992398,83817,43982.56 %
Aug8,6781608,8388,76191.24 %
Sep8,758808,8383100.00 %
Right Document : Easy Process

Required Documents to Apply for Axis Bank Personal Loan

  • KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
  • Last 3 month Salary Slip
  • Last 6 month Bank Statement in PDF
  • Form 16 of last 2 year
  • Rent Agreement if rented or Utility Bill if residence is owned
  • Sanction Letter of all current running loan if any
  • Office ID Card or Official EMAIL ID if any

About Axis bank Personal Loan

If you have known anyone who has taken a personal loan, then you've probably seen how beneficial these loans can be in securing your financial future. Especially when you are considering whether or not taking up a personal loan is the right thing for you, you should know about all the benefits that the Axis Bank Personal Loan offers. Personal loans from Axis Bank can help you accomplish your plans. Some of the benefits of these loans include minimal documentation and speedy approval. Personal loans from Axis Bank start at an attractive interest rate, and you can get the money within 48 hours.

Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.

Let us take an example, How EMI is being calculated

For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee upto 2-3% of loan amount may apply. T&C apply.
Year Principal
Total Payment
(A + B)
Balance Loan Paid To Date
2022 ₹ 11,363 ₹ 5,969 ₹ 17,333 ₹ 88,637 11.36%
Aug ₹ 2,217 ₹ 1,250 ₹ 3,467 ₹ 97,783 2.22%
Sep ₹ 2,244 ₹ 1,222 ₹ 3,467 ₹ 95,539 4.46%
Oct ₹ 2,272 ₹ 1,194 ₹ 3,467 ₹ 93,267 6.73%
Nov ₹ 2,301 ₹ 1,166 ₹ 3,467 ₹ 90,966 9.03%
Dec ₹ 2,329 ₹ 1,137 ₹ 3,467 ₹ 88,637 11.36%
2023 ₹ 30,332 ₹ 11,266 ₹ 41,598 ₹ 58,305 41.70%
Jan ₹ 2,359 ₹ 1,108 ₹ 3,467 ₹ 86,278 13.72%
Feb ₹ 2,388 ₹ 1,078 ₹ 3,467 ₹ 83,890 16.11%
Mar ₹ 2,418 ₹ 1,049 ₹ 3,467 ₹ 81,472 18.53%
Apr ₹ 2,448 ₹ 1,018 ₹ 3,467 ₹ 79,024 20.98%
May ₹ 2,479 ₹ 988 ₹ 3,467 ₹ 76,545 23.45%
Jun ₹ 2,510 ₹ 957 ₹ 3,467 ₹ 74,036 25.96%
Jul ₹ 2,541 ₹ 925 ₹ 3,467 ₹ 71,495 28.51%
Aug ₹ 2,573 ₹ 894 ₹ 3,467 ₹ 68,922 31.08%
Sep ₹ 2,605 ₹ 862 ₹ 3,467 ₹ 66,317 33.68%
Oct ₹ 2,638 ₹ 829 ₹ 3,467 ₹ 63,679 36.32%
Nov ₹ 2,671 ₹ 796 ₹ 3,467 ₹ 61,009 38.99%
Dec ₹ 2,704 ₹ 763 ₹ 3,467 ₹ 58,305 41.70%
2024 ₹ 35,208 ₹ 6,390 ₹ 41,598 ₹ 23,097 76.90%
Jan ₹ 2,738 ₹ 729 ₹ 3,467 ₹ 55,567 44.43%
Feb ₹ 2,772 ₹ 695 ₹ 3,467 ₹ 52,795 47.20%
Mar ₹ 2,807 ₹ 660 ₹ 3,467 ₹ 49,988 50.01%
Apr ₹ 2,842 ₹ 625 ₹ 3,467 ₹ 47,147 52.85%
May ₹ 2,877 ₹ 589 ₹ 3,467 ₹ 44,270 55.73%
Jun ₹ 2,913 ₹ 553 ₹ 3,467 ₹ 41,356 58.64%
Jul ₹ 2,950 ₹ 517 ₹ 3,467 ₹ 38,407 61.59%
Aug ₹ 2,986 ₹ 480 ₹ 3,467 ₹ 35,420 64.58%
Sep ₹ 3,024 ₹ 443 ₹ 3,467 ₹ 32,397 67.60%
Oct ₹ 3,062 ₹ 405 ₹ 3,467 ₹ 29,335 70.67%
Nov ₹ 3,100 ₹ 367 ₹ 3,467 ₹ 26,235 73.76%
Dec ₹ 3,139 ₹ 328 ₹ 3,467 ₹ 23,097 76.90%
2025 ₹ 23,097 ₹ 1,169 ₹ 24,266 ₹ 0 100.00%
Jan ₹ 3,178 ₹ 289 ₹ 3,467 ₹ 19,919 80.08%
Feb ₹ 3,218 ₹ 249 ₹ 3,467 ₹ 16,701 83.30%
Mar ₹ 3,258 ₹ 209 ₹ 3,467 ₹ 13,443 86.56%
Apr ₹ 3,298 ₹ 168 ₹ 3,467 ₹ 10,145 89.86%
May ₹ 3,340 ₹ 127 ₹ 3,467 ₹ 6,805 93.19%
Jun ₹ 3,381 ₹ 85 ₹ 3,467 ₹ 3,424 96.58%
Jul ₹ 3,424 ₹ 43 ₹ 3,467 ₹ 0 100.00%
Leave Your Question


AXIS bank personal loan is an unsecured loan that you can get from this bank to help you meet your financial obligations. It can be marriage, travel, shopping, study, etc.

When you need credit, apply for an AXIS Bank personal loan. The bank then verifies and accepts your unique loan application when you submit it to them. The loan money is then transferred to your bank account. You must reimburse the lender via EMIs for the duration of the loan repayment period after receiving the loan amount.

Axis Bank offers Personal loans from Rs. 1,00,000 to Rs.40,00 000.

Yes, AXIS Bank will charge you non-refundable processing charges, ranging from 1% to 2% of the loan amount, plus GST as applicable.

You can update your details under your AXIS Bank personal loan application. There are two ways to do it:

1. Call our Call Centre.

2. Write to us Online:

  An Axis Bank Personal Loan is a way to borrow money from the bank to help pay for things you need or want, like medical expenses, home renovation, travel, or debt consolidation. It is a type of loan that does not require you to give anything as security.

Yes, you can use an Axis Bank Personal Loan for any personal need or want that you have, like paying for a medical emergency, renovating your home, or taking a trip.

  Yes, you can prepay your Axis Bank Personal Loan anytime during the loan tenure without any prepayment charges. However, the bank may levy certain charges if you opt for foreclosure of the loan. It is advisable to check the foreclosure charges before opting for prepayment.

 A personal loan is a type of loan that doesn't require any collateral, meaning you don't have to put up any assets such as your home or car as security. You can use a personal loan for many different things, like purchasing a new TV or home theatre system, paying for a medical emergency, taking a vacation abroad, or even investing in your business.

 You can check Axis bank personal loan status by calling the bank officials at 1860 419 5555 or 1860 500 5555. You can also use the online mode and get the status by using your mobile number and date of birth or reference number or by logging into the internet banking portal. You also have the option of visiting the bank branch and meet the officer in charge to know the status of the personal loan application.

 You can contact Axis bank customer care executives by calling on 1860 419 5555 or 1860 500 5555. If you need to contact the executives when you are outside India, you can dial 022 – 6798 7700. If you are an NRI, you can call on the toll-free numbers listed on the bank's website or reach them at 040 – 6717 4100.

 You can keep track of your personal loan from Axis Bank by requesting the bank for your Interest Certificate, Repayment Schedule, or Statement of Account. You may do so by calling the bank’s customer care number, or writing from your registered email ID and sending a mail to [email protected], or visiting a branch of the bank.

 You can apply for an Axis Bank personal loan by visiting the official website of the company, or by visiting the nearest branch, or by calling the bank’s call centre.

 The EMIs towards your Axis Bank personal loan can be paid using post-dated cheques, Electronic Clearing Service, or through Standing Instruction.

 Yes, you absolutely can! A personal loan from Axis Bank can help you pay for your travel expenses such as airfare, lodging, and other costs. This way, you can finally take that dream vacation you've always wanted.

 Yes, there are many other ways to use a personal loan from Axis Bank. For example, you can use it to consolidate high-interest debt, pay for home repairs or renovations, cover unexpected medical expenses, or even make a down payment on a new car.

The loan amount for a personal loan depends on your eligibility, income, and creditworthiness. The loan amount you can apply for will vary based on your individual financial circumstances and can range from Rs. 1 lakh to Rs. 40 lakhs.

You can apply for an Axis Bank Personal Loan online by visiting their website or mobile app, or by visiting the nearest Axis Bank branch. You will need to provide some basic personal and financial details, and may need to submit some documents.

To be eligible for an Axis Bank Personal Loan, you need to be a salaried individual between the ages of 21 and 59 years old, and your net monthly income should be at least Rs. 25,000.

To be eligible for an Axis Bank Personal Loan, you need to be between 21 to 59 years of age, have a minimum monthly income of Rs. 25,000, and meet other factors that determine your ability to repay the loan. These factors may include your credit score, employment status, and other financial liabilities.

 Once your loan application is approved and all the necessary documents are verified, the loan amount will be disbursed directly to your bank account. This process may take up to 2-3 working days from the date of loan approval.

 The repayment tenure for an Axis Bank Personal Loan may range from 12 to 60 months, depending on the loan amount and other factors. You can choose a repayment tenure that suits your financial needs and repayment capacity.


 The interest rate for an Axis Bank Personal Loan is calculated based on various factors, such as your credit score, loan amount, repayment tenure, and other financial liabilities. The interest rate may vary from person to person based on their individual profile and creditworthiness. 

 The interest rate for Axis Bank Personal Loan can be different for different people, but it usually ranges from 11.15% to 16.25%. It depends on things like how much you borrow, how long you take to pay it back, and how good your credit score is.

 Foreclosing a personal loan means paying off the entire loan amount before the end of the loan tenure.

  Yes, there may be charges for foreclosing your Axis Bank Personal Loan. You can check the prepayment/foreclosure charges on the bank's website or by contacting your nearest Axis Bank Loan Centre.

 Before applying for foreclosure of your Axis Bank Personal Loan, you should first check for and clear any remaining amount that may be payable towards your loan. You can request a foreclosure statement from your nearest Axis Bank Loan Centre to know the outstanding dues.

If you have an Axis Bank Personal Loan and need to update your phone number or email address, there are two ways you can do so. The first way is by calling the Axis Bank Call Centre and providing them with your updated contact details. The customer service representative will assist you in updating your phone number and email address over the phone.

Alternatively, you can visit the nearest Axis Bank branch and request to update your contact information in person.

You have three options for repaying your Axis Bank Personal Loan - Standing Instruction (SI), Electronic Clearing Service (ECS), and Post-Dated Cheques (PDCs).

Standing Instruction (SI) is a mode of payment where your EMI amount is debited automatically from your Axis Bank savings, salary, or current account at the end of each monthly cycle.

Electronic Clearing Service (ECS) is a mode of payment where your EMI amount is debited automatically from your non-Axis Bank account at the end of each monthly cycle.

Post-Dated Cheques (PDCs) are cheques that are submitted to Axis Bank Loan Centre for your EMIs. The cheques are collected at non-ECS locations only.

We recommend opting for either Standing Instruction (SI) or Electronic Clearing Service (ECS) as they are faster and less prone to errors than Post-Dated Cheques (PDCs).

Yes, you can apply for a personal loan for a wedding to cover the expenses of your special day. It can be a great way to make your wedding memorable.

No, you do not need to produce any medical reports or hospital bills to apply for a personal loan for a medical emergency. It can be easily borrowed to cover medical expenses.

If you have used up your term loan limits allowed by your bank, you can apply for a personal loan. The loan will be sanctioned based on your credit history and can be used for your business needs.

Axis Bank offers Personal Loans ranging from Rs. 1,00,000 to Rs. 40 Lakhs, with minimal documentation requirements and quick processing times. The amount you can borrow depends on various factors, including your income, credit history, and other eligibility criteria.

 Yes, banks charge a fee for processing your Personal Loan application. It is called a processing fee, and it is not refundable. The processing fee to get an Axis Bank Personal Loan ranges between 1% to 2% of the loan amount plus GST as applicable.

 You can choose a flexible tenure that suits you, which can be anywhere between 12 to 60 months.

 At Axis Bank, you can get a Personal Loan from Rs. 1,00,000 to Rs. 40,00,000. But the loan amount that you can get depends on some factors such as your requirement, eligibility, income, and repayment capacity.

 Axis Bank will give you a decision within 4 working days from the date of receiving your application, provided it is complete in all respects. The 4-day period starts from the day when all the documents required for a proper appraisal of the application are provided by you to the bank.

If you are interested in applying for an Axis Bank Personal Loan, there are three convenient ways to do so. The first option is to apply online by clicking on the link provided. This will take you to the bank's website where you can fill out the application form and submit it electronically. The second option is to visit any Axis Bank Loan Centre. You can find the one closest to you by clicking on the link provided. At the loan centre, you can speak with a representative who will help you with the application process. Lastly, you can call the Axis Bank Call Centre to initiate the application process. To find the phone number

 No, personal loans are not a part of your income, so they are not eligible for tax being charged on the disbursed amount. As a result, they are also not eligible for any rebate on taxes, which may be the case for Home Loans and some Secured Business Loans.

 The higher your credit score, the better are the chances of your loan application (be it for any kind of loan including but not restricted to bank personal loans) getting approved. If your credit score is below 690, there is a possibility that your chance of getting a personal loan might decrease, or you may be granted a lower amount or a higher interest rate. 

If you are a salaried individual looking to avail a Personal Loan, there are certain documents that you need to share with the bank to confirm your personal and professional details. These include KYC documents such as proof of age and nationality, along with documents declaring your continued employment. Additionally, you will need to fill out a loan application form. Providing these documents helps the bank assess your eligibility for a Personal Loan and your repayment capacity.

When applying for a personal loan, one of the key requirements is to provide proof of income. To fulfill this requirement with Axis Bank, you need to provide the following documents:

Firstly, the latest two months' pay slips, which will demonstrate your regular salary payments. Secondly, the latest two months' bank statement, which should show salary credits to your account. Finally, if you have not been working with your current employer for more than one year or if your date of joining is not mentioned in the payslip, you will need to submit employment proof for the past one year.