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Personal Loan from Axis Bank

Axis Bank Personal Loan
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Axis Bank division of personal Loan provides unsecured, collateral free Loans upto Rs. 20 Lacs to Employees of Private Limited, Government, PSU and Defence Personel with Minimum Documents and Fastest Loan Processing. Be it a home decoration or wedding or traveling to your favorite destination, you can instantly fulfill it with Axis Bank Personal Loans. So don't think, make it happen!

The features of our Personal Loans are :-

  • No Pre-payment and foreclosure charges after 1 EMI only.

  • Part Payment Facility with Nil Charges

  • Flexible repayment tenure”.


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  Self Employed
Age 25 - 65
Loan Amount 1-20 Lacs
Tenure  12-60
Rate of Interest / APR [Annual Percentage Rate] 15% - 22 %
Processing Fees 1 - 2%
Special Max loan on Income
Documentation Address Proof; Identity
Eligibility

Upto 70% of EBIDT as EMI

Axis Bank Personal Loan Eligibility Criteria for Salaried Employees

Graduate, MBA, Doctors, CAs, employees of MNCs/Public/Private/Government/Public Sector Undertakings and Central and Local bodies:

  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 58 years
  • Minimum Net Monthly Income: Rs 15,000
  • Maximum loan available: Rs 15 lacs

Axis Bank Personal Loan Eligibility Criteria Self-employed Professionals

Self-employed professionals include self-employed Doctors (MBBS and higher degree) having majority of their income from practice, Architects, Chartered Accountants & Company Secretary.

  • Minimum age of applicant: 24 years to 65 years at the time of loan maturity
  • Minimum Annual Net Profit: Rs 2 lac per annum
  • Maximum loan available: Rs 20 lacs for Self Employed doctors
  • Special scheme for Self Employed doctors

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How do I repay the loan?

You can repay the loan in Equated Monthly Installments (EMIs) through post dated - cheques, Standing Instructions and ECS facility.

Are there any additional charges?

A processing fee of 2% of the loan amount is payable upfront. This fee will be deducted from the disbursal amount payable to you.

Can I prepay my loan?

Yes, you can prepay the entire loan outstanding any time. No Prepayment charges to be levied on the outstanding loan amount. Part Prepayment is permitted.

Do I need to open an account with Axis Bank for availing and/or servicing the loan?


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Documents Required for Axis Bank Personal Loan:

  • Application form
  • Photograph
  • Age proof
  • ID proof
  • Income proof
  • Bank statement
  • Residence proof
  • Signature verification proof

Post Sanction / Pre Disbursement Documentation

  • Loan Agreement duly signed
  • Standing Instruction (SI) Request / ECS Form / Post Date Cheques (PDCs). Security Cheques required for SI and ECS

Qualification or registration proof required for doctors, architects, CA, CS, ICWA, MBA consultant, engineers Documentary proofs required may vary from customer to customer


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  • Rate of Interest :

Varies As Per Company Category Starts from 10.99% to 15.00%
  • Loan Processing Charges :

1.50% to 2.00% + Service Tax As per Loan Amount
  • Cheque Bounce Charges : 

Rs. 500 per cheque bounce
  • Foreclosure Charges :

Anytime with No Charges
  • Partial Repayment :

Anytime with No Charges Minimum Amount > 2 EMI
  • Default Interest Rate :

@24.00% per annum i.e 2% per month on the overdue installment

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About Axis Bank Personal Loan

Axis Bank is the third largest private sector bank in India. The Bank offers the entire spectrum of financial services to customer segments covering Large and Mid-Corporates, MSME, Agriculture and Retail Businesses. Axis Bank is one of the first new generation private sector banks to have begun operations in 1994.

The Bank was promoted in 1993, jointly by Specified Undertaking of Unit Trust of India (SUUTI) (then known as Unit Trust of India), Life Insurance Corporation of India (LIC), General Insurance Corporation of India (GIC), National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd. The share holding of Unit Trust of India was subsequently transferred to SUUTI, an entity established in 2003.


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Features of Axis Bank Personal Loan
  • Employees of select MNCs, Public and Private limited companies.
  • Government sector Employees including Public Sector Undertakings and Central and Local bodies, Quick Loans Process
  • Corporate Salary Account Holders
  • Self-employed Professionals include Doctors, Architects, Chartered Accountants & Company Secretary.
  • Total Repayment example:-
  1. Loan Amount            100000
  2. Rate                        10.99%
  3. Tenure                    60 Months
  4. Processing Fees         2%
  5. Interest                    30425
  6. Processing Fees        2000
  7. Total Repayment      130425

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Special Features & Benefits of Axis Bank

      Axis bank’s personal loans will give you a helping hand meet all your personal requirements.

    • Loans available for salaried individuals
    • Loans are available from Rs 50,000/- to Rs 20,00,000/-
    • Repayment tenures from 12 to 60 months
    • Best in Class Rate of Interest
    • Loans at higher rates can be transferred to Axis Bank with our Balance transfer facility.
    • Simplified documentation.
    • Simple procedure, minimal documentation and quick approval
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