If you’re looking for a personal loan, Axis Bank offers a hassle-free process with attractive interest rates and flexible repayment options. Below, you’ll find all the key details related to Axis Bank Personal Loan 2025, including eligibility criteria, interest rates, application process, required documents, and more.
If you need a personal loan and are looking for a high loan amount with competitive interest rates, Axis Bank Personal Loan could be a great option. Whether you need ₹50,000 or ₹40 lakh, your loan amount will depend on factors like credit score, income, and eligibility.
In this guide, we’ll cover how to apply, eligibility criteria, interest rates, required documents, and more.
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1. Key Features of Axis Bank Personal Loan 2025
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 to ₹40 lakh |
| Repayment Tenure | 12 to 84 months (1 to 7 years) |
| Application Process | Online |
| Processing Fee | Up to 2% of loan amount + GST |
| Disbursal Time | Within 48 hours |
| Collateral Required | No collateral required |
Benefits of Axis Bank Personal Loan
If you’re considering taking a personal loan from Axis Bank, here are some key benefits that make it a great choice:
No Collateral Required – No need to mortgage property or provide a guarantor.
Quick Online Application – Apply from the comfort of your home, no branch visit required.
Flexible Repayment Tenure – Choose a tenure between 12 to 84 months (1 to 7 years).
Low-Interest Rates – Competitive rates, starting from 10.49% per annum.
Fast Loan Disbursal – Get the loan amount credited within 48 hours after approval.
High Loan Amount – Borrow from ₹50,000 to ₹40 lakh, depending on eligibility.
No Restrictions on Usage – Use the loan for travel, wedding, education, medical expenses, or any other personal need.
Eligibility Criteria for Axis Bank Personal Loan
To qualify for an Axis Bank personal loan, applicants must meet the following requirements:
🔹 Age Requirement:
- Minimum: 21 years
- Maximum: 60 years (for salaried) / 65 years (for self-employed)
🔹 Income Requirement:
- Axis Bank account holders: Minimum ₹15,000 per month salary
- Non-Axis Bank customers: Minimum ₹25,000 per month salary
🔹 Employment Criteria:
- Salaried employees (Private/Government/MNCs)
- Self-employed individuals with a stable income
🔹 Credit Score:
- A CIBIL score of 700+ is recommended for better loan terms.
🔹 Existing Loan Status:
- No major outstanding loan defaults should be present.
Axis Bank Personal Loan: Required Documents & Application Process
Required Documents for Axis Bank Personal Loan
To apply for a personal loan from Axis Bank, you need the following documents:
📌 Loan Application Form – Properly filled and signed.
📌 Passport Size Photograph – Recent (not older than 6 months).
📌 KYC Documents (Any One):
- Aadhaar Card
- Passport
- Voter ID
- NREGA Card
📌 Proof of Birth (Any One):
- Aadhaar Card
- PAN Card
- Birth Certificate
- Driving License
- Passport
- School Certificate
📌 Proof of Signature (Any One):
- Passport
- PAN Card
- Bank Verification
📌 Income Proof for Salaried Employees:
- Last 3 months’ salary slips
- Latest Form 16
- 3 months’ bank statement (with salary credits)
📌 Income Proof for Self-Employed Individuals:
- Last 2 years’ ITR (Income Tax Return)
- Business proof (GST registration, Business Registration Certificate)
- 6 months’ bank statement
Axis Bank Personal Loan Interest Rate
🔹 Interest Rate: Starts at 10.75% per annum
🔹 Factors Affecting Interest Rate:
✅ Credit Score
✅ Income Level
✅ Employment Type
✅ Loan Amount & Tenure
How to Apply for Axis Bank Personal Loan (Online Process)
1️⃣ Visit the Official Website: Go to www.axisbank.com
2️⃣ Navigate to Personal Loans: Click on “Personal” in the header menu, then select “Personal Loan”.
3️⃣ Click on “Apply Now”: This will open the loan application page.
4️⃣ Enter Your Mobile Number: Use the mobile number linked to your Aadhaar card.
5️⃣ Complete KYC Verification: Fill in the required details and upload necessary documents (PAN, Birth Certificate, etc.).
6️⃣ Loan Offer & Interest Rate: The system will evaluate your eligibility and provide a loan offer.
7️⃣ Submit Loan Application: Review the details and submit your request.
8️⃣ Loan Disbursal: Once approved, the loan amount will be credited directly to your bank account.
🔹 Processing Time: Usually within 48 hours after approval.
🔹 Loan Amount: ₹50,000 to ₹40 Lakh
🔹 Repayment Tenure: 12 months – 84 months
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F.A.Q.
You can avail a loan ranging from ₹50,000 to ₹40 lakh, depending on your eligibility.
The interest rate starts at 10.75% per annum. The exact rate depends on factors like your credit score, income, and repayment capacity.
You can repay the loan within 12 months to 84 months (1 year to 7 years).
You can apply online via the Axis Bank website or visit the nearest branch for an offline application
Yes, but prepayment charges may apply. It’s best to check the terms before applying
