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Rate Fee & Other Charges
Salary Account Net Take Home Salary [Rupees] Rate of Interest "Processing Fee [%age of Loan Amount]" Charges Other Features (USP)
Loan Amount Above 10 lacs Any Bank Greater than 75000 10.49% Rs. 3999/- *Pre Closure Charges -
Loan > 10 Lacs -Nil
Loan <10 Lacs
<12 EMI - 5%
>12 EMI - 4%
>24 EMI - 3%
>36 EMI - 2%
*Pre Closure Charges -
*1 EMI Locking period,
* Foreclosure charges and 12 times part paymemnt allowesd in a year
*Credit Card Outstanding Not Considered in Personal Loan Eligibility Calculation
*Blue Collared Employee Loan Permitted - Only salary Axis Bank Holders
Loan Amount Below 10 lacs Axis Bank

Above 15000

35000 to 50000

50000 to 75000

Greater than 75000




Other Banks

35000 to 50000

50000 to 75000

Greater than 75000



Government Other Banks Greater than 75000 11.75% 0.75%
Axis Bank 11.25%
Balance Transfer [Credit Card / Personal Loan] Less than 40000 12.25% Min. 0.99% or
Max. 3999/-
Greater than 40000 11.25% Min. 0.99% or
Max. 3999/-
Greater than 50000 10.40% Min. 0.75% or Max. 3999/-

General Information

Loan Amount: Rs. 1 Lac to 40 Lacs
Rate of Interest (APR)*: 10.40% to 22.50%
Repayment Tenor:  12 Months to 60 Months
Processing Fees: 0.75% to 2.50% + GST as applicable
Prepayment/ Foreclosure: Nil (After 12 months) or 1% - 4% (Before 12 months)

Illustration: Rs. 1 Lac loan on @10.75% with processing Fees for 60 Months comes to Rs. 1,29,708/- Equated Monthly Instalment shall be: Rs. 2,162/- only.

APR* - Annual Percentage Rate

* Terms and Conditions Apply

Note:- Above offer is applicbale only for fresh loan
Customer with Cibil score less thn 720 or 0/-1 will be charge as additional 1% ROI
Company category depend on Bank internal listing

About Axis Bank

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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Personal Loan

In Axis Bank Personal Loan process is easy and simplified. There are no extraordinary documents required for application and the list of documents required at the time of application and also post sanction of the Axis Bank Personal Loan is easily available for customers. Axis Bank Personal Loans are available in the range of Rs.100000 to Rs.40 lakhs. So individuals can avail a Personal Loan for any amounts from Rs.100000/-up to a maximum limit of Rs.40 lakhs. Unlike many other banks, Axis Bank makes sure that Personal Loan facilitation and approval process for each applicant is fast tracked without any unnecessary delays. Quick Form for Personal Loan in Delhi NCR Click here

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Axis Bank Personal Loan interest rates & charges in Delhi NCR

Interest Rates & Charges
  • Rate of Interest: 10.40% to 22.50%
  • Loan Processing Charges: 0.75% to 2.50% + GST as applicable
  • Cheque Bounce Charges: Rs. 500 per cheque bounce + GST as applicable
  • Cheque/ Instrument Swap charges: Rs.500 per instance + GST as applicable
  • Prepayment/ Foreclosure Charges: Nil
  • Default Interest Rate: @24.00% per annum i.e 2% per month on the overdue instalment
  • Duplicate Amortization Schedule Charges: Rs 250 per instance + GST as applicable
  • Duplicate Interest Certificate: Rs 250 per instance + GST as applicable
(Provisional/ Actual) issuance Charges
  • Cibil Report Issuance Charges
  • Rs. 50/- per instance per set+ GST as applicable
  • Stamp Duty Charges (As per State Stamp Act)
  • Issuance Charges for Photocopy of Loan Agreement/ Documents Rs 250 per instance +GST as applicable.

Special Features & Benefits of Axis Bank

  • Loans available for salaried individuals & Self-employed Professionals.
  • Maximum Loan amount: The quantum of Personal Loan offered by Axis Bank is highest in its class; with an upper limit of Rs 40 Lakhs.
  • Competitive Interest Rates: Axis Bank offer Personal Loans at a competitive interest rate ranging from 10.75% to 22.50%.
  • Pre-Closure Charges: Axis Bank offers NIL prepayment or foreclosure charges
  • Locking Period: Axis Bank offer 1 EMI Locking ,customer can pre-close their Loan after 1 EMI
  • Part-Payment Facilities - Axis Bank offer Part payment facility with Nil charges
    • Repayment tenures from 12 to 60 months
    • Loans at higher rates can be transferred to Axis Bank with our Balance transfer facility.
    • Simple procedure, minimal documentation and quick approval
Documents required for Axis Bank Personal Loan
  • The income of the individual should be a minimum of Rs.25, 000 for availing a loan.
  • Application Form which needs to be filled completely stating the necessary details like the personal details, occupational details, income details, etc.
  • One Recent Passport size photograph
  • PAN Card
  • Current Residence proof (Like Adhar Card, Passport, Voter I-card, Any utility Bill
  • IF Customer is staying on rent then Permanent address proof also require
  • If customer satying on self-owned/Parental house then Ownership proof also require like Electricity Bill, Water Bill, House Tax Receipt.
  • 3 Latest salary slips. The income of the individual should be a minimum of Rs.25 000 to be eligible for availing a loan.
  • Bank statement of Latest 3 month ,which shows the banking activities of the applicant and helps in building the credit worthiness of the individual.
  • One Year Job continuity proof
  • Signature proof

Post-sanction / Pre-Disbursement Documentation
The bank requires other documents after sanctioning the loan and before disbursing the amount. The documents are as follows:

  • Security Cheques required for SI and ECS (6 cheques)
  • Loan Agreement duly signed by the customer
  • Documentary proof required from customers may vary from case to case.
Eligibility Criteria
  • Minimum Salary : Minimum Salary required Rs. 25,000/-
  • Age : Minimum of 21 when applying for loan and maximum of 58 at loan maturity.
  • Loan Amount : The Loan amount is 1 Lakh to 40 Lakhs for salaried individuals
  • Loan Tenure : 12 to 60 months
Axis Bank Personal Loan Eligibility Criteria for Salaried Individuals
  • Minimum age of applicant: 23 years
  • Maximum age of applicant at loan maturity: 60 years
  • Minimum Net Monthly Income: Rs 25,000
  • Loan Amount Offered: Rs 1 lakh to Rs. 40 Lakhs
  • Minimum Service Period With Current Employer: One Year