Want to enjoy the best personal loan interest rates starting at 11.1% per annum and pay EMIs that come easily to your budget? Are you looking for a loan that comes with minimal documentation and fastest approval? All this and much more can be possible with an Axis Bank personal loan. 

Let’s just know more about the same below.

Axis Bank Personal Loan Interest Rates 2025

Axis Bank Personal Loans offer a low interest rate, minimal documentation, and the fastest loan approval. The lender also offers higher loan amounts and flexible tenure options, making it more convenient for people to repay the loan. With competitive Axis Bank personal loan interest rates and easy repayment options, your EMI burden will also be reduced, and your loan journey will become much smoother. 

Read this page further and find detailed loan information in the table below.

Particulars	Details
Interest Rates	Starting from 11.1% p.a. to 22% p.a
Loan Amount	INR 50,000 - INR 40 Lakhs
Tenure	12 to 84 Months
Processing Fees	2% of the loan amount + GST

Types of Axis Bank Personal Loans

Different types of personal loans offered by Axis Bank are mentioned below - 

1. Personal Loan for Wedding by Axis Bank
2. Axis Bank Personal Loan for Home Renovation
3. Personal Loan For Travelling  by Axis Bank
4. Axis Personal Loan for Higher Education
5. Personal Loan For Salaried by Axis Bank
6. Axis Personal Loan For Women 
7. Emergency Loan By Axis Bank 
8. Unsecured Loan From Axis Bank 
9. Pre- Approved Personal Loan By Axis Bank

Personal Loan for Wedding by Axis Bank

Get up to ₹40 lakh with no collateral, flexible tenure of up to 84 months, and a balance transfer facility. Celebrate your special day without financial worries.

Benefits of Axis Bank Marriage Personal Loan:

• Preserve Your Investments – Keep your savings intact while funding wedding expenses with a hassle-free loan.
• Attractive Interest Rates – Enjoy rates starting from 11.1% p.a. with flexible repayment options.
• Fast Disbursal – Get funds in as little as 1 day to meet urgent wedding needs.
• High Loan Amount – Avail up to ₹40 lakh for all wedding-related expenses.

Axis Bank Personal Loan for Home Renovation

Give your home a fresh makeover with a flexible personal loan. Whether upgrading your kitchen, revamping your bathroom, or enhancing outdoor spaces, get instant funds to create your dream home effortlessly.

Benefits of a Home Renovation Loan

• Easy Eligibility – Salaried individuals with a stable income can apply.
• For All Homeowners – Suitable for flats, bungalows, and all property types.
• Covers All Upgrades – From minor repairs to major renovations.
• Quick Disbursal – Fast approval and funding for timely home improvements.
• Tax Benefits - You may be eligible for tax deductions on loan interest, making renovations more cost-effective. Keep receipts as proof and consult a tax professional for details.
• Flexible Repayment Options- Choose from step-up, flexi, or bullet payments to match your cash flow. Adjust tenure and EMIs for stress-free home renovation financing.

Personal Loan For Travelling

Axis Bank’s Travel Personal Loan helps you fund your dream vacation with ease. Get an unsecured loan up to ₹40 lakh with flexible tenure, affordable interest rates, and quick approval. Use it for flights, accommodation, food, and other travel expenses.

Features & Benefits of Travel Personal Loans

• Hassle-Free Process – Quick approval with minimal documentation.
• Flexible Loan Amount – Borrow between ₹50,000 and ₹40 lakh.
• No Collateral Required – Get funds without pledging assets.
• Customizable Tenure – Choose repayment terms from 12 to 60 months.
• Affordable Interest Rates – Starting as low as 10.75% p.a.
• Balance Transfer Option – Transfer existing loans for better rates.
• Instant Approval – Get funds within 24 hours.
• Long Tenure – Enjoy stress-free repayment with up to 60 months.

Axis Personal Loan for Higher Education

Pursue your dreams without financial worries! Axis Bank offers education loans up to ₹40 lakhs with easy applications and flexible repayment of up to 60 months. Whether studying in India or abroad, get the funds you need hassle-free.

Features & Benefits of Axis Bank Higher Education Loan

• Flexible Loan Amount – Borrow between ₹50,000 to ₹40 lakhs.
• Customizable Tenure – Repay in 12 to 60 months.
• Achieve Your Goals – Get financial support for your education.
• Competitive Interest Rates – Starting at 10.49% p.a.
• Balance Transfer Option – Shift high-interest loans to Axis Bank for better rates.
• Quick & Easy Process – Fast approval with minimal documentation.

Personal Loan For Salaried

Need extra financial support? Axis Bank offers personal loans designed for salaried professionals, providing quick funds with flexible benefits to help you manage unexpected expenses or achieve your goals effortlessly with a loan tenure of upto 84 months. 

Benefits of Axis Bank Personal Loan for Salaried Employees

• Minimal Documentation – Quick and hassle-free application.
• High Loan Amount – Get up to ₹40 lakh for any financial need.
• Fast Approval & Disbursal – Instant approval and funds in a few hours.
• Competitive Interest Rates – Affordable rates to ease repayment.
• Flexible Tenure – Choose repayment from 12 to 84 months.

Axis Personal Loan For Women

Women today are achieving new milestones and breaking barriers. Axis Bank supports their financial goals with designed personal loans for education, travel, weddings, or urgent needs.

Features & Benefits of a Personal Loan for Women

• High Loan Amount – Avail up to ₹40 lakh to meet your financial needs.
• Easy Repayment – Flexible tenure from 12 to 84 months for manageable EMIs.
• No Collateral – Get funds without pledging any assets.
• Quick Approval – Fast processing ensures hassle-free access to funds.
• Same-Day Disbursal – Receive your loan amount within hours of approval.
• Minimal Documentation – Simple paperwork for a smooth application process.
• 100% Transparency – No hidden charges or surprises.
• Digital Loan Account – Manage your loan easily through online banking.
• Smaller EMIs – Choose an EMI plan that fits your budget.

Emergency Loan By Axis Bank

An emergency loan acts as a financial safety net during unexpected situations. No matter how well you plan, sudden expenses can arise. A Personal Loan for emergencies provides quick financial support, helping you manage urgent needs without stress.

Benefits of Emergency Loan By Axis Bank 

• High-Value Unsecured Loan – No collateral needed, providing access to larger loan amounts.
• Flexible Repayment Tenure – Choose a repayment period that suits your financial needs.
• No Hidden Charges – No unexpected cost with transparent fee.
• Minimal Documentation – Quick and hassle-free application process.
• Flexi Loan Facility – Withdraw funds as needed from a pre-approved credit limit.
• Fast Disbursal – Get the loan amount in your account within 24 hours.
• 100% Online Process – Apply from anywhere without visiting a bank.
• Pre-Approved Offers – Check eligibility instantly with minimal details.
• Assistance - 24x7 assistance provided by the bank in case of any queries or status on loan.

Unsecured Loan From Axis Bank

Unsecured loans offer quick financial help without the need for collateral. They have minimal paperwork and fast approval, making them a hassle-free solution for urgent needs. 

Features & Benefits of Axis Bank Emergency Loan 

• Unsecured Loan – No collateral required, ensuring easy access to funds.
• Flexible Repayment – Choose a tenure that fits your financial plan.
• Online Account Management – Track EMIs and loan details anytime.
• Lower Initial EMIs – Pay interest-only EMIs initially for better cash flow.
• High Loan Amount – Get up to ₹40 lakh based on eligibility.
• Instant Approval – Minimal paperwork with quick disbursal.
• Pre-Approved Offers – Faster access for eligible customers.

Pre- Approved Personal Loan By Axis Bank

Pre-approved personal loans are exclusive offers for customers with strong credit scores and a good repayment history. These loans provide instant access to funds with minimal paperwork. While typically available to existing customers, new applicants may receive pre-qualified offers based on their profile.

Benefits of Axis Bank Pre-Approved Personal Loan 

• Quick Access – No lengthy application process; check your eligible loan amount instantly.
• One-Step Evaluation – Verify your offer using just your mobile number and OTP.
• Instant Processing – Get loan approval within hours, often with minimal or no documentation.
• Flexible Tenure – Choose repayment terms from 12 to 84 months to suit your budget.

Axis Bank Personal Loan Eligibility Criteria

Axis Bank offers personal loans to eligible applicants, including salaried doctors, employees of public and private limited companies, and government sector employees, including PSU, central, and local bodies.

So, before you apply for the same, you need to know the Axis Bank Personal Loan eligibility. To know more, you can take a look at the table below.

Age	Applicants must be at least 21 years old, with a maximum age of 60 at loan maturity.
Educational Qualification	A graduation degree is preferred but not mandatory.
Minimum Monthly Income	Typically, ₹25,000 for cities like Delhi and Mumbai, while other cities may have a ₹15,000 requirement (varies by lender).
Employment Type	Open to salaried employees meeting the income criteria
Work Experience	A minimum of 1 year of work experience

Documents Required For Axis Bank Personal Loan

Before applying for this credit facility, you should be ready with a complete list of documents so that you can have a hassle-free loan journey. Whether it’s salaried or self-employed, if an applicant does not have proper documents, Axis Bank could reject the loan application. 

Take a look at the content below to know about the Axis Bank Personal loan documents - 

• Proof of Identity: Passport, Voter ID, Driver's License, or Aadhaar Card
• Proof of Address: Utility bills, Passport, or Voter ID
• Income Proof: Recent salary slips, bank statements, or tax returns
• Photographs: Latest passport-sized photos

List of Documents Based on Borrowers Category 

Documents for Self-Employed Individuals:

• Business Proof: Registration certificate, GST filings, or partnership deed
• Financial Statements: Profit & loss account and balance sheet for the last two years
• Income Proof: Income tax returns for the past three years

Documents for Salaried Employees:

• Employment Proof: employee ID, Job offer letter, or salary certificate
• Income Proof: Last three months' salary slips
• Bank Statements: Showing salary credits

Documents Required for Women:

• Proof of Income & Employment: Salary slips, bank statements showing salary credits, or employment certificate
• Identity & Address Proof: Aadhaar card, passport, voter ID, or driver's license
• Special Loan Scheme Documents: Any documents required for specific women-centric loan programs

Documents Required for Pensioners:

• Pension Proof: Pension Payment Order (PPO)

• Bank Statement: Account statement showing pension credits

• Age Proof: PAN card, passport, or any valid government-issued ID

Documents Required for Personal (Pension) Loans for Senior Citizens:

• Proof of Pension: Pension payment order (PPO) or pension account statement
• Identity & Address Proof: Aadhaar card, passport, voter ID, or driver's license
• Income Details (if applicable): Bank statements or income tax returns.

Calculate your monthly Axis Bank Personal Loan EMI

Wishfin’s Axis Bank personal loan EMI calculator is a tool that calculates the monthly installment, Interest Outgo, and Total Amount payable towards a loan. EMI, or equated monthly installment, is a combination of both interest and principal repayable every month. This tool works based on the following details:

• Loan Amount

• Tenure

• Rate of Interest

Once you fill in these details, the device starts fetching the values that you can see in the table below. For a better understanding, you can take a look at the example below and see the EMIs that an individual is supposed to pay if he takes a loan of INR 5,00,000 at an interest rate of 11.1% p.a. to 22% p.a for 5 years.

LOAN AMOUNT	TENURE	INTEREST RATE (11.1% p.a.)	INTEREST RATE (22% p.a)
₹ 5,00,000	1	₹44,214.16	₹46,797.19
₹ 5,00,000	2	₹23,327.14	₹25,939.08
₹ 5,00,000	3	₹16,393.05	₹19,095.23
₹ 5,00,000	4	₹12,947.06	₹15,753.04
₹ 5,00,000	5	₹10,896.16	₹13,809.46

Benefits of using Axis Bank Personal Loan EMI calculator

Here are some of the advantages of using the EMI calculator:

• By using a personal loan EMI calculator, an applicant can know the monthly installments he/she will have to pay to the lender and plan his/her monthly finances accordingly.
• This device allows you to know your monthly installments in the most hassle-free manner, i.e., it saves a lot of time and energy. It gives you the results instantly within a few seconds.
• It tells a lot more than just the monthly installment, like the total interest outgo and total amount. Also, in the last year of the tenure, there appears an amortization table that tells the details of each periodic payment on an amortizing loan. 

How to Apply for an Axis Bank Personal Loan Through Wishfin?

Applying for a personal loan is just a click away; you just need to visit the Wishfin official website. Yes, you can apply online and enjoy plenty of unmatched features and benefits. But before you go for the same, it will be good if you keep the following things in mind.

• Check Your Eligibility: As it’s an unsecured loan, Axis Bank will check the profile of the applicant closely. So, before applying, it would be advisable to calculate your eligibility with the help of a personal loan eligibility calculator online. 
• Apply Online: A person can apply for this unsecured loan online through Wishfin.com as well. You just need to fill out a form with your basic personal and professional details, and you are set to go. Post submission of your loan application, you need to submit your documents and your loan application will be processed.
• Apply Offline: For those who are not comfortable applying online through Wishfin as well, you just need to fill out a form with your basic personal and professional details, and you are set to go. Post submission of your loan application, you need to submit your documents and your loan application will be processed.

Different Options for Making EMI Payments for Axis Bank Personal Loan

After knowing so much about the Axis Bank personal loan, you may want to know the various payment methods by which you can easily repay the loan amount. There are mainly three methods, among which you can opt for the one – 

• Standing Instruction (SI), 
• Electronic Clearing Service (ECS), and 
• Post-dated Cheques (PDCs). You can look at all of them below.

Standing Instruction (SI) Repayment Method

The first thing that is a must-have to use this method is to have savings, salary, or a current Axis Bank Account. Through this method, your EMI amount will be automatically debited on a fixed date every month from the Axis Bank account you want. If you don’t have an Axis Bank account, you will need to open an account to use this repayment method.

Electronic Clearing Service (ECS) Repayment Method

This repayment method comes in handy if you have a bank account in a bank other than Axis Bank. With this method, the EMI will be automatically debited from your non-Axis savings, current, or salary account at the end of every monthly cycle.

Post-dated Cheques (PDC) Repayment Method

This is a kind of offline repayment method wherein you will need to submit the post-dated EMI cheques from a non-Axis bank account at the nearest loan center of the Axis Bank. But you need to remember that this has to be done every month on time otherwise you miss your repayment and then you have to pay different kinds of charges. Every month, you will need to submit a new set of post-dated cheques.

Also, you should submit these post-dated cheques only at those locations where there is no ECS facility. Axis Bank recommends opting for either SI or ECS Repayment methods as they are online, fast, and have fewer chances of errors.

Axis Bank Personal Loan Balance Transfer

If your existing lender is charging higher interest rates on a personal loan, the balance transfer is one of the smartest options you can opt for. Simply transfer your existing personal loan to Axis Bank and enjoy lower interest rates along with pocket-friendly EMIs. The process of transferring your existing outstanding balance to Axis is simple and quick. You can either visit the bank branch and give a request or do the same online. Hence, this allows you to enjoy the benefits of lower rates along with affordable EMIs.

Axis Bank Personal Loan Approval Process

The approval process for a personal loan is dependent on the CIBIL score of an applicant. If a person is having a good CIBIL score of around 750 and above, he/she is likely to get a better interest rate deal. In fact, with the help of some reliable websites like Wishfin, you can also check CIBIL score for free and get your report online in just a few minutes. Isn’t it great?

Axis Bank Personal Loan Status

The applicant can check the status of his/her loan application online by entering the application ID. He/she has to log in on the bank’s website to track the application status. The application status of the loan will display on the screen. You can clearly see whether your loan is approved, pending or rejected.

Axis Bank Personal Loan Customer Care

Keeping in mind the comfort and convenience of the customers, Axis Bank has a toll-free number where a customer is free to ask product-related questions. 

• +91-22-24252525/43252525 
• +91-22-24251800

Axis Bank Personal Loan Login

The process of logging in to the Axis Bank account is quick and easy. All you need is your account credentials. With the help of a login ID and password, you can simply log in to your account and keep a track on your personal loan. No need to visit the bank as everything is there on your fingertips.

Axis Bank Personal Loan Statement

Now keeping a track of your personal loan is not a hassle anymore as you can access Axis bank personal loan statement online. Yes, you just need to sit back and relax as the details of your loan will automatically come in your inbox monthly. The bank sends your loan statement monthly, mentioning all the credentials such as outstanding balance, EMIs paid, paid, etc. With the help of the same, it becomes easier for the borrowers to track their loan details.

Why Choose Axis Bank Personal Loan?

This leading private-sector bank offers a wide range of financial products, including loans, investments, insurance, and deposits. With competitive rates and flexible tenures, its personal loans come with attractive features to meet diverse customer needs.

You can check the benefits below.

• Fastest Approval: You can either go online or offline to avail of this credit facility, and the best thing is that, in return, you can expect the fastest loan approval. This reduces your precious time and effort.
• Higher Loan Amount: Isn’t it great that this renowned lender offers you a loan amount of up to INR 40 Lakh? Yes, with this huge amount, you can easily fulfill all your multiple needs without thinking twice.
• Competitive Interest Rates: Now, what could be more interesting and appealing than availing this credit facility at an interest rate starting from 11.1% per annum? The lender offers you the lowest rates to lessen your loan burden.
• Zero Prepayment Charges: If a borrower wants to pay his/her loan before the actual set period, he/she can easily do the same without any charges. Yes, the lender has zero prepayment or foreclosure charge for those who want to close their loan early.
• Minimal Documentation: To avail of this credit facility, an applicant needs to submit a few important documents. The best part is that the process is quite simple and quick. It doesn’t require a long list of documents, hence you can easily avail the same.
• Online Loan Account Facility: The bank offers a line loan account facility wherein an applicant can keep track of his/her application status, repayment schedule, and other information. With the help of this facility, you can access your account and check it 24×7, depending on your convenience.
• eDGE Loyalty Points: The lender offers eDGE loyalty points on personal loans, which can be used to redeem cash surpluses and discounts. Yes, these loyalty rewards can easily be redeemed for many purposes.
• Multiple Repayment Options: The bank offers multiple repayment options for this credit facility, such as ECS or PDCs. With the help of these repayment options, you can easily repay your loan.
• Flexible Tenure: If a borrower is taking a loan, he/she can make the repayment within 12 to 84 months as per his/her comfort. With the flexible tenures, you can easily repay your loan as your burden will be reduced.

Fees & Charges of Axis Bank Personal Loan

Axis Bank Personal Loan has some additional charges, excluding interest rates, make sure to go through the table before applying for it - 

Part-payment	Foreclosure Charges: Applied to the principal outstanding (excluding pre-EMI/broken period interest). Part Payment Charges: Levied on the amount being partially paid. Prepayment Allowance: For loans disbursed on or after Dec 31, 2024, customers can prepay up to 25% of the principal outstanding per year without charges after 12 EMIs. A 12-EMI gap is required between two such payments.
Prepayment Charges	NIL
Loan Cancellation charges	0-3 Days: Interest till cancellation date applies; Processing Fee, Stamp Duty, statutory charges, and GST are non-refundable. After 3 Days: Treated as foreclosure.
Repayment Instruction/Instrument Return Fee	₹339 per instance
Swap Charges (Cheque/Instrument)	₹500 per instance
Duplicate Statement Issuance Fee	₹250 per request
Duplicate Amortization Schedule Fee	₹250 per request
Re-issuance of Loan Agreement & Documents	₹250 per request
Credit Information Report Fee	₹50 per request
Stamp Duty Charges	As per the applicable State Stamp Act

Summarising!

Axis Bank Personal Loan is a flexible financial solution designed to meet various personal needs, such as medical emergencies, travel, home renovation, and weddings. Offering loan amounts ranging from ₹50,000 to ₹40 lakhs, the bank provides a hassle-free application process with minimal documentation. Borrowers can choose repayment tenures between 12 to 84 months, with competitive interest rates starting from 11.1% p.a to 22.00% p.a., subject to eligibility. The loan requires no collateral, features quick disbursal, and has a hassle-free digital application process with minimal documentation, ensuring a smooth borrowing experience.

Grievance Redressal Details of Axis Bank

For Customers of Domestic Branches 

Level 1: Front End Channels - Personal loan customers can connect to the bank through calls, email, or by visiting the branch centre. Axis Bank has set a maximum 10-day response period, and if the concerned customer is dissatisfied with the response received, he/she can escalate the complaint to Level 2.

Details Axis 1 Call Centers / Phone Banking Centers 

• 1860-419-5555 
• 1860-500-5555

Website Support 

• www.axisbank.com /support

Branches / Loan Centers

• visit www.axisbank.com to locate the nearest branch

Level 2: Circle Nodal Officer/Nodal Officer at HO

The customer can escalate their concern to the bank's Nodal Officers if dissatisfied with the resolution provided at Level 1. The bank aims to respond within 10 days, and if the reply is unsatisfactory, the customer can escalate the issue to Level 3.

The customer can send an email/write a letter/call the Nodal Officer:

Write	Email	Call
Nodal Officer, Mr. Jinit Thakkar Axis Bank Ltd, NPC1, 5th Floor, "Gigaplex," Plot No I.T.5, MIDC, Airoli Knowledge, Park, Airoli, Navi Mumbai-400708	[email protected]	Ph. 91-080-61865200 9.30 AM to 5.30 PM Monday to Saturday (Except 2nd & 4th Saturdays and Bank Holidays)

Level 3: Principal Nodal Officer - If the customer remains dissatisfied with the resolution at Level 2, they can contact the bank’s Principal Nodal Officer through the channels listed below.

Write	Email	Call
Ms. Deepti Radkar Principal Nodal Officer Axis Bank Ltd, NPC1, 5th Floor, "Gigaplex," Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai-400708	[email protected]	Ph. 91- 080-61865098 9:30 AM to 5:30 PM Monday to Saturday (Except 2nd & 4th Saturdays and Bank Holidays)

 Level 4: If the customer’s issue remains unresolved after approaching Level 1, Level 2, or Level 3, or if the bank has not provided a resolution within 30 days, the customer may refer the matter to the Banking Ombudsman’s office. For more details, visit:

• https://www.axisbank.com/contact-us/banking-ombudsman

To lodge a complaint, click on the link below:

https://application.axisbank.co.in/webforms/axis-support/index.aspx

To Know More Details:- https://www.axisbank.com/retail/loans/24×7-instant-loan/24×7-personal-loans