Axis Bank Personal Loan
Third-largest private bank, aggressive on salaried personal loans and balance transfers, with strong salary-account bundling.
★ Longer 7-year tenures ease EMIs on larger tickets.
Axis Personal Loan at a glance
- Interest rate
- 10.99% – 22% p.a.
- Processing fee
- Up to 2%
- Maximum amount
- ₹40 Lakh
- Tenure
- 1 – 7 years
Indicative as compiled by QCred; the lender's live schedule prevails. Your rate depends on credit score, income and loan size.
Check your Axis personal loan offer
It takes 2 minutes. This will not affect your credit score.
Axis vs other lenders on personal loan
| Lender | Interest rate | Processing fee | Max amount | |
|---|---|---|---|---|
| HDFC Bank | 10.75% – 21% p.a. | Up to ₹6,500 | ₹40 Lakh | Apply → |
| State Bank of India | 11.15% – 14.30% p.a. | Up to 1.5% | ₹35 Lakh (Xpress Credit) | Apply → |
| ICICI Bank | 10.85% – 16.65% p.a. | Up to 2% | ₹50 Lakh | Apply → |
| Axis Bank | 10.99% – 22% p.a. | Up to 2% | ₹40 Lakh | Apply → |
| Kotak Mahindra Bank | 10.99% – 24% p.a. | Up to 3% | ₹40 Lakh | Apply → |
| Punjab National Bank | 11.40% – 16.80% p.a. | Up to 1% | ₹20 Lakh | Apply → |
| Bank of Baroda | 11.05% – 18.75% p.a. | Up to 2% | ₹20 Lakh | Apply → |
| IDFC FIRST Bank | 10.75% – 25% p.a. | Up to 2% | ₹1 Cr | Apply → |
| Tata Capital | 11.50% – 26% p.a. | Up to 3% | ₹35 Lakh | Apply → |
| Bajaj Finserv | 11% – 32% p.a. | Up to 3.93% | ₹55 Lakh | Apply → |
Eligibility
- Age
- 21 – 60 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹20,000 / month (metro)
- Credit score
- 650+ (700+ for best rates)
Documents required
- PAN card and Aadhaar card
- Last 3 months' salary slips
- Last 3–6 months' bank statements
- Passport-size photograph
Axis Bank Personal Loan FAQs
What is the Axis Bank personal loan interest rate?
Axis Bank personal loan rates currently run 10.99% – 22% p.a. depending on your credit score, income profile and loan amount. The processing fee is Up to 2%. Rates are revised periodically — QCred confirms the live rate for your profile before you apply.
How much personal loan can I get from Axis Bank?
Up to ₹40 Lakh, subject to your repayment capacity (lenders cap total EMIs near half your net income) with tenures of 1 – 7 years. Use our eligibility calculator for a quick estimate.
Should I apply to Axis Bank directly or through QCred?
The rate and product are the same — but through QCred you see how Axis's offer compares against other lenders for your exact profile before committing, and one advisor tracks your file to disbursal. Our service is free; lenders pay us on disbursal.