Axis Bank personal loan review
Axis Bank's personal loan rates, fees, eligibility and foreclosure terms — verified as of June 2026. Rates are indicative and profile-dependent.
By NexMaxo Editorial Team · Rates verified June 2026· indicative & profile-dependent
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Axis Bank personal loan at a glance
9.99%–22% p.a. (indicative)
- Processing fee
- Up to 2% + GST
- Max amount
- Up to ₹40 lakh
- Max tenure
- Up to 7 years
- Eligibility
- Salaried, 21–60 yrs; self-employed directed to business loans
- Foreclosure / prepayment
- ≈2%–5% of outstanding (profile-dependent)
Good to know
- The starting rate is the best case — it goes to high-credit-score, stable-income borrowers. Most applicants are offered a higher rate within the range.
- The processing fee (Up to 2% + GST) is deducted up front, so you receive less than the sanctioned amount.
- Check the foreclosure terms (≈2%–5% of outstanding (profile-dependent)) if you might repay early.
- Rates and fees change often — confirm the current terms on Axis Bank's official page before applying.
Compare Axis Bank
See all 8 lenders comparedAxis Bank personal loan — FAQs
Axis Bank's personal loan rate is 9.99%–22% p.a. (indicative). The lowest end of that range goes to borrowers with a strong credit profile — most applicants are offered a higher rate. Your actual rate depends on your credit score, income and relationship with the lender, so treat this as indicative and confirm your offer before borrowing.
Up to 2% + GST. The processing fee is a one-time charge deducted at disbursal, so you receive slightly less than the sanctioned amount — factor it into the real cost of the loan.
≈2%–5% of outstanding (profile-dependent). If you might repay early, check the lock-in period and the foreclosure charge before you borrow — it can add a meaningful cost.
Salaried, 21–60 yrs; self-employed directed to business loans. These are indicative minimums — approval and the rate you're offered depend on the lender's own assessment of your credit profile and income.
This is an informational review, not financial advice or a loan offer. Personal-loan rates, fees and limits are indicative and profile-dependent — your actual offer depends on the lender's assessment. Confirm current terms on Axis Bank's official page, and borrow only what you can comfortably repay.