Bank
Axis Bank Personal Loan 2026
Interest rate, eligibility, documents & fees
- Interest Rate
- 10.49%–22%
- Loan Amount
- Up to ₹40 lakh
- Tenure
- 12–60 mo
Axis Bank Personal Loan — Key Details
Last reviewed August 2026
- Interest rate
- 10.49% – 22% p.a.
- Loan amount
- ₹50,000 – ₹40 lakh
- Tenure
- 12 – 60 months
- Processing fee
- 1.5%–2%
- Minimum CIBIL score
- 700+
- Minimum monthly income
- ₹25,000
- Age
- 21 – 60 years
- Employment type
- Salaried
Axis Bank Personal Loan EMI
Monthly EMI at the starting rate of 10.49% p.a. Your rate may be higher.
| Loan amount | 12 months | 24 months | 36 months | 60 months |
|---|---|---|---|---|
| ₹1,00,000 | ₹8,814 | ₹4,637 | ₹3,250 | ₹2,149 |
| ₹3,00,000 | ₹26,443 | ₹13,911 | ₹9,749 | ₹6,447 |
| ₹5,00,000 | ₹44,072 | ₹23,186 | ₹16,249 | ₹10,744 |
| ₹10,00,000 | ₹88,144 | ₹46,371 | ₹32,498 | ₹21,489 |
Axis Bank Personal Loan Eligibility
- Age 21–60 years
- Monthly income ≥ ₹25,000
- CIBIL ≥ 700
- Minimum 2 years employment
Documents Required for Axis Bank Personal Loan
Salaried
- PAN Card
- Aadhaar Card
- Salary slips (3 months)
- Bank statements (3 months)
- Form 16
Self-Employed
- PAN Card
- Aadhaar Card
- ITR (2 years)
- Bank statements (6 months)
- Business proof
Axis Bank lends mainly to salaried applicants; self-employed applications may be considered case by case.
Pros & Cons
Advantages
- Competitive rate from 10.49%
- Loan amounts up to ₹40L
- Fast digital process
Watch out for
- Primarily salaried applicants
- Processing fee applies
- Strict CIBIL ≥ 700
How to Apply for a Axis Bank Personal Loan
Axis Bank's own application process
- 1Visit Axis Bank website
- 2Check eligibility instantly online
- 3Upload documents digitally
- 4Approval within 48 hours
- 5Disbursement in 2 business days
Not sure Axis Bank is right for you? Compare offers from RateCut's lending partners first.
Compare OffersAxis Bank Personal Loan — FAQs
What is the Axis Bank personal loan interest rate?
Axis Bank personal loan interest rates range from 10.49% to 22% p.a. (last reviewed August 2026). The rate you get depends on your credit score, income, employer and loan amount.
What is the minimum salary for a Axis Bank personal loan?
Axis Bank requires a minimum monthly income of about ₹25,000. It lends to: Salaried.
What is the processing fee for a Axis Bank personal loan?
Axis Bank charges a processing fee of 1.5%–2%, plus 18% GST. It is usually deducted from the loan amount at disbursal.
What CIBIL score is needed for a Axis Bank personal loan?
Axis Bank generally looks for a CIBIL score of 700 or more. A score of 750+ improves your chances of getting a lower rate.
How long does Axis Bank take to disburse a personal loan?
As per Axis Bank's stated process: Disbursement in 2 business days. Existing customers with pre-approved offers are usually faster.
Is Axis Bank regulated by the RBI?
Yes. Axis Bank is a private sector bank regulated by the Reserve Bank of India.
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.