Axis Bank

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Axis Bank offers a diverse range of loan products to cater to various financial needs, including Home Loans, Loan Against Property (LAP), and Personal Loans. Below is an overview of these offerings, including current interest rates, loan tenures, and other pertinent details.
Home Loans

1. Home Loans:

  • Interest Rates: Starting at 8.75% per annum for salaried individuals and 9.10% per annum for self-employed individuals.

  • Loan Amount: Up to ₹5 crore, subject to eligibility criteria.

  • Tenure: Repayment periods of up to 30 years.

  • Processing Fee: Up to 1% of the loan amount, with a minimum of ₹10,000.

  • Interest Rate Type: Both floating and fixed-rate options are available.

  • Additional Benefits: Features such as balance transfer facilities, doorstep services, and customized repayment options are offered.

2. Loan Against Property (LAP):


  • Interest Rates: Starting from 10.50% per annum.

  • Loan Amount: Based on the value of the property and the borrower's eligibility.

  • Tenure: Repayment periods ranging from 10 to 20 years.

  • Processing Fee: Up to 1% of the loan amount, with a minimum of ₹10,000.

  • Interest Rate Type: Both fixed and floating-rate options are available.

  • Additional Benefits: Loans can be availed against residential or commercial properties, with options for balance transfer and refinancing.


Loan Apply

3. Personal Loans:

  • Interest Rates: Starting from 11.1% per annum.

  • Loan Amount: Up to ₹40 lakh, depending on eligibility.

  • Tenure: Loan tenures ranging from 12 to 84 months.

  • Processing Fee: Up to 2% of the loan amount, plus applicable taxes.

  • Interest Rate Type: Primarily floating rates.

  • Additional Benefits: Quick disbursal, minimal documentation, and flexible repayment options.


How to Apply
  1. Check Eligibility: Use our online eligibility checker to see if you qualify.
  2. Submit Application: Fill out the online application form with your details.
  3. Upload Documents: Upload the required documents (e.g., ID proof, address proof, income proof).
  4. Get Approved: Receive instant approval and disbursal within 24 hours.
Interest Rates and Fees
Loan TypeInterest Rate (p.a.)Processing Fee
Personal Loan10.49% - 22%Up to 2%
Home Loan8.40% - 9.50%Up to 1%
Car Loan8.75% - 10%Up to 1.5%
Education Loan9.50% - 14%Up to 1%

Eligibility Criteria

To apply for an Axis Bank loan, you must:

  • Indian resident aged between 21 and 60 years.
  • Minimum income of ₹25,000 per month for salaried individuals.
  • Business owners must have a minimum turnover of ₹10 lakhs per annum.
  • Good credit score (750 or above).
Check Eligibility

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