Loan Category

Personal Loan

Max

₹40,00,000/-

Up to 84 Months

  • Minimum documentation required
  • Personal Loans up to ₹40 Lakhs
  • Online, Paperless Process
  • Quick Approval in 30 seconds
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Apply for Personal Loan

Personal Loan: Get Instant Personal Loan

A Personal Loan offers a fast and hassle-free way to bring your dreams to life by providing the funds you need, exactly when you need them. Whether you're planning a long-overdue vacation, organising a special occasion, or managing unforeseen medical costs, Axis Bank's Instant Personal Loan ensures a smooth process with swift approvals, minimal documentation, and attractive interest rates. Owing to flexible repayment options, you can tailor the instant loan to suit your financial situation and budget.

Take advantage of Axis Bank’s Personal Loans to bridge financial gaps and move forward with confidence. Begin your journey today and unlock your dreams effortlessly with our range of Instant Personal Loan solutions.

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Personal Loan Details

Max Loan Amount₹40 Lakhs
Max Loan TenureTenure from 12 months to 84 months*
Interest RateStarting from 11.25% p.a.
Processing FeesUp to 2% of loan amount + GST
Track your Application

Personal Loan EMI Calculator

50K 40L
11.25% 22%
12 84

Break-up of Total Payment

Principal Amt
Indian Rupee10,50,000
Interest Amt
Indian Rupee10,50,000
Total Amt Payable
Indian Rupee10,50,000

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Instant Personal Loan Online Features

  • No Collateral Required

  • Simple, Easy Online Process

  • Low Interest Rates

  • Transparent Terms

  • Flexible Tenure

Personal Loan Eligibility Criteria & Documentation

Personal Loan Eligibility

  • Salaried Employees
    • Salaried doctors
    • Employees of public and private limited companies
    • Government sector employees including Public Sector Undertaking, Central and Local bodies
  • Minimum age of 21 years
  • Maximum age of 60 years at the time of maturity of the Personal Loan
  • Minimum net monthly income - ₹15,000 for Axis Bank customers and ₹25,000 for non Axis Bank customers

Documents required for Personal Loan

  • Last 3 Months Bank Statements
  • 3 latest Salary Slips with the latest Form 16
  • KYC documents: (any one from the list mentioned below)
    • Passport
    • Driving license
    • PAN Card
    • Aadhaar Card with date of birth
    • Voters Id

View Personal Loan Eligibility and Documents Required

Personal Loan Application Process

  • Visit the Personal Loan section and click on the 'Apply Now' button
  • Provide your personal details such as mobile number and either Date of Birth or PAN
  • Key in the OTP that you receive on your mobile number
  • Give the consent for sharing your details for the purpose of verification of your documents
  • Keep your last six months bank statements and salary slips ready for uploading
  • Complete the eKYC and Video KYC process for your instant loan application to be complete

Apply for Personal Loan Now

Types of Personal Loan

Personal Loan for Wedding

Personal Loan for Wedding

Spare no strings attached to make your D-Day special! Secure the wedding of your dreams of with a Personal Loan for wedding tailored to meet your needs.

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Personal Loan for Home Renovation

Personal Loan for Home Renovation

Elevate your space with a Personal Loan for home renovation and bring your aspirations to life. Get the loan amount of your choice and repay at your convenience

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Personal Loan for Travel

Personal Loan for Travel

Make memories to last a life time as you go on your dream holiday. Avail a Personal Loan for travel and enjoy flexible payment terms and competitive interest rates

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Personal Loan for Higher Education

Personal Loan for Higher Education

Invest in your future with a Personal Loan for higher education. Unlock academic potential with flexible financing, empowering you to pursue your dreams and educational goals confidently.

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Personal Loan for Salaried

Personal Loan for Salaried

Avail the supplement to your stable and secure salaried income to support your extra financial needs with ease.

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Personal Loan for Women

Personal Loan for Women

We are here to empower your financial freedom & aspirations with tailored Personal Loan options addressing your various needs.

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Emergency Loan

Emergency Loan

Avail an Emergency Loan for any unexpected expenses to cover any unforeseen requirements with flexible repayment options.

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Unsecured Loan

Unsecured Loan

Avail collateral free financing for any of your urgent requirements in form of Unsecured Loans with our hassle-free experience.

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Pre-approved Personal Loan

Pre-approved Personal Loan

Enjoy Pre-approved Personal Loans with priority processing making your financial goals achievable in minutes.

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MCLR Rates

Fixed Rate Loan1 Yr MCLRSpread over 1 year MCLREffective ROIReset
Personal Loan9.40%1.7% to 12.6%11.25% to 22%No Reset

View Personal Loan Interest Rates

Personal Loan FAQs

A Personal Loan is a collateral-free loan provided by banks with minimal documentation requirements. Approval is based on specific eligibility factors, including employment status, credit score, income, repayment track record, and financial capacity.

An instant personal loan can be utilised for a variety of reasons, such as home renovations, marriage, education, travel plans, or any other personal reason. Like any other loan, you must repay the loan according to the bank’s terms and conditions within the set tenure. Once you apply for a personal loan, it is processed quickly and gives you instant access to funds. Axis Bank offers personal loans of up to ₹40 lakhs to salaried individuals at competitive interest rates with flexible tenures and transparent terms.

Personal Loans are fixed-sum funds provided by banks or financial institutions for personal expenses. Repayment is done through EMIs over a predetermined tenure, along with applicable interest.

Consider a personal loan for immediate financial needs like home renovations, an unexpected trip, education expenses, or debt consolidation.

Personal Loans can be used for various purposes such as medical emergencies, weddings, travel expenses, or even debt consolidation.

The maximum loan amount varies from bank to bank and is based on individual eligibility, income, credit score, and lender policies. Axis Bank offers Personal Loans up to a maximum of ₹40 lakh, if you have an existing relationship with Axis bank and ₹25 lakh, if you don’t have an existing relationship with the Bank.

Axis Bank offers unsecured personal loans, which does not require collateral or assets.

View Personal Loan FAQs

Customer Reviews

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More about Personal Loan

Get Personal Loan of Different Amounts

Personal Loan of ₹50,000Personal Loan of ₹50,000
Personal Loan of ₹60,000Personal Loan of ₹60,000
Personal Loan of ₹70,000Personal Loan of ₹70,000
Personal Loan of ₹80,000Personal Loan of ₹80,000
Personal Loan of ₹1 lakhPersonal Loan of ₹1 lakh
Personal Loan of ₹2 lakhsPersonal Loan of ₹2 lakhs
Personal Loan of ₹3 lakhsPersonal Loan of ₹3 lakhs
Personal Loan of ₹5 lakhsPersonal Loan of ₹5 lakhs

Get Personal Loan for Different Salary

Personal loan for ₹25,000 salaryPersonal loan for ₹25,000 salary
Personal loan for ₹30,000 salaryPersonal loan for ₹30,000 salary
Personal loan for ₹40,000 salaryPersonal loan for ₹40,000 salary
Personal loan for ₹50,000 salaryPersonal loan for ₹50,000 salary
Personal loan for ₹60,000 salaryPersonal loan for ₹60,000 salary

Personal Loans Online in Your City

Apply for an Axis Bank Personal Loan from anywhere, anytime and get the funds you need within minutes. You can easily apply for Personal Loan in any of the major cities in India and meet your needs effortlessly. We offer a digital journey from start to finish. Apply for an instant loan, get the approval and the funds credited into your account, with minimal documentation.