Unlock the value of your property with a secured loan designed to meet business or personal financial needs.

Axis Finance Personal Loan is designed to solve your financial requirements be it for a medical emergency, planning a much-needed family vacation, school fee, or for that makeover you have been waiting for, we offer straightforward financial solutions that can alleviate your worries. With our hassle free process you can avail Personal loan up to Rs 50 lakhs tailored to suit your requirements with a flexible loan tenure up to 7 years. 

Axis Finance Business Loan is the ideal solution for borrowers in need of funds to meet your immediate cash flow needs, purchase machinery to grow your business or increase stocks to cater to the upcoming festive season. We offer business loans up to Rs 50 lakhs to meet your short-term and medium-term financial needs, for a loan tenure of up to 48 months. Our simple and hassle-free processes offer faster processing of loans from anywhere.

Turn your dream of owning a home into reality with simple and flexible home loans tailored to your needs.

Calculators
Public Auction under SARFAESI

Our portfolio comprises of secured loans against a variety of asset classes (ready residential, commercial and industrial properties etc.) with an identified cash-flow (rent, dividend, royalty, fee, dedicated business revenue etc.).

Our Corporate loan segment within the Wholesale Banking is sector agnostic and provides loan facilities with tenures ranging from 1 year to 12 years to all sizes of corporates (Conglomerates, large to mid-sized corporates and SMEs).

Our RE lending includes developers who have delivered ~2Mn sq.ft. of area comprising of ready inventory / late-stage projects and select under construction projects. We operate in all Tier 1 and Metro Cities and select micro-markets in Tier II cities as well.

Locate Us
Public Auction under SARFAESI

Insurance serves as the cornerstone of financial stability, providing a vital shield against life's uncertainties. Acting as a robust safety net, it safeguards your assets, health and loved ones from unexpected accidents and unforeseen disasters. Discover a diverse range of insurance products tailored to your specific needs and requirements, ensuring comprehensive protection and peace of mind for you and your family.

Life insurance is more than just financial protection; it's about safeguarding the ones we love.
With Axis Finance Ltd, you're not just getting insurance - you're getting a partner in financial security. Let us help you protect what matters most with the trusted insurers in the market.

With Axis Finance Limited, you will receive comprehensive plans to suit your General Insurance needs like Home Insurance, Commercial Property Insurance.

Explore the coverage options and enjoy peace of mind knowing that you and your loved ones are protected against unforeseen medical expenses.

Insurance Grievance Redressal Mechanism

Fair Practices Code

The Reserve Bank of India (RBI) has issued guidelines on Fair Practices Code for Non-Banking Financial Companies (NBFCs) thereby setting standards for fair business and corporate practices while dealing with their customers. Axis Finance Ltd. (“the Company/AFL”) hereby furnishes the Fair Practices Code (“the FPC”) based on the guidelines issued by RBI. The Company shall also make appropriate modifications in the FPC from time to time to confirm to the standards that may be prescribed by RBI from time to time. Considering the nature of business of the Company, it is proposed to establish the following as the Fair Practices Code for the Company‟s lending activities

The Fair Practices Code, as mentioned herein below, is in conformity with these Guidelines on Fair Practices Code for NBFCs as contained in the aforesaid RBI Circular. This sets minimum Fair Practice standards for the Company to follow when dealing with customers. It provides information to customers and explains how the Company is expected to deal with them on a day to day basis.

Fair Practices Code

Objective of the Code

The code has been developed with an objective of:

  • Ensuring fair practices while dealing with customers
  • Greater transparency enabling customers in having a better understanding of the product and taking informed decisions
  • Building customer confidence in the company

Objective of the Code

  • Axis Finance Limited (“The Company/AFL) offers various financial products including Loan against Securities, structured products, Event Based Funding, Loan against property, Consumer Durable Loans, Business Loans, Personal Loans among others. All communications to the borrower shall be in vernacular language as understood by the borrower.
  • The Application Form / appropriate documents of AFL for each of these products offered by the Company is different depending upon the requirement of each product and will include all information that is required to be submitted by the Borrower. Necessary information will be provided by AFL to facilitate the Borrower in making a meaningful comparison with similar terms and conditions offered by other Non-Banking Finance Companies (NBFCs) and taking an informed decision based on the aforesaid comparison.
  • The Application Form/ appropriate documents of AFL may also indicate the list of documents required to be submitted by the Borrowers along with the Application form.
  • AFL has a mechanism of giving an acknowledgement for receipt of Application from to its, Borrower for availing loans. AFL would inform the Borrower about its decision within reasonable period of time from the date of receipt of all the required information in full.

AFL shall convey in writing to the Borrower by way of a sanction letter or otherwise, the amount of limit sanctioned along with all the terms and conditions including annualized rate of discount/ interest and method of application thereof and keep the acceptance of these terms and conditions by the borrower on AFL’s record. Any clause relating to penal interest charged for late repayment will be specified in bold in appropriate documentation. AFL at the time of sanction / disbursements of loans will furnish a copy of loan agreement to the borrower.

  • Through its published website or as appropriate if specific to a customer, AFL will give Notice to all its Borrowers, of any change in the terms and conditions of sanction including disbursement schedule, interest rate, service charges, prepayment charges etc,. AFL will also ensure that changes in discount/ interest rates and charges are effected only prospectively.
  • Decision to recall/ accelerate payment or performance under the Agreement will be in consonance with the respective loan Agreement.
  • AFL will release all securities of its Borrower only on repayment of all dues by such Borrower, or only on realization of the outstanding amount of the Borrower‟s availed limit, subject to any legitimate right or lien for any other claim which AFL may have against its Borrower. If such right of set off is to be exercised, the Borrower will be given notice about the same with full particulars about the remaining claims and conditions under which AFL will be entitled to retain the securities till the relevant claim is settled or paid by the Borrower.

  • AFL will refrain from interference in the affairs of its Borrower except for the purposes provided in the terms and conditions of the respective loan agreement (unless new information, not earlier disclosed by the Borrower, which may come to the notice of AFL).
  • In case of receipt of request from the Borrower for transfer of Borrower account, the consent or otherwise i.e. objection of AFL, if any, is generally conveyed to such Borrower within 21 days from the date of receipt of the Borrower‟s request. Such transfer will be as per transparent contractual terms in consonance with all the applicable laws
  • In the matter of recovery of outstanding dues of its Borrower, AFL does not resort to undue harassment viz. persistently bothering the borrowers at odd hours, use of muscle power for recovery of loans/dues, etc. Training will be imparted to ensure that staff is adequately trained to deal with customers in an appropriate manner.
  • AFL shall not charge foreclosure charges/pre-payment penalties on any floating rate term loan sanctioned for the purposes other than business to individual borrower, with or without co-obligant

The Company has laid down appropriate internal principles and procedures in determining interest rates and processing and other charges.

The Company has adopted an interest rate model taking into account cost of funds, margin and risk premium for determining rate of interest to be charged for loans and advances.

The rate of interest to be charged depends much upon the gradation of the risk of borrower viz. the financial strength, business, regulatory environment affecting the business, competition, past history of the borrower etc.

Step 1: Lodge Your Complaint

You can reach us for any complaint through any of the below mentioned channels: Customer Service Id customer.support@axisfinance.in E-mail us at grievance@axisfinance.in or Contact us on Toll Free Number: 1800 419 0094 or Click Here for Customer Feedback or
You can record service grievance via post to our registered office mentioned below. Mark attention to Ms.Mangal Sarang our grievance redressal officer.
You can register service grievance through customer portal. To log in and register grievance Click here
Customer can also raise their concerns during “Grievance Redress Day” which is getting conducted at all Axis Finance branches on every 3rd Saturday of the month.
You can also sent physical letter at our registered address as mentioned below.

Address:

Axis Finance Limited
Axis House, Ground Floor,
C2, Wadia International Centre
P.B. Marg, Worli,
Mumbai 400025

If you wish to visit in person for service assistance you may visit our nearest branch.

Step 2: Escalation to Grievance Redressal Officer

If the customer is not satisfied with the resolution provided by customer service representatives, or doesn’t receive any response within 10 working days he/she can write, mail or call to the grievance redressal officer of the Company:

Ms.Mangal Sarang
Axis House, Ground Floor,
C2, Wadia International Centre
P.B. Marg, Worli,
Mumbai – 400025
Tel no: 91-22-62260049
Email id: grievance@axisfinance.in

Step 3: Escalation to Principal Nodal Officer

If the customer is not satisfied with the resolution offered by grievance redressal officer, or doesn’t receive any response within 20 working days he/she can write, mail or call to the Principal Nodal Officer of the Company:

Name, Address and Contact details of Principal Nodal Officer

Ms.Preeti Singh
Axis House,Grould Floor,C-2 Wadia International Centre,
P.B Marg,Worli,Mumbai -400025
Telephone Number: 91-22-6226 0248
Mobile Number: +91 8655749343
Email id: axisfinance.nodalofficer@axisfinance.in

Step 4: Ombudsman

If the complaint is not redressed within a period of one month, the customer may approach and lodge a complaint to the RBI Integrated Ombudsman.

Customer can use Complaint lodging portal of the Ombudsman: https://cms.rbi.org.in to register complaint. The customer can access the Ombudsman scheme along with the salient features of the scheme, contact details of Nodal Officer and address of Centralized Receipt and Processing Centre (CRPC) set-up at RBI on https://axisfinance.in/Customer-Services/RBI-Integrated-Ombudsman-Scheme

Review

The fair practices code will be available on the website of the Company for the information of its borrowers and various stakeholders. Any enhancements or change in the scope of this code will be uploaded from time to time in future on the said website.

The aforesaid policy will be reviewed annually by the Board of Directors or as and when there are any new changes incorporated by AFL in handling complaints / grievances of the customer which includes introduction of new grievance channels, if any.

Fair Practices Code - Bengali

Download

Fair Practices Code - Gujarati

Download

Fair Practices Code - Hindi

Download

Fair Practices Code - Kannada

Download

Fair Practices Code - Malayalam

Download

Fair Practices Code - Marathi

Download

Fair Practices Code - Oriya

Download

Fair Practices Code - Punjabi

Download

Fair Practices Code - Tamil

Download

Fair Practices Code - Telugu

Download

Fair Practices Code - Urdu

Download

Fair Practices Code - English

Download