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.

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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.

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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

In view of the uncertainties created by the resurgence of the Covid-19 pandemic in India, RBI on May 5, 2021 has announced Resolution Framework – 2.0 for Individuals and small businesses vide Notification No. RBI/2021- 22/31 DOR.STR.REC.11/21.04.048/2021-22 (read with RBI/2021-22/46 DOR.STR.REC.20/21.04.048/2021-22 dated June 4, 2021) and for Micro, Small and Medium Enterprises (MSMEs) vide Notification no. RBI/2021-22/32-DOR.STR.REC.12/21.04.048/2021-22 (read with RBI/2021-22/47 DOR.STR.REC.21/21.04.048/2021-22 dated June 4, 2021) for restructuring existing loans without a downgrade in the asset classification subject to certain conditions.

As per the above RBI guidelines, AFL (“the Company”) has put in place a policy on implementing the resolution framework 2.0 for COVID related stress for Individuals, Small Businesses & MSMEs and the salient features is given under:-

  • Eligible Borrowers

    MSME

    Individual (Proprietorship) & non Individual borrower classified as a micro, small or medium enterprise as on March 31, 2021.

    The borrower should be classified as a micro, small or medium enterprise as on March 31, 2021 in terms of the Gazette Notification S.O. 2119 (E) dated June 26, 2020.

    GECL loans sanctioned under ECLGS

    Loan availed under ECLGS are eligible subject to guidelines laid down under ECLGS

    Personal Loans to Individuals

    Personal loans, for the purpose of the Resolution Framework includes loans given to individual borrowers and includes:

    • Loans for consumer durables,
    • Personal loans secured by immovable property, shares and bonds, etc. (other than for business / commercial purposes),
    • Personal loans to professionals (excluding loans for business purposes), · Loans given for other consumptions purposes (e.g. social ceremonies, etc.).
    • Education loan,
    • Loans given for creation/ enhancement of immovable assets (e.g., housing, etc.), and
    • Loans given for investment in financial assets (shares, debentures, etc.). Personal Loans will include only those loans, which are sanctioned for the purpose of Individual/ Personal consumption and not for business or commercial purpose

    Business Loans to Individuals

    Business loans for the purpose of the Resolution Framework shall mean loans given to individual borrowers for business purposes and to whom the lending institutions have aggregate exposure of not more than Rs. 50 crores as on March 31, 2021

    Loans to Small Businesses

    Loans to Small Businesses for the purpose of the Resolution Framework shall mean loans given to non-individual borrowers (other than those classified as MSMEs as on March 31, 2021) for business purposes, including those engaged in retail and wholesale trade, and to whom the lending institutions have aggregate exposure of not more than Rs. 50 crores as on March 31, 2021.

  • The aggregate exposure, including non-fund based facilities, of banks and NBFCs to the borrower does not exceed Rs. 50 crores as on March 31, 2021.
  • The account should be Standard as on 31.03.2021
  • The borrower’s account was not restructured in terms of the earlier MSME restructuring circulars of RBI.
  • The restructuring shall be treated as invoked when AFL and the borrower agree to proceed with the efforts towards finalising a restructuring plan to be implemented in respect of such borrower.
  • The last date of invocation of restructuring is September 30, 2021
  • Restructuring of the borrower account is to be implemented within 90 days from the date of invocation
  • Depending upon the requirement customer shall be asked for the requisite document at the time of loan restructuring application

  • Exclusions:

    The category of borrowers / credit facilities excluded from the eligibility for a resolution plan in the Resolution Framework 1.0, if any, shall not be eligible for restructuring under these updated / modified operating guidelines (i.e. farm credit, financial service providers, exposure to Central and State Governments, Local Government Bodies, etc.).

    Please note that the above measures for restructuring shall be contingent on AFL satisfying itself that the same is necessitated on account of the economic fallout from COVID-19. Further, accounts provided relief under these instructions shall be subject to subsequent supervisory review with regard to their justifiability on account of the economic fallout from COVID-19.

Process to apply for Loan Restructuring:

  • Contact your relationship manager
  • Customer care on customer.support@axisfinance.in from the registered email id with AFL customer id and subject “Application for Loan Restructuring”
  • Call to Customer care on 1800 419 0094 Monday to Friday (10.00 am to 6 pm) from registered mobile number
  • Visit your nearest AFL branch/office.

Please note Loan restructuring application cannot be accepted from non-registered email id or from a non-registered mobile number.

Grievance Redressal:

AFL’s extant Grievance Redressal Framework shall also apply for redressing the grievance of borrowers who request for resolution and / or are undergoing resolution under the Resolution Framework 2.0 announced by RBI. The details related grievance redressal mechanism can be accessed at https://www.axisfinance.in/Customer-Services/grievance-redressal-mechanism