Personal Loan

Turn your plans into reality with Axis Finance Personal Loan — a quick and convenient way to meet your financial needs without any collateral.
Whether you are planning to renovate your home, go on a dream vacation, manage wedding expenses or meeting sudden financial needs – access funds instantly with Axis Finance Personal Loan

Get a loan of up to ₹50 Lakh with a repayment tenure of up to 84 months and competitive interest rates.

With minimal documentation, seamless loan journey and flexible repayment options, Axis Finance makes it easier to get funds when you need them most.

Personal Loan

Features & Benefits

Loan amount upto 50 Lacs*

Personal loans tailored to meet your financial needs-without the need for collateral

No Hidden Charges

Transparent pricing with zero surprises-know exactly what you're paying for

Seamless loan journey

Manage your loan with minimal paperwork and maximum convenience.

Top Up facility Available

Need extra funds? Easily top up your existing loan without fresh documentation or long wait times

Balance Transfer on outstanding of PL and Credit Cards

Consolidate your high-interest debts into one affordable EMI with Axis Finance personal loan balance transfer option.

EMI Calculator

₹50,000

₹10,00,00,000

%
1.00% 30%
Months
12 Months84 Months

Your EMI

50,000
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*Equated Monthly Installment

Total Amount Payable

1,37,621

These calculators are provided only as general self-help Planning Tools. Results depend on many factors, including the assumptions you provide. *All the amounts are Indicative.

Loan Can be Availed For

Axis Finance

Enjoy holidays of your desire

Plan your dream vacation with quick personal loan support

Axis Finance

Avail for any personal emergency

Quick funds to manage unexpected personal expenses

Axis Finance

Loan for your dream wedding

Make your special day memorable with hassle-free funding

Axis Finance

Consolidate all your existing loans

Combine your credit card , app loan and personal loan into one for easier repayment

Form Centre Personal Loan

Frequently Asked Questions

Still have a question?

If you can not find your answers to your questions in our FAQ's, you can get in touch with us.

Still have a question?

Consider a Personal Loan for needs like Marriage Expenses, Medical Emergency, Home Renovation, vacation or Debt Consolidation

No, you are not required to pledge any collateral/ property while applying for a Personal Loan.

Loan application can be tracked online. Follow the link to track the application https://www.axisfinance.in/track-application

EMI is calculated basis the loan amount, Loan tenure and the Borrowing rate. EMI = [P x R x (1+R)^N] / [(1+R)^N - 1], where P is the Loan Amount , R is the Borrowing Rate and N is the Loan tenure.

No tax benefit is applicable on Personal Loan

Below are the general list of documents required:

  • Mandatory - PAN Card or Form 60 and
  • Any one - Passport/ Voters ID/ Driving License/ Aadhar/ Nrega/ Population Register
  • Latest month pay slip
  • 3 or 6 months bank statement depending upon the program

Currently we are following EMI due dates as 1st, 5th & 10th of every month depending on internal assessment and customer preference.

NACH is the preferred mode of payment for loan repayments. Follow the link to know about our available payment options https://www.axisfinance.in/payment-options

Yes, partial payment towards Personal Loan will either reduce your EMI amount or loan tenure depending on the choice you make.

Personal Loan tenure ranges up to 84 months, subject to fulfilment of our Axis Finance (AFL) Internal Policy, Credit Criteria, Age of borrowers at loan maturity.

Axis Finance offers a Personal Loan with a minimum loan amount of Rs.50,000 and a maximum loan amount of Rs 50 Lakhs.

The minimum salary requirement for a Personal Loan from Axis Finance for preferred employers is as follows:

  • Metro - 40K
  • Urban - 30K
  • Semi Urban & Rural - 20K

Loan repayment is done through a registered NACH, you may refer to our various payment options available on our website https://www.axisfinance.in/payment-options

The processing time for a Personal Loan from Axis Finance typically ranges within a day to 4 working days, depending on the completeness of the application and documentation.

Among many criteria, Axis Finance generally assesses credit history and repayment capability.

Loan documents such as Loan Statement, Repayment Schedule and Interest Certificate can be downloaded from our self service channel using Customer Portal and WhatsApp services post loan disbursement.

Existing contact number & email id can be changed through Axis Finance customer portal, else a written request to be submitted along with valid identity and address proof to customer.support@axisfinance.in

An email request from registered email id to cutomer.support@axisfinance.in will be accepted for updation of address on receipt of valid address proof.

In case if you wish to change your bank account for making EMI Payments, a fresh E-Nach Registration would be initiated by Axis Finance which has to be ratified/ processed by the customer. The customer may submit the request with necessary supporting documents for Axis Finance to review.

Yes, Axis Finance offers a fixed interest rate for Personal Loans, ensuring that your monthly payments remain consistent throughout the loan tenure.

You can prepay the loan on any working day subject to clearing norms. For relevant charges please refer our schedule of charges for detailed information. Follow the link https://www.axisfinance.in/policies-and-standards/schedule-of-charges