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Axis Bank Personal Loan

Axis Bank Personal Loan

 

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2 review(s)
Expert Review | Write a Review

  • Maximum Loan Amount
  • Rs. 20 lakh
  • Minimum Loan Amount
  • Rs. 1 lakh
  • Interest Rate(Max)
  • 21 %
  • Interest Rate(Min)
  • 14 %
  • Interest Type
  • Fixed
  • Late Payment Fee
  • Processing Fees
  • 2 %
  • Prepayment Charges
  • 0 %
  • Repayment Period (Max)
  • 5 year(s)
  • Repayment Period (Min)
  • 1 year(s)

Features and Benefits of Axis Bank Personal Loan

Features:

·         Loan is available from 1 lakh to 20 lakh.

·         Loan repayment period from 12 to 60 months.

·         Balance transfer facility available.

·         For existing customer zero balance saving account facility is available

Eligibility:

·         Salaried individual includes salaried Doctors, CAs, Public and Private ltd companies employees, Government Sector employees including PSU’s ,Central, State or Local bodies with minimum age:21 years, maximum age:60 years having a minimum experience of 1 year. Minimum salary Rs.15000 per month. Maximum loan available Rs10 lakh.

·          Self-employed with minimum age of 24 to 65 years having an experience of 2 years. Minimum annual income Rs. 2.4 lakh, Maximum loan available is up to Rs 20 lakh.

Charges:

·         Loan processing charges: 1.5% to 2% of loan amount+service tax as applicable             

·         Cheque Bounce Charges: Rs 500 per cheque bounce+Service tax as applicable

·         Cheque/Instrument Swap charges: Rs 500 per instance +Service tax as applicable

·         Foreclosure Charges: Nil

·         Default Interest Rate:@ 24% p.a.ie.2% per month on the overdue installment

·         Duplicate Statement Issuance Charges: Rs 250 per instance + service tax as applicable

·         Duplicate Amortization Schedule Issuance Charges: Rs 250 per instance + service tax applicable

·         Issuance Charges for photocopy of loan agreement/documents: Rs 250 per instance + service tax applicable

Interest Rates:

·         Rate of interest rates:14.50% to 21.00%

Documents Required for Axis Bank Personal Loan


Salaried Individuals

  •    Application form with recent photograph
  •    Latest salary slip and Form 16
  •    Bank statement for last 3 months
  •    Proof of Identity (any one): Passport/Driving licence/Photo credit card/Employee licence/Voter's ID/PAN card
  •    Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill

Self Employed

  •    Application form with recent photograph
  •    IT returns for last 2 years
  •    Bank statement for last 6 months
  •    Proof of Identity (any one): Passport/Driving licence/Photo credit card/Employee licence/Voter's ID/PAN card
  •    Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill
  •    P&L and Balance Sheet for last 2 years certified/audited by CA
     

Expert Review of Axis Bank Personal Loan

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User Reviews

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Axis bank personal loans have quick processing

By: john, India | 01 June 2010

Axis bank personal loans have quick processing. Since i needed urgent cash i approached Axis bank for their personal loans. They assured me that it would be dispatched in no time. True, it was dispatc...[Read]

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  • Product Rating -

Average user rating

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Axis Bank Personal Laon

By: Preeti, India | 29 July 2011

Overall good service. Terms and conditions also favorable...[Read]

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