Private bank
Axis Bank
One of India's largest private banks, active across personal, home, vehicle and business lending.
Best for: Corporate salaried borrowers and SMEs with strong banking.
Apply with pre-screening
We check your profile against Axis Bank's policy and others on the panel before any application.
Typical strengths
- Competitive personal loan pricing for corporate salary accounts
- Flexible home loan variants
- Active business loan programmes
Interest rates, fees and eligibility shown on this site are indicative, vary by lender and borrower profile, and are subject to change without notice. Always read the lender's Key Fact Statement (KFS) before signing. Loan approval and terms are decided solely by Axis Bank under its credit policy.
Products
What we arrange with Axis Bank
- Personal Loan
- Home Loan
- Business Loan
- Loan Against Property
- Car Loan
- Education Loan
- Gold Loan
- Working Capital - OD / CC
- Home Loan Balance Transfer
Personal Loan
Collateral-free personal loans from ₹50,000 to ₹50 lakh at rates starting around 10.25% p.a., with disbursal typically within 48 hours of approval.
- Rate from
- 10.25% p.a.
- Up to
- ₹50 L
Home Loan
Home loans from ₹5 lakh to ₹10 crore at floating rates from about 7.35% p.a., with up to 90% funding and tenures up to 30 years, across banks and housing finance companies.
- Rate from
- 7.35% p.a.
- Up to
- ₹10 Cr
Business Loan
Unsecured business loans from ₹2 lakh to ₹1 crore for proprietors, partnerships and companies, at rates from about 14% p.a., with tenures up to 5 years and minimal collateral requirements.
- Rate from
- 14.00% p.a.
- Up to
- ₹1 Cr
Loan Against Property
Loans against residential, commercial or industrial property from ₹10 lakh to ₹15 crore at rates from about 8.75% p.a., with tenures up to 15 to 20 years and funding up to 70% of market value.
- Rate from
- 8.75% p.a.
- Up to
- ₹15 Cr
Our read
Where Axis Bank fits
Axis Bank is at its most competitive on personal loans for people employed by companies on its approved corporate list. That list, not your salary figure, is often what separates a sharp quote from an ordinary one, so it is the first thing we check. If your employer is on it, this is frequently the strongest unsecured option on our panel.
The home loan range includes several variants that behave differently over the life of the loan, including structures aimed at borrowers who expect income to rise. These are worth understanding before you sign, because the cheapest opening rate and the cheapest total cost are not always the same product.
Worth knowing
- Personal loan pricing is noticeably employer-sensitive, so a strong applicant at an unlisted company may do better elsewhere.
- The choice between home loan variants materially changes what you pay overall; the headline rate alone will mislead you here.
Our assessment, not a statement of Axis Bank’s policy. Terms are set by the lender and can change.
Questions
Axis Bank: common questions
How do I know if my employer is on the approved list?
Ask us. The list is not public and it changes, so guessing wastes an application. We check it against your employer before we submit anything, and if you are not on it we move to a lender where that does not matter.
Which Axis home loan variant should I choose?
It depends on how you expect your income and your prepayment ability to change. We model the total cost of each option against your actual plans rather than comparing opening rates, which is where most borrowers go wrong.
Is a corporate salary account required?
No. It is one of several inputs into pricing, not a gate. A strong credit history and stable employment can carry a file on their own.
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