Axis Bank serves metros and tier-2 cities with a fully digital loan journey. Home, personal, car, education and gold loans (up to ₹5 crore) are all available with strong app support.
Indicative Axis Bank interest rates (August 2026)
| Loan Type | Indicative Rate (onwards) |
|---|---|
| Home Loan | ~8.9% p.a. |
| Personal Loan | ~11.25% p.a. |
| Car Loan | ~9.1% p.a. |
| Education Loan | ~9.5% p.a. |
| Gold Loan | ~8.8% p.a. |
| Business Loan | ~13.0% p.a. |
| LAP Loan | ~10.25% p.a. |
Eligibility (typical)
Salaried: 21–60, stable income, CIBIL 750+. Existing Axis salary-account customers get faster approvals and better rates. Self-employed: ITR 1–2 years.
Application process
Apply on Axis Mobile / axisbank.com → eligibility check → documents → video KYC → sanction → e-sign → disbursal (same day to 3 days).
Tips before you apply
Hold a salary account with Axis for 6+ months before applying to unlock pre-approved offers. Compare the Axis home rate with SBI/BOB — private vs PSU can differ by 0.2–0.5%.
Frequently Asked Questions
A> Pre-approved customers can get money within minutes via the Axis Mobile app; fresh applications usually take 1–3 working days.
A> Yes — Axis offers NRI home loans for purchase/construction in India with online application support.
A> Up to ₹5 crore (indicative) with quick disbursal; loans up to ₹2 lakh can sometimes be processed digitally.
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