The Axis Bank personal loan interest rate is one of the key deciding factors when people look for instant, unsecured funding. Whether you’re salaried, self-employed, or working in a private or public organization, Axis Bank offers competitive interest rates and quick loan disbursals. This article covers everything you need to know, including the Axis Bank personal loan interest rate for employees, the latest offers, and how much you’ll pay for ₹5 lakh over different tenures.
📌 Overview of Axis Bank Personal Loan Interest
Axis Bank offers personal loans for various purposes like wedding expenses, home renovation, travel, or debt consolidation. It requires no collateral, and approval is based on credit profile and income.
Currently, the Axis personal loan interest rate ranges from 10.49% to 21% per annum depending on your profile.
📊 Axis Bank Personal Loan Interest Rate Chart – 2025
Here’s a breakdown of Axis personal loan interest rate and charges:
| Parameter | Details |
|---|---|
| Interest Rate Range | 10.49% to 21% p.a. |
| Loan Amount | ₹50,000 to ₹40 Lakhs |
| Tenure | 12 to 60 months |
| Processing Fee | Up to 2% + GST |
| Prepayment/Foreclosure Charges | 2% to 5% after 12 EMIs |
| Minimum Monthly Income | ₹15,000 (for salaried) |
These are general terms; exact figures may vary based on credit score and employment type.
👨💼 Axis Bank Personal Loan Interest Rate for Employees
For salaried professionals working in private, public, or MNC firms, Axis Bank offers special rates. The Axis Bank personal loan interest for employees is usually lower than for self-employed individuals.
Key Highlights:
- Salaried applicants in top-tier companies get better interest rates
- Loan processing is faster with minimal documents
- Interest rates may start at 10.49% if your profile qualifies
This makes the Axis personal loan interest rate for salaried a good deal, especially if you have stable employment and a good credit history.
💰 Axis Bank Personal Loan Interest Rate for ₹5 Lakh
Let’s understand how the interest rate impacts your loan amount. If you’re borrowing ₹5 lakh, your total interest depends on the rate and tenure.
EMI Calculation – ₹5 Lakh Loan
| Tenure | Interest Rate | EMI (Approx) | Total Interest | Total Repayment |
|---|---|---|---|---|
| 2 Years | 10.49% | ₹23,200 | ₹56,800 | ₹5,56,800 |
| 3 Years | 12% | ₹16,600 | ₹96,000 | ₹5,96,000 |
| 5 Years | 14% | ₹11,620 | ₹1,97,200 | ₹6,97,200 |
These numbers help you understand the Axis Bank personal loan interest for 5 lakh over multiple terms.
📱 Axis Bank Personal Loan Interest Calculator
Axis Bank provides an easy-to-use online personal loan interest rate calculator. This tool helps you:
- Check EMI based on loan amount, rate, and tenure
- Get a breakdown of interest payable
- Compare different loan offers
You just enter the amount (say ₹3 lakh), tenure (24 months), and interest rate (say 11%), and the calculator shows your EMI instantly.
Using the Axis Bank personal loan interest rate calculator helps you make a better decision before applying.
🎯 Axis Bank Personal Loan Interest Offer in 2025
Axis Bank often runs interest rate offers for select customers:
| Customer Type | Special Offer in 2025 |
|---|---|
| Corporate Salary A/C | Interest from 10.49% |
| Axis Credit Card Users | Pre-approved offers available |
| High CIBIL Score (>750) | Discounted interest rate |
| Women Applicants | Additional processing fee waiver |
These Axis Bank personal loan interest rate offers change from time to time and are communicated through email/SMS for eligible users.
🔍 Axis Bank Personal Loan Percentage vs Other Banks
To help you compare, here’s how Axis Bank personal loan interest compares with others:
| Bank Name | Interest Rate (p.a.) | Processing Fee |
|---|---|---|
| Axis Bank | 10.49% – 21% | Up to 2% + GST |
| HDFC Bank | 10.75% – 21% | Up to 2.5% + GST |
| ICICI Bank | 10.50% – 18% | Up to 2.25% + GST |
| SBI | 11% – 15.50% | 1.5% – 2% + GST |
As you can see, Axis Bank personal loan percentage is quite competitive, especially for salaried individuals.
EMI Calculator
📄 Documents Required for Axis Bank Personal Loan
To apply, you need:
- PAN Card
- Aadhaar or any address proof
- Salary slips of last 3 months
- Bank statements of 6 months
- Passport size photo
Employees of reputed firms may get quicker approval under Axis personal loan interest rate for employees.
📝 Conclusion
The Axis Bank personal loan interest in 2025 offers flexibility, good approval speed, and attractive rates, especially for salaried professionals. Whether you need funds for a wedding, education, or home repairs, Axis Bank has tailored solutions.
If you’re planning a loan for ₹5 lakh or using the Axis Bank personal loan interest calculator, always compare rates, tenure, and EMI before applying. The Axis Bank personal loan interest for salaried people and employees in reputed companies is among the best in India.
Make sure to maintain a good credit score, submit proper documents, and check if you qualify for special offers. A smart loan decision today can save you thousands tomorrow.