Axis Bank Personal Loan

Fast processing, quick disbursal

Fulfill plenty of purposes with Axis Bank Personal Loan. Plan your vacation, renovate your home or arrange a grand wedding ceremony for you and your loved ones. 

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Axis Bank Personal Loan

 


Transform your dreams into reality with Axis Bank Personal Loans. From renovating your home to giving wings to your desired vacation, fulfill your aspirations with the Personal Loan you want the most.

 

Apply it today to get the fund directly into your account. But to do that you must know how eligible you are.

 

Who can apply for a personal loan:

 

Salaried Employees

Salaried doctors

Employees of public and private limited companies

Government sector employees including Public Sector Undertakings, Central and Local bodies

Minimum age of 21 years

Maximum age of 60 years at the time of maturity of the Personal Loan

Minimum net monthly income – INR 15,000

 

Documents required for Personal Loan

 

Duly filled application form

KYC documents

Loan agreement duly signed and Standing Instruction (SI) Request / ECS Forms

 

 

Document category

Documents required

KYC Document

Any one of the following KYC documents (OVD) to be collected as per the policy of RBI:

Passport

Driving license with Photograph

Proof of possession of Aadhaar number

Voter's ID

Job Card by NREGA signed by an officer of the State Government

Letter issued by the National Population Register containing details of Name, Address

 

 

 

Date of Birth Proof

Any one of the following:

Passport

PAN Card

Aadhaar Card with DOB

Driving license with Photograph

Birth Certificate

School Leaving certificate

 

Signature Proof

Any one of the following:

Passport

Pan Card

Banker's Verification

Proof of Income

Latest 2 months pay slip

Latest 2 months bank statement showing salary credits

One year Employment proof (Not required if DOJ mentioned in payslip and working for more than 1 year)

Other Important Documents and Checks

Completely filled and duly signed application form along with applicants’ latest passport size color photo

Self-attestation of borrowers on all documents

 

Along with these documents, few more can be asked to furnish as this is just a tentative list. More documents are required depending on a case-to-case basis.

eligibility

How to improve your Axis Bank Personal Loan Eligibility?

Follow these tips to improve your Axis Bank Personal Loan Eligibility –

Get Rid of Debts

Maintain a good repayment history by paying off your existing loans and liabilities on time without defaulting

Maintain a good CIBIL Score

Try to build a CIBIL score above 750

Do not apply for multiple loans simultaneously

Apply for a loan that fits your needs, raising multiple loan applications can decrease your credit worthiness

Choose a longer loan tenure

Opt for a longer repayment tenure that will allow you to disburse the overall due amount over a longer time span. This will also help in reducing the EMI amount.

Add Co-applicants

A co-borrower (a spouse, or parent) with a good income and credit score will boost your eligibility for a bigger loan amount.

improve-eligibility

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