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:
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
Loan agreement duly signed and Standing Instruction (SI) Request / ECS Forms
Any one of the following KYC documents (OVD) to be collected as per the policy of RBI:
Date of Birth Proof
Any one of the following:
Any one of the following:
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.
Follow these tips to improve your Axis Bank Personal Loan Eligibility –
Maintain a good repayment history by paying off your existing loans and liabilities on time without defaulting
Try to build a CIBIL score above 750
Apply for a loan that fits your needs, raising multiple loan applications can decrease your credit worthiness
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.
A co-borrower (a spouse, or parent) with a good income and credit score will boost your eligibility for a bigger loan amount.
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