EWG
Fact-Checked by: Senior Loan Advisory & Compliance Desk
Earth Wealth Group • Source: Bank Official Lending Schedules
📅 Rates Last Verified: September 2026
Interest Rate (ROI)
10.49%
10.49% - 16.00% p.a.
Maximum Sanction
₹40 Lakhs
Tenure: 12 to 60 Months
Minimum Salary
₹25,000
Required CIBIL: 720+
Processing Speed
Within 03 to 48 Hours As per profile
Paperless e-KYC
🎯 Who Should Choose Axis Bank?
Salaried corporate employees and professionals with monthly earnings of ₹25,000+ seeking rapid digital personal financing without visiting a physical branch.
Pros & Cons of Axis Bank
Advantages
- ✅ High approval rate with 100% digital KYC and e-sign journey
- ✅ Attractive balance transfer options with top-up loan facility
- ✅ Flexible EMI tenure up to 5 years for comfortable repayments
Considerations
- ⚠️ Foreclosure charges apply if closed within 12 months
- ⚠️ Standard processing fee ranges between 1.5% to 2% + GST
Illustrative Monthly EMI Matrix (10.49%)
Realistic installment breakdowns based on sample loan amounts:
| Loan Amount | Tenure | Interest Rate | Monthly EMI | Total Interest |
|---|---|---|---|---|
| ₹3,00,000 | 3 Years (36 Mos) | 10.49% | ₹9,752 | ₹51,072 |
| ₹5,00,000 | 4 Years (48 Mos) | 10.49% | ₹12,804 | ₹1,14,592 |
| ₹10,00,000 | 5 Years (60 Mos) | 10.49% | ₹21,494 | ₹2,89,640 |
Eligibility Criteria
Age Requirement: 21 to 60 Years
Employment Status: Salaried corporate employees, Govt/PSU staff, and professionals
Work Experience: Minimum 1 year total experience with 6 months in current employment
Salary Credit: Direct salary transfer into savings account
Documents Required for Fast Approval
- Identity Proof: PAN Card (Mandatory), Aadhaar Card, Passport or Voter ID
- Address Proof: Aadhaar Card, Passport, Driving License or latest utility bill
- Income Verification: Latest 3 months salary slips with clear gross/net deductions
- Banking Proof: Last 6 months bank statement in PDF format
Frequently Asked Questions: Axis Bank
What is the minimum monthly salary for an Axis Bank personal loan?
The minimum net monthly salary required for Axis Bank personal loan is ₹25,000 for salaried employees across metro and non-metro cities.
Can I get pre-approved personal loans from Axis Bank through Earth Wealth Group?
Yes, selected customers and corporate salaried employees can receive instant in-principle pre-approval with zero paperwork.
Does Axis Bank permit part-payment of the loan?
Yes, Axis Bank allows part-prepayment after the payment of 12 regular EMIs, subject to standard bank guidelines.
Compare Alternative Leading Lenders
HDFC Bank LoanStarting from 10.49%ICICI Bank LoanStarting from 10.65%IDFC FIRST Bank LoanStarting from 10.75%InCred Finance LoanStarting from 11.99%
National Bank Benchmark Table
📅 Rates Last Verified: September 2026 | Source: Bank Official Lending Schedules & RBI Master Directions
🛡️ Reviewed by: Senior Loan Advisory & Compliance Desk, Earth Wealth Group
| Bank / Rating | Starting ROI | Max Loan | Processing Fee | Min Salary | Action |
|---|---|---|---|---|---|
|
HDFC Bank
Best for Corporate Salaried
FinTech Score: 8.9 / 10
|
10.49% 10.49% - 15.00% p.a. |
₹50 Lakhs 12 to 72 Months |
Up to 1.50% - 2.50% (Min ₹4,999) | ₹25,000/month (Tier 1) / ₹20,000 (Tier 2) CIBIL: 750+ |
Check HDFC Bank Eligibility |
|
ICICI Bank
Fastest Disbursal
FinTech Score: 8.7 / 10
|
10.65% 10.65% - 16.00% p.a. |
₹50 Lakhs 12 to 60 Months |
Up to 1.50% - 2.25% of loan amount | ₹30,000/month (Metro) / ₹25,000 (Other) CIBIL: 720+ |
Check ICICI Bank Eligibility |
|
IDFC FIRST Bank
Zero Part-Payment Fee
FinTech Score: 8.8 / 10
|
10.75% 10.75% - 18.00% p.a. |
₹1 Crore 12 to 84 Months |
Starting from 1.00% to 2.00% | ₹20,000/month across Pan India CIBIL: 700+ |
Check IDFC FIRST Bank Eligibility |
|
InCred Finance
Best for Fast Approval
FinTech Score: 8.0 / 10
|
11.99% 11.99% - 24.00% p.a. |
₹15 Lakhs 12 to 48 Months |
2.00% - 3.00% | ₹18,000/month CIBIL: 650+ |
Check InCred Finance Eligibility |
|
Axis Bank
Best for Easy Digital Approval
FinTech Score: 8.8 / 10
|
10.49% 10.49% - 16.00% p.a. |
₹40 Lakhs 12 to 60 Months |
Up to 1.50% - 2.00% + GST | ₹25,000/month across Pan India CIBIL: 720+ |
Check Axis Bank Eligibility |
Transparency Disclaimer for Axis Bank Personal Loan:
Earth Wealth Group is an authorized sourcing channel for Axis Bank. Rates, eligibility norms, processing charges, and approval conditions are dynamically governed by the lending partner's internal credit policies. We charge zero upfront fees from borrowers.