AXAxis Bank Calculators & Rates 2026Private bank
Current Axis loan and deposit rates, each wired to a calculator preset to that rate — plus how Axis compares with other banks.
How Axis compares with other banks
Axis's home loan rate of 8.75% is the 7th lowest of 7 banks (best: PNB at 8.35%) — 0.05 percentage points above the 8.70% median.
Axis's personal loan rate of 10.99% is the 3rd lowest of 8 banks (best: HDFC at 10.75%) — 0.03 percentage points below the 11.02% median.
Axis's car loan rate of 9.30% is the 7th lowest of 7 banks (best: BoB at 8.85%) — 0.20 percentage points above the 9.10% median.
Axis's 1-year FD rate of 6.70% is the 7th highest of 8 banks (best: AU SFB at 7.25%) — 0.10 percentage points below the 6.80% median.
Axis's 1-year RD rate of 6.70% is the 6th highest of 8 banks (best: AU SFB at 7.20%) — 0.05 percentage points below the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
Axis fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from Axis’s own product terms that most change what you actually pay or receive:
Home loan
- Processing fee of up to 1% of the loan amount plus GST, subject to a minimum of ₹10,000.
- No prepayment or foreclosure charges on floating-rate home loans for individual borrowers, per RBI norms.
- Interest rate is linked to the Repo Rate (external benchmark) and resets on repo-rate revisions.
- Maximum repayment tenure of 30 years.
Personal loan
- Processing fee of up to 2% of the loan amount plus applicable GST.
- Foreclosure charges of up to 5% of the principal outstanding may apply after the lock-in period.
- Loan amounts range from ₹50,000 to ₹40,00,000 depending on eligibility.
- Repayment tenure ranges from 12 to 84 months.
Car loan
- Finance of up to 100% of the on-road price available for eligible customers and models.
- Processing fee of up to ₹5,500 plus applicable GST.
- Foreclosure charges of around 5% of the outstanding principal apply.
- Repayment tenure of up to 8 years for new cars.
FD · 1 year
- Minimum deposit of ₹5,000 to open a fixed deposit.
- Senior citizens earn an additional 0.50% over the applicable card rate.
- Premature withdrawal attracts an interest penalty of 0.50% to 1.00%.
- Deposits are insured up to ₹5,00,000 per depositor by DICGC.
RD · 1 year
- Minimum monthly installment of ₹500.
- Recurring deposit tenure ranges from 6 months to 10 years.
- Premature closure attracts an interest penalty as per the applicable slab.
- A penalty applies for delayed payment of monthly installments.
All Axis rates on this page were verified on 16 July 2026. Rates are indicative seed values; confirm with Axis before acting.