Axis Personal Loan EMI Calculator
Preset to Axis's current personal loan emi rate of 10.99%. Change any value to see your own numbers.
- Current rate 10.99%
- Range 10.99–13.75%
- Rank #3 of 8 banks
- Verified 16 July 2026
Axis Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,52,123
- Total payment₹6,52,123
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,52,123
Axis personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Salaried, top-rated employer | 10.99% |
| Salaried, standard | 12.25% |
| Self-employed | 13.75% |
| Loan above ₹15,00,000 | 10.99% |
This Personal Loan calculator is preset to Axis Bank's current 10.99% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real Axis loan — change the amount or tenure to match yours.
Axis's personal loan rates run from 10.99% to 13.75% depending on your profile and loan size. Below is Axis's full rate table, the fees and rules that actually apply, and how Axis compares with the 8 banks we track — the one thing no bank's own page will show you.
Axis personal loan — key facts
- 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.
How Axis compares
Axis's personal loan rate is below the category median — competitive, but HDFC is cheaper at 10.75%.
Axis personal loan FAQs
What is Axis's personal loan interest rate in 2026?
Axis Bank offers personal loan rates from 10.99% to 13.75% (indicative headline 10.99%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a Axis personal loan?
The processing fee is Up to 2% of loan amount + GST. Processing fee of up to 2% of the loan amount plus applicable GST.
Can I prepay or foreclose my Axis personal loan early?
Foreclosure charges of up to 5% of the principal outstanding may apply after the lock-in period.
How is the EMI on a Axis personal loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 10.99% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.