What Axis Bank asks for on personal, home, business, vehicle, education loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with Axis Bank and the other 39 lenders we track. It does not touch your credit score.
How Axis Bank tends to lend (our read): Lowest published income floor of the big private banks for its own customers, and the most permissive FOIR in market commentary. Good salvage lender when FOIR is the blocker. Lends in: Metro, Tier 2, Tier 3 / other locations.
₹25,000 net per month; ₹15,000 if your salary account is with this lender
Minimum credit score
720 (CIBIL or equivalent)
Employment
Salaried
Work experience (salaried)
1 year total, 6 months with the current employer
Loan amount
₹50,000 to ₹40,00,000
Tenure
1 year to 7 years
Interest rate
8.9% to 21.55% p.a.
EMI-to-income limit (FOIR)
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to 2% + GST; instrument return Rs 500 + GST; penal 8% a year on overdue; part-payment and foreclosure 3% up to 36 paid EMIs and 2% after (loans of Rs 10 lakh+ closed from own funds: nil after 12 EMIs).
Documents Axis Bank lists
Completed application form with photograph, signed loan agreement and SI / ECS forms
KYC: passport, driving licence, Aadhaar, voter ID, NREGA card or NPR letter; date-of-birth and signature proof
Latest 2 months' payslips and bank statements showing salary credits (the salaried checklist on the same page says 3 months)
One year of employment proof unless the payslip shows a joining date over a year ago
Research notes
Product page: salaried applicants only (government, PSU, public and private limited company staff, salaried doctors), age 21 to 60 at maturity, Rs 15,000 a month for Axis customers and Rs 25,000 for others; the earlier Delhi/Mumbai Rs 25,000 floor for all applicants is dropped because the product page gives Rs 15,000 to existing customers without a city carve-out. Axis calls 750+ a healthy score and advises keeping existing EMIs within 40% of take-home; the 720 floor, 60% FOIR, 22x multiple, 6 months in the current job, amount and tenure are our working estimates. Rate is the 3-year MCLR table, 8.90% to 21.55% (loans disbursed Apr to Jun 2026 ran 8.75% to 21.55%).
By ClearToLend's estimate (not a rule Axis Bank publishes). See the source card.
Age
21 to 65 years (age when the loan ends)
Minimum income
₹20,000 net per month; self-employed: ₹2,40,000 a year
Minimum credit score
680 (CIBIL or equivalent)
Employment
Salaried or self-employed
Business vintage (self-employed)
3 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹3,00,000 to ₹5,00,00,000
Tenure
3 years to 30 years
Interest rate
8% to 11.5% p.a.
EMI-to-income limit (FOIR)
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing fee up to 1% of the loan or Rs 10,000, whichever is higher, + GST (Rs 5,000 + GST upfront, non-refundable); ASHA Home Loan 1% to 2% + GST; prepayment nil on floating rate, 2% on fixed.
Documents Axis Bank lists
Application form, PAN (mandatory), photographs; identity, address, date-of-birth and signature proof
Self-employed: 2 years' ITR with computation, CA-signed P&L and balance sheet, tax audit report where applicable, 6 months' bank statements, business existence proof
Property: sale agreement, title / sale deed, approved building plan
Research notes
Product and eligibility pages: age above 21 at commencement and under 65 (or retirement for salaried) at maturity, loans up to Rs 5 crore, margin 10% / 20% / 25% by ticket; self-employed applicants file 2 years' ITR. Axis publishes no income floor, score, FOIR or vintage, so those values (and the Rs 3 lakh minimum) are our estimates and the block stays inferred. Rate starts at 8.00% on the rates page; the 11.5% cap is our estimate.
Processing fee up to 2.25% + GST; prepayment or foreclosure 4% (tenure up to 24 months), 3% (25 to 36) or 2% (over 36) of principal outstanding + GST, part-prepayment 2% (nil for MSE fixed-rate loans up to Rs 50 lakh); instrument return Rs 500 + GST; penal 8% a year on overdue.
Documents Axis Bank lists
KYC documents and PAN card or Form 60
Duly completed application form signed by the customer
Relevant financial documents and business proof
Bank account statement for the last 6 months
Research notes
The 24x7 Business Loan page sets 3 years of business vintage and Rs 30 lakh turnover for proprietorships, partnerships and private companies; the business-banking page offers collateral-free loans up to Rs 2 crore over 6 to 60 months. Rate spans the fixed-rate grid, Business Loan SEP 10.99% to 16.25% and SENP 15.00% to 25.00%. Age 21 to 65, the 700 / 750 scores, GST requirement, 2-year ITR rule and Rs 50,000 minimum are our estimates.
18 to 60 years (age when the loan ends); self-employed up to 75
Minimum income
₹33,333 net per month; self-employed: ₹3,50,000 a year
Employment
Salaried or self-employed
Work experience (salaried)
1 year with the current employer
Business vintage (self-employed)
3 years in business
Vehicles financed
New car, used car
Interest rate
8.8% to 11.7% p.a.
Fees and charges
New car: processing up to 2% of the loan amount + GST; documentation Rs 700 + GST. Used car: processing Rs 6,000 or up to 2% + GST, whichever is higher.
Documents Axis Bank lists
Application form, proforma invoice, passport-size photograph and KYC
Salaried: last two months' salary slips, latest Form 16 or ITR, 3 months' bank statement, proof of age
Self-employed: audited balance sheet, P&L and ITR for the past two years, 3 months' bank statement
Axis's car-loan page publishes: salaried 18 to 60 at maturity, net annual salary Rs 4 lakh for approved models (Rs 6 lakh for other models; Rs 33,333/month = 4 lakh / 12), one year's continuous employment; self-employed 18 to 75 at maturity, Rs 3.5 lakh net business income for approved models (Rs 6 lakh others) and 3 years in the same line of business. New-car rate is the product page's MCLR-linked 8.80%-11.70% (used cars 8.80%-14.55%; Jan-Mar 2026 disbursals 7.40%-12.10%). No amount, tenure, LTV or score floor is published.
Processing up to 2% of the loan + GST; prepayment and foreclosure nil on floating rate; penal 8% p.a. on overdue; rate conversion 1% (min Rs 5,000) + GST.
Research notes
Product/eligibility page: Indian citizen with at least 50% in HSC and graduation where applicable, admitted through entrance exam or merit to a career-focused graduate/postgraduate course in India or abroad; a co-applicant (parent, sibling or guarantor) must show regular income; collateral (property or Axis FD) may be required in appropriate cases, with no threshold published. No margin up to Rs 4 lakh or at select institutes; moratorium course + up to 12 months for select institutes. No student age, amount or tenure is published, so none is modelled. Rate: repo + 3.5% (9.00% at the 5.50% repo of 8 Oct 2026); the 13.00% cap is our estimate from the Apr-Jun 2026 disbursal PDF (3.50% subsidised minimum, 13.00% maximum, 9.22% mean).
ClearToLend is not affiliated with or endorsed by Axis Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Axis Bank before you apply. A match is not a loan offer or approval.
Axis Bank Loan FAQs
The minimum net monthly income is ₹25,000, according to Axis Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 720 or above, according to Axis Bank's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, according to Axis Bank's own website.
Rates run from 8.9% to 21.55% a year, according to Axis Bank's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹20,000, by ClearToLend's estimate (not a rule Axis Bank publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 680 or above, by ClearToLend's estimate (not a rule Axis Bank publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, by ClearToLend's estimate (not a rule Axis Bank publishes).
Rates run from 8% to 11.5% a year, by ClearToLend's estimate (not a rule Axis Bank publishes). Your own rate depends on your credit score, income and employer.
A credit score of 700 or above, according to Axis Bank's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 65 when the loan ends, according to Axis Bank's own website.
Rates run from 10.99% to 25% a year, according to Axis Bank's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Axis Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Axis Bank and does not send your details to it.
