एक्सिस बैंक पर्सनल लोन (स्वरोजगार)
Axis Bank personal loan for self-employed professionals and business owners up to ₹40 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Unsecured personal loan for self-employed professionals (Doctors, CAs, Architects) and business owners by Axis Bank, catering to emergency cash requirements or capital infusion.
प्रमुख लाभ एवं विशेषताएं
• High loan quantum up to ₹40 Lakhs without pledging business machinery or property • Repayment tenure up to 5 years (60 months) • Higher eligibility for certified professionals • Simplified online document upload via Axis digital portal.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Self-employed professionals, proprietors, and enterprise directors with minimum 3 years business continuity and taxable income >= ₹3 Lakhs/year. Min Age: 25, Max Age: 65. Min CIBIL: 720.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 12 months; foreclosure fee of 3% to 5% + GST applies.
📂आवश्यक दस्तावेज (Required Documents)
• Identity & Address Proof: PAN, Aadhaar, Business Registration • Financial Proof: Last 3 years ITR-V with Computation of Income, Audited P&L and Balance Sheet • Bank Statement: Last 12 months current account statements.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Minimum 3 years of audited financials and steady business stability required. • Heavy foreclosure penalty of up to 5% + GST if closed before tenure. • High interest rate ceiling up to 24% for moderate credit scores. • Physical office/business verification is compulsory.
🚀आवेदन के चरण (How to Apply)
1. Existing current account holders apply via Axis NetBanking with digital ITR verification.
1. Apply online at axisbank.com > Self-Employed Loans. Upload PAN, GST certificate, and last 2 years ITR-V.
1. Visit nearest Axis Bank branch with 3 years ITR, P&L statement, balance sheet, and 12 months current account bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the minimum annual income required?
Minimum verifiable annual taxable income of ₹3 Lakhs as per latest ITR.
What is the foreclosure charge?
3% to 5% + GST on the principal outstanding after the initial 12-month lock-in period.
Is collateral required?
No collateral or asset mortgage is required.