Private Sector BankSalaried Employeesunsecured

Axis Bank 24x7 Personal Loan (Axis at Work)

एक्सिस बैंक 24x7 पर्सनल लोन

Axis Bank 24x7 personal loan for salaried professionals up to ₹40 Lakhs with instant digital approval.

Max Loan Amount

₹50,000 to ₹40,00,000

Interest Rate

10.75% - 22.00% p.a. (risk-grade fixed)

Tenure

12 to 60 months

Processing Fee

1.50% to 2.00% of loan amount + GST (Min ₹1,000)

✦ What It Is: Product Architecture & Regulatory Scope

Axis Bank's flagship unsecured personal credit product offering instant digital end-to-end processing for salaried individuals, featuring special rate tiers for employees under the Axis at Work corporate salary program.

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• Foreclosure lock-in of 12 months; cannot be closed early during first year. • Foreclosure fee of 2% to 4% + GST applies on outstanding balance. • Wide interest rate spread (up to 22%) for applicants with credit scores below 750. • Cross-selling of life/health insurance bundled by default.

✦ Key Benefits & Features

• High loan quantum up to ₹40 Lakhs without any physical collateral • End-to-end digital processing through Axis Mobile app • Special discounted rates and lower processing fees for corporate salary accounts • Simple online repayment schedule and EMI tracking.

✦ Prepayment, Part-Payment & Foreclosure Rules

Part-payment/foreclosure permitted after payment of 12 EMIs; foreclosure fee of 2% to 4% + GST applies.

✦ Eligibility Requirements

Confirmed salaried employees in reputed private corporates, MNCs, and Govt bodies. Min Age: 21, Max Age: 60. Min Net Monthly Income: ₹25,000. Min CIBIL: 720.

Min Age21 Years

Max Age60 Years

Min Monthly Income₹25,000

Min CIBIL Score720+

✦ Documents Required

• Identity Proof: PAN Card and Aadhaar Card • Employment Proof: Company ID Card, official email verification • Income Proof: Last 3 months salary slips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

1. Open Axis Mobile app > Loans > 24x7 Personal Loan. 2. Choose pre-approved amount, tenure, and e-sign via Aadhaar OTP. 3. Disbursed within minutes.

Pathway B

New Online Applicant (Fresh Digital)

1. Visit axisbank.com > Personal Loans. 2. Enter PAN, employer details, and fetch bank statements via Account Aggregator. 3. Complete video KYC and e-sign digital loan agreement.

Pathway C

Branch Walk-In Application

1. Visit nearest Axis Bank branch with payslips and bank statement. 2. Submit application and complete document verification.

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (Axis Bank Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on Axis Bank 24x7 Personal Loan (Axis at Work)

What is Axis at Work?

Axis at Work is Axis Bank's corporate salary package offering preferred loan interest rates and zero fee waivers for employees.

Can I foreclose the loan within 6 months?

No. Axis Bank enforces a strict 12-month lock-in period before foreclosure is allowed.

What is the minimum income needed?

A minimum net monthly salary of ₹25,000.