Axis Bank Personal Loan Interest rates in Aurangabad

Please Find the Detailed Axis Bank Personal Loan Interest Rates

	Up To 30,000	30,000 To 50,000	50,000 To 75000	75000 Above
CAT A	15.75%	15.75%	15.75%	15.75%
CAT B	15.75%	15.75%	15.75%	15.75%
CAT C	15.75%	15.75%	15.75%	15.75%
Others	24.00%	24.00%	24.00%	24.00%
Super CAT A	15.75%	15.75%	15.75%	15.75%

Features of Axis Bank Personal Loan Aurangabad

Type	Features
Processing Fee	1.50% to 2.00% + GST as applicable
Pre Closure Charges	Nil
Part Payment Charges	Nil
Min Tenure	1 Years
Max Tenure	5 Years
Min Age	21 Years
Max Age	60 Years
Min Loan Amount	Rs.50,000/-
Max Loan Amount	Rs.15,00,000/-

Axis Bank Personal Loan Aurangabad Charges

Type	Charges
E M I Bounce Charges	Rs. 500 per Bounce+S.T
Duplicate Statement Charges	Rs 250 per Instance+G.S.T as applicable
Cheque Swapping Charges	Rs.500 per instance + GST as applicable
Issue Amortization Schedule Duplicate	Rs 250 per instance + GST as applicable
Photocopy Documents	Rs 250 per instance + GST as applicable
Default Interest Rate	@24.00% per annum i.e 2% per month on the overdue installment
C I B I L Report Issuance Charges	Rs. 50/- per instance per set+ GST as applicable

Documentation For Personal Loan

For Salaried Persons

Filled Application form
Identity Proof (PAN CARD)
Address Proof
Latest 3 months Payslips
Job Continuity Proof
2 Passport Size colour Photographs
Co-Applicant identity proof, Address Proof
Co-Applicant relationship Proof and Photograph
6 months Bank Statements
3 Post Dated Cheques/ECS Mandate
Property Related documents

For Self Employed/Professionals

Filled Application form
Identity Proof
Address Proof
Last 2 years Income Tax Returns
Professional/Self employed existence proof for more than 3 years
2 Passport Size colour Photographs
Co-Applicant identity proof, Address Proof
Co-Applicant relationship Proof and Photograph
6 months Bank Statements
3 Post Dated Cheques/ECS Mandate
Property Related documents

Identity Proof For Personal Loan

Passport
Driving License
PAN card
Photo credit card (with embossed Signature and last two months statement)
Banker's sign verification

Age Proof For Personal Loan

PAN Card
Passport
License
School leaving certificate
Voter card
Birth Certificate
LIC policy (only for age Proof)

Income Proof For Personal Loan

Latest salary slip
Current dated salary Certificate with latest form 16.
Latest year IT Returns with Tax Audit reports(For Self Employed applicants)

Address Proof For Personal Loan

Latest salary slip
Current dated salary Certificate with latest form 16.
Latest year IT Returns with Tax Audit reports(For Self Employed applicants)

Job Continuity Proof For Personal Loan

Form 16
Relieving letter
Appointment Letter (for last two months)
Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)

Banking History For Personal Loan

Bank statements of latest 2 months
3 months bank passbook

Axis Bank Personal Loan FAQ's

What is the best way to apply for an Axis Bank Personal Loan?

You can start the process of applying for a Personal Loan in any of the following ways: • By applying Online with ApnaLoanBazaar, Click Here to Apply • In person at any Axis Bank Loan Center. • By calling Axis Bank Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.

What is the turn around time (TAT) for decisioning a Personal Loan application?

Axis Bank will convey its decision within 5 working days from the date of receipt of the application provided the application is complete in all respects. The computation of 5 days shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank.

What is the minimum and maximum amount of Personal Loan that I can get?

"At Axis Bank, you can get a Personal Loan from Rs 50,000/- to Rs 15,00,000/-. Some of the the factors we consider when deciding a loan amount are: • Your requirement and eligibility • Your income • Your repayment capacity"

What is the tenure for which I can avail a Personal loan?

Axis Bank offers you a flexible tenure ranging from 12 to 60 months. For more features of Axis Bank Personal Loans, please click here.

Do I need to pay a fee to apply for an Axis Bank Personal Loan?

Yes, banks charge a non-refundable processing fee for every Personal Loan application. The processing charge to avail of an Axis Bank Personal Loan ranges between 1.5% to 2% of the loan amount plus service tax as applicable.

How do I keep track of my Axis Bank Personal Loan? For example, how do I get my statements, and repayment schedule?

"You may place request for Statement of Acccount or Repayment Schedule or Interest Certificate in either of the following ways: • By calling Axis Bank Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577. • By using your registered email id to write to Axis Bank at: loans@axisbank.com."

What are my different options for making my EMI payments? Is there a preferred one?

"You may repay your Personal Loan in any of the following three ways: • Standing Instruction (SI): This mode can be used if you have an existing savings, salary, or current account with Axis Bank. You may wish to open a savings account with Axis Bank to use this option. Your EMI amount will be debited automatically at the end of the monthly cycle from the Axis Bank account you specify. • Electronic Clearing Service (ECS): This mode can be used if you have a non-Axis Bank account and would like your EMIs to be debited automatically at the end of the monthly cycle from this account. • Post-Dated Cheques (PDCs) : You can submit post-dated EMI cheques from a non-Axis Bank account at your nearest Axis Bank Loan Center. A fresh set of PDCs will have to be submitted in a timely manner. Please note Post Dated Cheques will be collected non-ECS locations only. Axis Bank recommend that you opt for either the SI or ECS mode of payment as they are both faster and less prone to error than the use of PDCs."

Can I make part-prepayment towards my Axis Bank Personal Loan? Will any charge be applicable?

"Yes, you can make a part-prepayment towards your Personal Loan at your nearest Axis Bank Loan Center. *Currently, Axis Bank levies no charge for part prepayment."

How do I update my mobile number and the email address registered under my Personal Loan account?

"You may update your mobile number and email address in either of the following ways: • By calling any of Axis Bank toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577. • By using your registered email id to write to Axis Bank at: loans@axisbank.com "

How do I foreclose my Personal Loan? Will there be any charge for the foreclosure?

"Before we process a foreclosure, all outstanding dues must be cleared. So we request you to first check for and clear any remaining amount that may be payable towards your Personal Loan by requesting a foreclosure statement from your nearest Axis Bank Loan Center. Once all outstanding dues have been cleared, please submit a foreclosure request at the Loan Center, and we will begin processing your request. *Currently, Axis Bank levies no charge for pre-closure of a Personal Loan account.Before we process a foreclosure, all outstanding dues must be cleared. So we request you to first check for and clear any remaining amount that may be payable towards your Personal Loan by requesting a foreclosure statement from your nearest Axis Bank Loan Center. Once all outstanding dues have been cleared, please submit a foreclosure request at the Loan Center, and we will begin processing your request. "

About Axis Bank

Axis Bank Limited provides a suite of corporate and retail banking products. The Bank operates through four segments: Treasury, Retail Banking, Corporate/Wholesale Banking and Other Banking Business. Its Treasury operations include investments in sovereign and corporate debt, equity and mutual funds, trading operations, derivative trading and foreign exchange operations on the proprietary account and for customers.

Its Retail Banking constitutes lending to individuals/small businesses and activities include liability products, card services, Internet banking, mobile banking and financial advisory services among others. Its Corporate/Wholesale Banking includes corporate relationships not included under Retail Banking, corporate advisory services, placements and syndication, project appraisals, capital market related services and cash management services. Its Other Banking Business includes para banking activities, such as third-party product distribution and other banking transactions.

Axis Bank Highlights

'Best Loyalty Program of the year', 9th Loyalty Awards 2016

Best Security among Private Sector Banks in India by DSCI, 2015

'Best Audit Committee' by Asian Centre for Corporate Governance & Sustainability, 2015

Innovation in Social Pay-Aegis Graham Bell Awards 2015

Best Domestic Bank in India- Asiamoney Best Banks 2015

No. 1 Promising Banking Brand of 2015, ET Best Brands 2015

Personal Loan Can Be Used For Many Purposes Like Below

Higher Education

Marriage

Vacations

Festivals

Medical Emergency

Home Renovation

Consumer Goods

School Fees

Why to Avail Personal Loans?

Expert Advice

Best Practices for Personal Loan

Things not to do for Personal Loan

Factors that affect interest rates on Personal Loan

Banks charge a different rate of interest depending on a whole host of factors. The interest rate can broadly vary between 14 - 24%. We take you through three such individual details that can affect the rate of interest charged by the bank.

2) Nature of Employment:-:-
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.

3) Bank-Customer relationship:-:-
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate. So next time you go around shopping for a personal loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on personal loan. So stay tuned!

Personal Loan Advantages and Disadvantages

Personal Loan Advantages:

Personal Loans Disadvantages:

10 Things to Keep in Mind While Taking a Personal Loan

Personal Loans Precautions

1. Clear Identification of purpose and planned Budget:

One should have a clear identification of purpose of availing personal loan. Never opt for a personal loan only just because you can. Going for personal loan is a wise decision only in case of emergency and where the purpose is unavoidable. Apart from the purpose one has to also plan and budget the total requirement well in advance before applying for a personal loan.
Borrowing more than what is required leads to unnecessary debt. In certain instances borrowing far less than required amount may result in not serving the purpose. Therefore one has to make complete budget of the purpose and plan his / her borrowings accordingly. It is always to be noted that money one's spent is lost forever and unnecessary debt can lead to financial stress.

2. Understand the need Vs personal Loan:

Before opting for a personal loan one has make cost – benefit analysis of various kind of other loans which customer can get in the market. In case of emergency and unavoidable situations you can go for personal loan but where the purpose is to improve the life – like buying a fuel efficient car customer has to analyze the cost and benefits involved in the long run. In this scenario it is to be understood that in long run the benefits from purchase of new fuel efficient car should be greater than the interest charges and other costs involved in availing personal loan.

3. Check for Better rate:

Before availing a personal loan from any particular Bank/ NBFC customer has to compare interest payable and other charges to know the best annual percentage rates available in the market. Though the customer has a pre approved personal loan at a concessional rate with a particular Bank, he/ she might get the loan at a comparatively still lower rates with others. Therefore it is always better to check with 3-4 Banks before making the mindset to proceed with any one in particular. ApnaLoanBazaar will always provide the industry best rates, which are available in the Indian market. Check for Personal Loan Interest rates with ApnaLoanbazaar

Also the repayment tenure is other point to be noted before taking a loan. Eg: Some Bank's may offer maximum repayment tenor of 36 months whereas some others may offer maximum up to 60 months. Customer has to decide the repayments based on his income in consideration of his / her other obligations.

4. Credit scoring & Eligibility Criteria:

Personal loans best feature is collateral free and quick loan process, Hence Bank/NBFC will carefully analysis of your credit history. Customers with good credit history score will have high bargaining power. Customers with moderate / Low credit history may end up taking loans at higher rate of interest and Banks will have advantage of it. Customers have to ensure that they do not have any overdue while going for a personal loan. It is advisable to clear the credit card outstanding and other loan overdue before going for a personal loan as it improves credit worthiness. It is to be noted that not only income of the customer but Leverage is considered for arriving the limits. Generally Bank/NBFC prefer the credit score is above 730 for funding the personal Loan.

ApnaLoanBazaar will help you to know your CIBIL(Credit) Score: Know your Credit Score here

5. Plan the repayment from the regular:

Customer has to be aware of repayment tenor, monthly repayment date, mode of payment and installment amount. Repayment tenor to be planned based on the income and obligations. Over burden of EMI may result in delay and sometimes even default of the loan amount. Customer shall not forget the repayment date and maintain sufficient balances in the account for meeting the EMIs. Payment of EMIs by way of ECS through account is preferable to avoid unintentional delays. Even online payment from account is a suggestible mode of payment. In case of salaried employees it is better to opt the monthly repayment date to be within first week of the month. In case of entrepreneurs/ Businessmen the EMIs are to be planned from their regular income than depending on some other futuristic/speculative sources.

6. Terms & Conditions:

All the terms and conditions to be read carefully, before sign the loan agreement. Terms in smaller font to be observe carefully. Payment terms to be noted and have to maintain sufficient balance in the account for meeting the EMIs. Check the correctness of the updated personal details. Mobile alerts, Email alerts will remind the due date of payment and confirm the receipt of amount. In his/ her busy schedule customer may forget the due date whereas these alerts will remind them and help in making the payments on time.

Other Important Points to be noted:

About Aurangabad

Aurangabad District, also called Sambhaji Nagar, is one of the 36 districts of Maharashtra state in western India. The history of Aurangabad can be traced back to 1610, when the former Abyssinian slave and then prime minister of the Muslim kingdom of Ahmednagar, Malik Ambar establishment a city on the site of an old village called Khirki. His son Fateh Khan named the city he ruled over, Fatehpur in 1626.

Modern Aurangabad retains an Islamic ambience and still retains an old world charm. Veiled women (in burkhas) move about in the Chowk area, the call of the muezzin can be heard over the din and bustle of traffic, and come Friday, large crowds veer towards the mosques for ritual prayers. But the city has donned a more contemporary face as a major industrial centre for pharmaceuticals, automobiles, textiles and electronics and as the gateway to the cave temples of Ajanta & Ellora.

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Places To Be Visited In Aurangabad

Khuldabad

The place is a holy shrine for Muslims. It is a wonderful place surrounded by mountains and it offers scenic view. The city walls constructed by Aurangazeb were ruined and you could see ruins of ancient buildings. The Tombs of Aurangazeb, Khan Jahan’s Lal Bagh and various other Tombs are found here.

Bani Begam Bagh

The beautiful garden was created by the grandson of Aurangazeb in memory of Bani Begum, his wife. This is a perfect place if you want to relax on your tour and keep your spirits soaring. The garden reflects the style of Mughal architecture.

Ghrishneshwar Temple

Ghrishneshwar Temple belongs to 18th century. It is just half a kilometer from Ellora Caves. The marvelous architecture is awe-inspiring though you cannot hope to see the complete ancient architecture here owing to the damage caused by Aurangazeb. A peaceful place and it is frequented by tourists, as it is one of the twelve Siva temples.

Ajanta Caves

Ajanta Caves top the list of favorites when one visits Aurangabad. Declared as World Heritage Site by UNESCO, Ajanta Caves have been visited by tourists from all parts of the world. The mural paintings in Ajanta Caves display unique style that cannot be seen in any part of the world. The paintings depict the events on the life of Buddha and there are illustrations on Buddhist deities. The stunning paintings reveal the skills and artistry of the artists and they effectively narrate the events without the need for words. A lot of researches were undertaken to learn about the mystery behind the life of paintings. The paintings have withstood the test of time and the colors are fresh and glowing.

Ellora Caves

Ellora Caves throw light on the tolerance of the people of ancient India who were ready to accommodate other beliefs and faiths. Ellora Caves are spaced over 2 kilometers and there are 34 caves representing three religions namely Buddhism, Hinduism and Jainism. The monuments date between 600 A.D. and 1000 A.D. All the 34 temples and monasteries were dug adjacent to each other in the walls of a cliff. The first 12 caves are Buddhist Caves and they are the oldest. The next 17 caves are the Hindu Caves. The last 5 caves are Jain Caves. The architectural expertise and the efforts taken by the artisans in constructing buildings out of rocks have no words to admire enough.

Devgiri Fort

Devgiri Fort is situated in the village of Daulat. The massive fort immediately attracts you and has you spellbound the moment you set your eyes on it. The fort was considered to be constructed by Billamraja who ruled Daulatabad during 1187 A.D. The most interesting fact about the fort is that it remained unconquerable throughout. The architectural wonder was built to provide the best defense to the rulers and it was very well achieved, as the fort was never won.

Total Number Of Branches In Aurangabad (507)

YES BANK (56 Branches)STATE BANK OF INDIA (53 Branches)STATE BANK OF HYDERABAD (46 Branches)BANK OF MAHARASHTRA (44 Branches)PUNJAB NATIONAL BANK (27 Branches)HDFC BANK (20 Branches)CENTRAL BANK OF INDIA (17 Branches)IDBI BANK (16 Branches)ICICI BANK LTD (14 Branches)STATE BANK OF INDIA (14 Branches)BANK OF BARODA (14 Branches)SARASWAT CO-OP BANK LTD (13 Branches)CANARA BANK (12 Branches)PUNJAB NATIONAL BANK (11 Branches)THE SHAMRAO VITHAL CO-OP BANK (8 Branches)UNION BANK OF INDIA (7 Branches)KOTAK MAHINDRA BANK LTD (6 Branches)DENA BANK (6 Branches)BANK OF INDIA (6 Branches)AXIS BANK (6 Branches)ALLAHABAD BANK (6 Branches)BANK OF BARODA (6 Branches)BANDHAN BANK LTD (5 Branches)ALLAHABAD BANK (4 Branches)INDIAN BANK (4 Branches)CENTRAL BANK OF INDIA (4 Branches)BANK OF INDIA (3 Branches)ORIENTAL BANK OF COMMERCE (3 Branches)VIJAYA BANK (3 Branches)SYNDICATE BANK (3 Branches)UCO BANK (3 Branches)ALLAHABAD BANK (3 Branches)TJSB SAHAKARI BANK LTD (2 Branches)PUNJAB & MAHARSHTRA CO-OP BANK (2 Branches)THE NASIK MER CO-OP BANK LTD (2 Branches)STATE BANK OF PATIALA (2 Branches)NKGSB CO-OP BANK LTD (2 Branches)MAHANAGAR CO-OP BANK (2 Branches)MAHARASHTRA STATE CO-OP BANK (2 Branches)JANATA SAHAKARI BANK LTD (2 Branches)INDIAN BANK (2 Branches)STATE BANK OF BIKANER & JAIPUR (2 Branches)CANARA BANK (2 Branches)IDBI BANK (2 Branches)UNITED BANK OF INDIA (2 Branches)VIJAYA BANK (2 Branches)ABHYUDAYA CO-OP BANK LTD (2 Branches)CORPORATION BANK (2 Branches)DCB BANK LTD (1 Branches)CATHOLIC SYRIAN BANK LTD (1 Branches)CITI BANK (1 Branches)CITY UNION BANK LTD (1 Branches)ANDHRA BANK (1 Branches)SYNDICATE BANK (1 Branches)UCO BANK (1 Branches)BANK OF MAHARASHTRA (1 Branches)HDFC BANK (1 Branches)ICICI BANK LTD (1 Branches)ANDHRA BANK (1 Branches)AXIS BANK (1 Branches)BANDHAN BANK LTD (1 Branches)INDIAN OVERSEAS BANK (1 Branches)INDUSIND BANK (1 Branches)ING VYSYA BANK (1 Branches)JAMMU & KASHMIR BANK LTD (1 Branches)DEUSTCHE BANK (1 Branches)FEDERAL BANK (1 Branches)KARNATAKA BANK LTD (1 Branches)KARUR VYSYA BANK (1 Branches)NAGAR CO OPERATIVE BANK (1 Branches)RBL BANK LTD (1 Branches)STATE BANK OF BIKANER & JAIPUR (1 Branches)PUNJAB & SIND BANK (1 Branches)BANK OF BARODA (1 Branches)CANARA BANK (1 Branches)ICICI BANK LTD (1 Branches)STATE BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)VASAI VIKAS SAHAKARI BANK LTD (1 Branches)

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Axis Bank Personal Loan in Aurangabad

Axis Bank Personal Loan Interest rates in Aurangabad

Features of Axis Bank Personal Loan Aurangabad

Axis Bank Personal Loan Aurangabad Charges

Documentation For Personal Loan

For Salaried Persons

For Self Employed/Professionals

Identity Proof For Personal Loan

Age Proof For Personal Loan

Income Proof For Personal Loan

Address Proof For Personal Loan

Job Continuity Proof For Personal Loan

Banking History For Personal Loan

Axis Bank Personal Loan FAQ's

What is the best way to apply for an Axis Bank Personal Loan?

What is the turn around time (TAT) for decisioning a Personal Loan application?

What is the minimum and maximum amount of Personal Loan that I can get?

What is the tenure for which I can avail a Personal loan?

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