Axis Bank Personal Loan Interest rates in Udaipur

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 Udaipur

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 Udaipur 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 Udaipur

Udaipur is a royal city that had been the capital of Mewar rulers for centuries. The romantic city of Udaipur has a legend behind its origin and it goes like this. Once, Maharana Udai Singh happened to meet a holy sage when he was on his hunting expedition in the Aravalli Hills. The Sage counseled the King to establish a kingdom in the fertile valley that would be well-protected by the elevated Aravalli Hills.

Subsequently, Maharana Udai Singh laid the foundation stone of Udaipur in 1557 A.D. Chittorgarh was the previous capital of the Rajput kingdom of Mewar. Maharana Udai Singh was a successor of the Sisodias, who claimed to be the descendants of the Sun God. The Sisodias are believed to be the oldest ruling family in the World. Amongst the warrior clans, Sisodias are recognized as the most powerful ones in Rajasthan.

Another reason for shifting the capital from Chittorgarh to Udaipur was constant attacks of enemies. Udaipur continued to be the capital of Mewar, till it became the princely state of British India in 1818. When India got independent in 1947, the Maharaja of Udaipur granted the place to the Government of India. At that time, Mewar was merged into the state of Rajasthan. In the present date, Udaipur enjoys a favorable position on the maps of Rajasthan. Udaipur is known for its picturesque surroundings and its royal past. Various ancient monuments, massive palaces, architectural temples and beautiful lakes fascinate people to visit the ancient land of the Royalty.

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Places To Be Visited In Udaipur

City Palace

City Palace was constructed in the year 1559 by Maharana Udai Mirza Singh. The palace is situated on the banks of Pichola Lake. The palace is a blend of European, Medieval and Chinese styles of architecture. City Palace houses 11 magnificent palaces and they were all constructed during various periods and by various rulers. The size of the palace is awe inspiring with the courtyards, terraces, pavilions, hanging gardens and a lot more. Everything about the palace is magnificent be it the architecture, the antiques inside and the exclusive paintings hanging on the walls.

Jag Mandir

A 17th century structure that stands gloriously amidst Lake Pichola on the Jagmandir Island, Jag Mandir is an excellent place to visit on Udaipur tour. Jagmandir is an impressive set of structures with the central building being called Jagmandir, which can be recognized by the marble-made elephants positioned outside. It is a three-storied structure and includes sections like Gul Mahal, an elegant façade, a Garden Courtyard and the Darikhana on its northern side, the Bara Patharon ka Mahal (palace of the 12 stones), the Zenana Mahal – a southern extension to the Gul Mahal and the Kunwar Pada ka Mahal.

Bagore Ki Haveli

Bagore Ki Haveli is situated near Pichola Lake. The 18th century construction was built by Amir Chand Badwa, Chief Minister at the Royal Court of Mewar. The Haveli became the residence of Maharana Shakti Singh of Bagore in the year 1878 and hence the name Bagore Ki Haveli. This was converted into museum retaining the royal touch to the building. The museum presents the culture of Mewar. The antique collections include the stuff used by Rajputs such as jewellery boxes, hand fans, copper vessels and so on. The massive building has over 100 rooms and looks splendid with its unique style of architecture.

Kumbhalgarh Fort

Kumbhalgarh Fort was constructed by Maharana Kumbha in the 15th century. One of the specialties of the fort is that it is the birthplace of the famous warrior and King of Mewar, Maharana Pratap. The near invincible fort is the most highest and strongest of forts in Rajasthan. The fort was a challenge to the greatest of kings. The fort stands formidably on 1180 m high ridge. The fort is protected and surrounded by a thick wall of approximately 15 kms long. This is the second longest wall in the world and the first is known the world over – The Great Wall of China.

Lake Pichhola

Another man made wonder in the city dominated by nature, Lake Pichola was created in 1362 AD. Rana Udai Singh II extended the lake in 16th century. The picturesque lake is surrounded by huge hills, magnificent palaces, temples and bathing ghats. The islands in Lake Pichola offer various tourist attractions and hence by cruising in Lake Pichola, you are sure to have a whale of a time. Sunset views are stunning. Boat cruise offers lovely views of the town, particularly in the evenings as you watch the sun go down on your eyes, you will find the city lit up. The palaces look stunning with the lights on and it is a great view from the lake.

Sajjan Garh (Monsoon Palace)

If you are partial to the beauty offered by nature more than man made wonders, you are sure to love Sajjan Garh. The palace is small but the views are stunning. The palace is not maintained well but the sunset view from here is awesome. The palace was constructed by Maha Rana Sajjan Singh in 1884. The aim of the king was to construct an observatory here to observe the arrival of monsoon as well as predict weather conditions. Owing to his untimely demise, the work was not completed. However, the views from here fascinate you beyond words. Nearly 1000 feet above the sea level, the views of Udaipur from here are breathtaking.

Total Number Of Branches In Udaipur (318)

STATE BANK OF BIKANER & JAIPUR (61 Branches)ICICI BANK LTD (39 Branches)YES BANK (25 Branches)STATE BANK OF INDIA (22 Branches)PUNJAB NATIONAL BANK (17 Branches)BANK OF BARODA (17 Branches)UNION BANK OF INDIA (14 Branches)SYNDICATE BANK (10 Branches)ALLAHABAD BANK (10 Branches)HDFC BANK (8 Branches)UCO BANK (8 Branches)VIJAYA BANK (7 Branches)IDBI BANK (7 Branches)BANK OF INDIA (6 Branches)CANARA BANK (6 Branches)CENTRAL BANK OF INDIA (5 Branches)INDUSIND BANK (5 Branches)KOTAK MAHINDRA BANK LTD (4 Branches)ORIENTAL BANK OF COMMERCE (4 Branches)PUNJAB & SIND BANK (3 Branches)DENA BANK (3 Branches)INDIAN BANK (3 Branches)ANDHRA BANK (3 Branches)AXIS BANK (3 Branches)BANK OF MAHARASHTRA (2 Branches)FEDERAL BANK (2 Branches)SOUTH INDIAN BANK (2 Branches)UNITED BANK OF INDIA (2 Branches)ALLAHABAD BANK (1 Branches)BHARATIYA MAHILA BANK LTD (1 Branches)UCO BANK (1 Branches)UNION BANK OF INDIA (1 Branches)UNITED BANK OF INDIA (1 Branches)THE ROYAL BANK OF SCOTLAND N V (1 Branches)STANDARD CHARTERED BANK (1 Branches)STATE BANK OF PATIALA (1 Branches)RBL BANK LTD (1 Branches)ING VYSYA BANK (1 Branches)KARNATAKA BANK LTD (1 Branches)INDIAN OVERSEAS BANK (1 Branches)BHARATIYA MAHILA BANK LTD (1 Branches)CORPORATION BANK (1 Branches)CATHOLIC SYRIAN BANK LTD (1 Branches)BANDHAN BANK LTD (1 Branches)PUNJAB NATIONAL BANK (1 Branches)SYNDICATE BANK (1 Branches)PUNJAB NATIONAL BANK (1 Branches)STATE BANK OF INDIA (1 Branches)

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Axis Bank Personal Loan in Udaipur

Axis Bank Personal Loan Interest rates in Udaipur

Features of Axis Bank Personal Loan Udaipur

Axis Bank Personal Loan Udaipur 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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