Axis Bank Personal Loan Kolkata | Interest Rates | Information
Personal loans from Axis bank in Kolkata with lowest interest rates & higher eligibility. Get instant quotes on Rates, Eligibility, Documents & processing fees from axis bank online.
Axis Bank Personal Loan in Kolkata – Key Features
- Loans available for salaried individuals
- Special loans for Doctors, Chartered Accountants, Engineers, Architects and CS
- Loans are available from Rs 1 lac to Rs 20 lacs
- Repayment tenures from 12 to 60 months
- Best in Class personal loan interest rates India – Click Here for Info
Compare Personal Loan Rates – Eligibility – Process of Top 10 Banks. Check CIBIL score absolutely FREE.
Axis Bank Personal Loan Details
| Loan amount | 50000 to 15 lakh |
| Repayment | 1 year to 5 Years |
| Minimum Net Monthly Income | Rs.15000 |
| Processing Charges | 1.50% to 2.00% + Service Tax |
| Interest Rates | 15.50% – 24.00% |
| Prepayment / Foreclosure charges | Nil |
Axis Bank Personal Loan Eligibility
Salaried: Salaried Doctors, CAs, employees of select MNCs, Public and Private limited companies, Government sector employees including Public Sector Undertakings and Central and Local bodies:
- Minimum age of applicant: 21 years
- Maximum age of applicant at loan maturity: 58 years
- Minimum Net Monthly Income: Rs 15,000
- Maximum loan available: Rs 15 lacs
Self-employed: Self-employed professionals include self-employed Doctors (MBBS and higher degree) having majority of their income from practice, Architects, Chartered Accountants & Company Secretary.
- Minimum age of applicant: 24 years to 65 years at the time of loan maturity
- Minimum Annual Net Profit: Rs 2 lac per annum
- Maximum loan available: Rs 20 lacs for Self Employed doctors
- Special scheme for Self Employed doctors
Personal Loan By Top Banks
Axis bank branches list in Kolkata for apply Personal loan
- 69, Ganesh Chandra Ave, Chandni Chawk, Bowbazar, Kolkata, West Bengal 700012
- 20, Gariahat Road, Golpark, Babu Bagan, Selimpur, Gariahat, Kolkata, West Bengal 700019
- 207, Netaji Subhash Chandra Bose Road, Regent Grove, Bansdroni, Kolkata, West Bengal 700040
- 58, Paddapukur Rd, Paddapukur, Bhowanipore, Kolkata, West Bengal 700020
- Ground And First Floor, 3/1/2, Armenian Street, Brabourne Road, Barabazar, Kolkata, West Bengal 700001
- Ground Floor, 150 Lenin Sarani, In Front Of Kolkata Girl, Kolkata, West Bengal 700013
- 64A, HEMANTA BASU SARANINEAR STEPHEN HOUSE, BBD BAGH, Kolkata, West Bengal 700001
- 59/A, Sealdah, Baithakkhana, Kolkata, West Bengal 700009
Documents Required for Loans Kolkata:
|
Documents |
Salaried Individuals |
| Identity proof | Pan Card/Passport/Election Card/Photo Identity issued by Government, Defence Services, Public Sector undertaking/Driving Licence/Photo Credit Card/Employees ID Card, Letter/card issued by UIDAI containing the details of name, photograph, address and Aadhaar number. |
| Income proof | Latest salary slip showing all deductions or Form 16 along with current dated salary certificate or ITR (last 2 years). |
| Residence proof | Bank Account Statement/ Latest Electricity Bill/ Latest Telephone Bill/ Latest Credit Card Bill/ Employers letter certifying current mailing address/Passport(Valid)- provided the passport address is present address mentioned in application form / Existing Registered House Lease/ Government I-card with photo and address/ Ration Card/ Latest Property Tax / Water Tax bill. |
| Signature Verification | Valid Passport /Pan Card/ Processing Fee Cheque/ Banker’s Verification Letter. |
| Proof of telephone | Latest bill of landline or mobile or WLL stating name of borrower or address of borrower. |
| Guarantor | Optional |
- Qualification or registration proof required for doctors, architects, CA, CS, ICWA, MBA consultant, engineers
- Documentary proofs required may vary from customer to customer
Axis Bank Interest Rates and Other Charges on Loans in Kolkata:-
|
Interest Rates & Charges |
|
| Rate of Interest | 15.00% to 24.00% |
| Loan Processing Charges | 1.50% to 2.00% + Service Tax as applicable |
| Cheque Bounce Charges | Rs. 500 per cheque bounce + Service Tax as applicable |
| Cheque/Instrument Swap charges | Rs.500 per instance + Service Tax as applicable |
| Foreclosure Charges | Nil |
| Default Interest Rate | @24.00% per annum i.e 2% per month on the overdue installment |
| Duplicate Statement Issuance Charges | Rs 250 per instance + Service Tax as applicable |
| Duplicate Amortization Schedule Issuance Charges | Rs 250 per instance + Service Tax as applicable |
| Issuance Charges for Photocopy of Loan Agreement/Documents | Rs 250 per instance + Service Tax as applicable |
*(Subject to change as per Bank’s discretion from time to time)
