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You have the option to apply for an Axis Bank personal loan online. You can enter all the required details and the bank will process your loan application. Once the loan is approved, you are required to e-sign the loan documents before the loan amount is disbursed.
You may choose not to avail the loan at this point of time. So the amount will not be disbursed and you will not be charged any processing fees or interest.
You are liable to pay EMIs and interest only when you avail the loan; i.e. You agree to the terms of the loan, sign the loan document, and the loan amount is disbursed to your bank account.
What Are The Eligibility Criteria To Apply For An Axis Bank Personal Loan?
Axis Bank personal loans are granted to people who meet the bank's eligibility requirements. The prerequisites for obtaining an Axis Bank personal loan are as follows -
- Axis Bank personal loans are exclusively available to salaried personnel. Individuals working as doctors, salaried employees of public and private limited firms, government personnel, including public sector undertakings and central and local bodies
- The applicant must be between the ages of 21 and 60. Axis Bank does not give personal loans to anyone under the age of 21 or above the age of 60.
- You might be a salaried employee in any profession, but you must have a monthly salary of at least Rs. 15,000 to qualify for an Axis Bank personal loan. Anyone earning less than this amount will be ineligible for an Axis Bank loan.