🇮🇳 India 🏪 Axis Bank Last updated2026-05-13
Axis Bank EMI Calculator 2026 rates.
⚡
Quick answer
Axis Bank home loan rate starts at 8.75% (typical 8.85%) as of 2026. A ₹50 lakh loan at 8.85% over 20 years = an EMI of approximately ₹44,505/month.
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LiveEMI Calculator
₹
₹25.00 L
%
Monthly EMI
₹21,696
/month
Total Interest
₹27.07 L
52% of total
Total Payable
₹52.07 L
over 20 years
Principal vs Interest Split
48% principal
52% interest
✨ Live · For home, personal, auto, education loans · Excludes processing fees
📊 Current rates
Axis Bank loan rates (May 2026)
🏠 Home Loan
8.75–9.4%
typical: 8.85% p.a.
💵 Personal Loan
11.25–20%
typical: 12% p.a.
🚗 Car Loan
9.25–14%
typical: 9.55% p.a.
💳 Processing Fee
1.0% of loan amount or ₹10,000 (whichever lower) on home loans
🔁 Prepayment
Zero on floating retail home loans. 4% on fixed/business loans.
🏪 About Axis Bank
Why choose Axis Bank?
Axis Bank is India's third-largest private lender with ~₹2.5 lakh crore home loan book. Known for competitive rates on premium-segment loans (Burgundy banking customers) and strong tier-2 city presence.
🎯 Unique angle
Best rates for Burgundy Private/Privée banking customers (HNI segment with ₹20L+ relationship value). Also strong on under-construction project financing with builder tie-ups.
Product highlights
- ✓ Home loan up to ₹5 crore with 30-year tenure
- ✓ Asha Home Loan: lower-income segment loans starting ₹1 lakh
- ✓ Burgundy Private rates for HNI customers
- ✓ Power Home Loan: rate reduces 10 bps for every 6 months on-time EMIs
- ✓ Quick Pay home loan with shorter approval cycle
❓ Axis Bank FAQ
Common questions.
What is the Axis Bank Asha Home Loan?
Asha Home Loan targets affordable-housing buyers — loan size from ₹1 lakh to ₹35 lakh for income groups earning ₹8,000-30,000/month. PMAY subsidy is automatically processed. Disbursal can happen even on under-construction properties.
Does Axis Bank reward on-time EMI payments?
Yes — via the "Power" home loan: every 6 months of on-time EMIs reduce your rate by 10 bps (up to 60 bps lifetime). Effectively a behavioral discount that compounds over the loan life.
How long does Axis Bank take to approve a home loan?
For salaried customers with clean documentation: 5-10 working days from application to sanction. Self-employed: 10-15 days. Burgundy customers get priority processing in 3-5 days.
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