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About AXIS Bank Gold Loan :

Gold loan is a secured loan in which a customer pledges her/his gold as collateral with a gold loan provider and gets a loan amount. Axis bank provides loan against gold with same day loan disbursement. In return, the customer is required to pay the interest.

Many nationalized banks, private banks and other financial companies offer this loan at attractive interest rates. Many go for this loan for a short period to meet the requirements of their children's education, marriages and other financial problems in the family. And others think that instead of keeping the gold at home or locker, loan against gold is the best option. Have an urgent need for cash, now you can use gold to avail a gold loan starting from Rs.25001 to Rs.25 lakh.

Here, we talk about all the things above that are quite normal but there is a change in it, now everyone has to get a gold loan with ease..You all think that “how it is possible? To overcome this issue AXIS Bank came with an exciting opportunity i.e. AXIS Bank Gold Loan. AXIS Bank Gold loan provides an attractive interest rate with simple documentation.

Benefits of AXIS Bank Gold Loan :

  • Same day loan disbursement

  • Minimum loan amount starting from Rs.25,001

  • Easy Emi return option

  • Pledged gold will be stored in a secured tamper-proof vaulting

  • No part payment charges applicable throughout loan tenure

  • Less and minimal documentation 

  • Attractive interest rate is from 14.50% to 17% per annum

Interest Rate & Fees and charges of AXIS Bank Gold Loan :



Loan Amount

Rs.25,001  to Rs.25 lakh

Loan Tenure

3 months-3 years

Interest Rate

14.50% to 17%

Processing fee

1% plus GST as applicable

Part payment charges 


Valuation fees

Rs.500 plus applicable tax

Penal interest 

2% per month on overdue amount 

Foreclosure charges

Loan closed before 3 month : 2% of the sanctioned loan amount plus applicable tax

Loan closed to 3 months to 6 months : 1% of the sanctioned loan amount plus applicable tax

Loan closed to 6 months to 11 months : 0.50% of the sanctioned loan amount plus applicable tax

Loan closed after 11 months : Nil foreclosure charges

Eligibility criteria for Axis bank gold loan :

  • Anyone over the age of 18 to 75 and owns gold ornaments can avail gold loan facility from Axis bank

  • Customer can pledge their gold necklace, chain, ring, solid bangles, mangalsutra, and Gold coin/biscuits to avail gold loan from Axis bank

  • Gold ornaments should be 18 carat and above to be eligible for axis bank gold loan

Documents required for Axis bank gold loan :

1. Signed application form 

2. 2 passport size photographs

3. ID proof : Aadhar card, PAN card, Voter id, passport

4. Address proof : Aadhar card, Voter id, Passport, Utility bills

5. Post disbursement documents (If any)

Check other bank Gold loan interest rates:


Interest Rate

AXIS Bank Gold Loan

14.50% to 17%

HDFC Bank Gold loan

11% to 16%

Kotak Mahindra Bank Gold Loan

10.50% to 17%

Yes Bank Gold Loan

11.25% to 16.25%

ICICI Bank Gold Loan

10.00% to 19.76%

RBL Bank Gold Loan

Starting at 10.75%

IndusInd Bank Gold Loan

10.50% to 16.00%

Canara Bank Gold Loan

Starting at 13%

Punjab National Bank Gold Loan

10.05% to 11.05%

Other products of AXIS Bank :

1. AXIS Bank Education Loan

2. AXIS Bank Holiday Loan

3. AXIS Bank Home Loan

4. AXIS Bank Personal Loan 

How to apply for Axis bank Gold Loan :

1. Offline Method : By visiting the nearest bank branch.

2. Online Method :

  • First of all visit to Axis bank web portal

  • Now  click on “personal section”

  • In “explore products” got to retails

  • Now click on “Loans”

  • Now go to “Gold Loan” 

  • Fill the application form and submit it

How to contact with AXIS Bank Gold Loan :

1. By customer care contact number : 18604195555 / 18605005555

2. By customer care email id : [email protected]

Financials products offered by Bank :














AXIS Bank Gold Loan Frequently Asked Questions :

1. What is the maximum and minimum amount that I can get under the Axis Bank Gold Loan?

It depends on the customer requirement but basically the amount offered by the bank min. amount is Rs. 25,001 and max. amount is Rs. 20 lakh.

2. What is the duration for which I can get the Axis Bank Gold Loan?

Flexible gold loan tenure is ranging between 3 months to 36 months.

3. Do I need to have a co-applicant if I wish to apply for the Axis Bank gold loan?

No.need to have a co-applicant if you wish to apply for the Axis Bank gold loan.

4. How much processing fee payable for the Axis Bank Loan against Gold?

The processing fee payable for the Axis Bank Gold Loan is 1% plus applicable tax.

5. Is the gold loan Axis Bank available online? 

 Yes, you can apply online for Axis bank gold loan.

6. How much interest rate is provided by Axis Bank for gold loan?

The interest rate provided by Axis Bank for gold loan is 14.50% to 17% per annum.

Last Updated on : 11/Aug/2020

Know More About

Axis Bank Gold Loan

You're eligible for a Axis Bank Gold Loan if you:

Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on:

Earn more than minimum income required

Maximum allowed Gold Loans is Rs. 10K to Rs. 45 lakhs

EMIs of other loans loweryour eligibility

Boost your eligibility by:

Pay off your credit card bills

Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Axis Bank Gold Loan Interest Rates

Updated on 25 Nov 2017

Axis Bank Gold Loan Details
Interest Rate (Monthly reducing balance) 14.5% - 17%
Processing Fees 1% plus applicable tax
Loan Tenure 3 year to years
Pre-closure Charges Varies with bank
Guarantor Requirement Varies with bank

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