Axis Bank Gold Loan Interest Rate 2026: Processing Fee, Documents Required, Eligibility, How to Apply

A gold loan is very helpful when you are in need of immediate funds. With Axis Bank, you can quickly apply for a gold loan at competitive interest rates. 

Axis Bank Gold Loan Highlights

Axis Bank Gold Loan Interest Rate 2026

The Axis Bank Gold loan interest rate for 2026 is as follows:

• Floating Rate: 9.75% – 17.00% p.a.
• Fixed Rate: 17.00% p.a. (1‑year MCLR of 8.75% + 8.25% spread)

Axis Bank Gold Loan Rate per Gram

The gold loan amount per gram offered by the Axis Bank fluctuates from day to day based on gold rate fluctuations on a daily basis, depending on the purity of the gold. The gold loan per gram usually ranges between ₹1,755 to ₹2,145. 

Axis Bank Agriculture Gold Loan Interest Rate

Axis Bank offers gold loans for farmers and individuals engaged in agriculture at an interest rate ranging from 9.75% - 17% over a tenure of 6 - 36 months. 

Axis Bank Gold Loan Eligibility Criteria

You need to fulfil the following criteria to be eligible for a gold loan from Axis Bank:

• You must be an Indian citizen.
• You should be between the ages of 18 and 75.
• You must own gold ornaments, jewellery or coins that must have a gold purity of at least 18 carats.

Axis Bank Gold Loan Procedure

Applying for a gold loan from Axis Bank is a straightforward process. You can apply via both online and offline modes. Here is a step-by-step process for both modes.

Online Mode

Step 1: Visit the official website of Axis Bank and navigate to the Axis Bank gold Loan page.

Step 2: Click on the ‘Apply Now’ option.

Step 3: You will get an application form for the loan. Enter your name and mobile number. Select the city, state and the nearest bank branch to your address.

Step 4: Click on the ‘Submit’ option. You will get a reference ID number after that. Note that somewhere for further use.

Step 5: After completing these steps, a bank official will get in touch with you to process the loan application further and collect the required documents.

Step 6: Once approved, the loan amount will be disbursed to your account.

Offline Mode

Step 1: Visit your nearest Axis Bank branch.

Step 2: Carry your gold ornaments to the branch for evaluation along with the required documents.

Step 3: Complete the necessary application form with accurate details as instructed by the bank officials.

Step 4: Submit the required documents for verification.

Step 5: Once approved, the loan amount will be disbursed to your account.

Documents Required for Axis Bank Gold Loan

The following documents are required to apply for a gold loan from Axis Bank:

• KYC documents (PAN card, Aadhaar card, Voter ID, driver's licence, or passport).
• Proof of address (Aadhaar card, utility bills, ration card or rent agreement).
• Passport-size photographs.
• Gold ornaments having a minimum purity of 18 carats are to be pledged for the loan.
• Gold purchase slip.

Axis Bank Gold Loan Processing Fee

Axis Bank levies a nominal processing fee of 0.50% on the gold loan value. The processing fee, charged as a percentage of the loan amount, covers the administrative costs involved in processing the loan application. 

Axis Bank Gold Loan Appraiser Charges

Axis Bank appoints professional appraisers to assess the purity and weight of the gold ornaments being pledged for the loan. These appraisers charge a nominal fee for their services. The appraiser charges vary depending on the loan amount and other factors. 

Axis Bank Gold Loan Maximum Limit

The maximum loan amount that a borrower can avail of as a gold loan from Axis Bank is ₹40,00,000.

Axis Bank Gold Loan Interest Rate Calculator

You can use the online gold loan EMI calculator to calculate the EMI payable on your loan. You can conveniently pay your gold loan interest through the Axis Bank net banking portal or mobile app using various online payment methods.

How to Close Gold Loan in Axis Bank?

To close your Axis Bank gold loan, follow these steps:

Step 1: Visit the Axis Bank branch where you took the loan.

Step 2: Carry your loan account details and gold loan agreement.

Step 3: Request a gold loan closure form.

Step 4: Complete the form with the necessary details.

Step 5: Pay the outstanding loan amount, including any additional charges, if applicable.

Step 6: Collect your gold ornaments and the closure acknowledgement.

Axis Bank vs Other Banks' Gold Loan Interest Rates

Axis Bank Gold Loan Customer Care/ Contact Number

For any queries or assistance regarding Axis Bank gold loans, you can contact the Axis Bank customer care team at 1860 419 5555 and 1860 500 5555. Customer support is available from 8 am to 8 pm every day except on Sundays and public holidays. You can also contact them via their toll-free number - 1800 103 5577. The dedicated customer care executives will provide you with prompt and helpful assistance.

Axis Bank gold loan interest rates are competitive with hassle-free processing. With flexible loan options, easy eligibility criteria, and a simple application process, Axis Bank ensures that you have the financial flexibility you need in times of need. Apply for a gold loan from Axis Bank today and unlock the true potential of your gold assets.

Other Banks Gold Loan Interest Rates:
1. ICICI Bank Gold Loan Interest Rate
2. HDFC Gold Loan Interest Rate 
3. Bank of Baroda (BOB) Gold Loan Interest Rate
4. Canara Bank Gold Loan Interest Rate
5. SBI Gold Loan Interest Rate