Axis Bank Personal Loan EMI Calculator — FY 2026-27
Calculate monthly EMI for an Axis Bank Personal Loan at current Axis rates. Axis offers Insta Personal Loan — pre-approved digital disbursal. Rate pre-fill tracks Axis card rate as of 16 April 2026.
Starting rate: 10.99% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹16,367
- Principal
- ₹5.00 L
- Total Interest
- ₹89,212
- Total Payment
- ₹5.89 L
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹1,96,404 | ₹1,48,801 | ₹47,603 | ₹3,51,199 |
| Year 2 | ₹1,96,404 | ₹1,66,004 | ₹30,400 | ₹1,85,195 |
| Year 3 | ₹1,96,404 | ₹1,85,195 | ₹11,209 | ₹-0 |
About this Axis EMI Calculator
This Axis EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for a Axis Bank personal loan at the current rate card (starting 10.99% p.a. for eligible borrowers). It uses the same reducing-balance formula that Axis Bank’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
Axis Bank offers EMI calculator variants across loan products — pick the one that matches your use case:
- Axis Home Loan EMI — starting 8.75% p.a., up to 30-year tenure
For the generic EMI math that underlies every bank’s calculator, see the general EMI Calculator. For a full lifetime-cost model, use the Home Loan Total Cost Calculator.
Axis Bank Personal Loan EMI Calculator — FAQ
What is the current Axis Bank personal loan interest rate?
Axis personal loan rates start from 10.99% p.a. for pre-approved profiles. Walk-in rates range 12-19% depending on CIBIL, income, profile, and existing relationship (FY 2026-27 — verify on axisbank.com).
What is Axis Insta Personal Loan?
A pre-approved digital personal loan for existing Axis customers — up to ₹15 L disbursed in minutes with no branch visit. Available in Axis Mobile app / Internet Banking if you're pre-qualified.
What documentation does Axis require for a personal loan?
For salaried: 2 months payslips, 3 months bank statements, PAN, Aadhaar, company ID. For self-employed: last 2 years ITR + P&L + bank statements + business proof. Instant loans waive most physical documents.
What is the tenure range for Axis personal loans?
12 to 60 months (5 years). Longer tenure lowers EMI but significantly increases total interest — use the amortization view to compare 3-year and 5-year scenarios.
Other bank EMI calculators
SBI Home Loan EMI
Starting 8.5% p.a. · ₹50L default
HDFC Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
ICICI Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
Axis Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
SBI Personal Loan EMI
Starting 11.5% p.a. · ₹5L default
HDFC Bank Personal Loan EMI
Starting 10.85% p.a. · ₹5L default
SBI Car Loan EMI
Starting 9.2% p.a. · ₹8L default
Kotak Mahindra Bank Home Loan EMI
Starting 8.65% p.a. · ₹50L default