✓ No Limit on Loan Amounts ✓ Interest Rate Starting @0.74% p.m. ✓ Minimal Documentation Check Eligibility

Opt for an Axis Bank Gold Loan and get funding of up to ₹40 Lakhs at competitive interest rates. Use the loan amount to fulfil your professional or personal needs and regain ownership of your gold on timely repayment.


The Axis Bank Gold Loan tenure is flexible, and you can repay the borrowed amount in up to 36 months. Until then, your gold is stored safely in its vaults. To help address urgent needs quickly, the bank transfers the loan amount in an hour after approval. 

Interest Rates and Charges

Refer to this table to know the Axis Bank Gold Loan interest rate and other associated charges:

Interest Rate

17% p.a.

Penal Interest

8% p.a.

Processing and Renewal Fee

  • Up to ₹3 Lakhs- ₹300 per case

  • More than ₹2 Lakhs- 0.5% of the loan amount

Foreclosure Charges

  • 2% for 0-6 months

  • Nil for >6 months

Valuation Fee

  • Minimum: ₹500

  • Maximum: ₹1,500

*Disclaimer: The aforementioned charges are subject to change at the lender’s discretion.

Features and Benefits

Here the reasons why a gold loan from Axis Bank can be an ideal solution:

High-value Funding

The loan amount that you may borrow starts from ₹25,001 and can go up to ₹40 Lakhs

Quick Disbursal of Funds

You can get the loan amount credited to your bank account within 60 minutes of approval

Multi-Purpose Usage

As there are no restrictions on end use, you can finance numerous purposes with the loan amount 

Reward Points

Upon loan disbursal, you get up to 150 Axis EDGE reward points that you can redeem

Minimal Documentation

Submit basic KYC documents to get the required funds instantly

Flexible Repayment Tenure

You can repay the borrowed amount within a convenient timeline of 6 – 36 months 

Eligibility Criteria and Documents Required

Meet the following eligibility parameters to get quick approval:

  • You must be an Indian national

  • You must own gold assets with purity of at least 18 carats

  • The minimum age requirement is at least 18 years

  • The maximum age limit to get the gold loan is 75 years


In addition to the eligibility criteria, you need the fulfil the bank’s requirements for documents needed for verification. Here is the list of the paperwork to submit:

Application Form:

  • Duly filled and signed application form

KYC Documents:

  • PAN card

  • Aadhaar card

  • Passport

  • Driver’s licence

  • Voter ID

How to Apply

Follow these steps to apply for a gold loan online:

  1. Visit the bank’s website and navigate to the Axis Bank Gold Loan page

  2. Click on the ‘Apply Now’ option

  3. Fill in the application form by providing the required details, like your name, contact number, email ID and address

  4. Choose your state, city, and the nearest branch

  5. Click on ‘Submit’ to initiate the process and note the reference ID for future correspondence


After you submit the application, a bank representative will contact you. You can also visit your nearest Axis Bank branch and apply for the gold loan offline.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User's own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL's partnership with the owner of the Intellectual Property of such products.

Frequently Asked Questions

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

The minimum gold loan amount that you can get from Axis Bank is ₹25,001, and the maximum amount can go up to ₹40 Lakhs.

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

The repayment tenure for the Axis Bank Gold Loan ranges between 6 and 36 months. 

What is likely to happen if I have missed making loan payments or I am unable to make the loan payment?

If you fail to repay the Axis Bank Gold Loan within the specified tenure, the lender has the right to auction your gold asset to recover the amount. In certain cases, the lender can even take legal action against you.

Can I make partial payments on my loan amount and interest?

Yes, you can make partial payments for your gold loan from Axis Bank. This helps reduce the principal as well as the interest amount. Choose a convenient repayment method based on your income.

Is it possible to get a loan on gold coins from Axis Bank?

Yes, you can get an Axis Bank Gold Loan by pledging your gold coins.

Can I prepay or foreclose my gold loan from Axis Bank?

Yes, Axis Bank offers you the facility of foreclosing your gold loan by paying a minimal foreclosure fee of 2%. This is applicable if you plan to close your loan within 6 months of the application date.

What are the penal charges associated with an Axis Bank Gold Loan?

The penal charges for an Axis Bank Gold Loan are 8% per annum.

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