Axis Bank Gold Loan Interest Rate Today, 10 October 2026: Slabs, Per-Gram Cost & Schemes

Axis Bank gold loan interest rate 9.5% – 17% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹792 – ₹1,417 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹813 – ₹1,454 On ₹1,02,660 advance · gold price updated 2026-10-09

Everything here is indicative, published for comparison — BankCreds lends nothing; verify live rates, charges and eligibility with the lender before acting.

How much will an Axis Bank gold loan cost?

Axis Bank lends against gold from 9.5% to 17% depending on scheme and drawdown, over tenures of 3–36 months. Set your own numbers below — the structure toggle matters as much as the rate, because on the same principal an EMI and a bullet produce very different total interest.

A Jaipur gem exporter topping up an existing pledge after gold ran up 8% — ₹4 lakh of extra working capital drawn against the same ornaments, no new appraisal visit for the family.

Axis Bank gold loan EMI calculator

Repayment structure
Monthly EMI
₹17,887
Total interest
₹14,643
Total repayment
₹2,14,643

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at Axis Bank's mid-board 13.25%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,472/mo₹2,383/mo₹1,691/mo
₹1,00,000 ₹8,943/mo₹4,766/mo₹3,381/mo
₹2,00,000 ₹17,887/mo₹9,532/mo₹6,763/mo
₹5,00,000 ₹44,717/mo₹23,830/mo₹16,907/mo

Computed at 13.25%, the middle of Axis Bank's 9.5%–17% range. A bullet loan on ₹1,00,000 instead meters at ₹1,104 monthly, with the whole principal falling due at the end.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹17,887 to ₹6,763, but you carry the pledge three times as long and pay roughly ₹28,824 more in total interest. Axis Bank caps gold tenures at 3–36 months, and borrowers who plan to the cap usually end up rolling over. Work backwards from when you can repay in full instead — the shorter window is almost always the cheaper one.

How much gold loan can I get from Axis Bank?

Before comparing rates, size the pledge. Axis Bank lends against appraised metal weight under RBI's tiered ceiling, so the loan amount is set by your gold and its size, not by your income. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

Axis Bank gold loan amount calculator

Appraised value
₹2,73,756
LTV tier applied
85%
Eligible loan (max)
₹2,32,692

Indicative, on the 2026-10-09 reference of ₹14,943/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two Axis Bank-specific limits sit around that figure: it lends from ₹25,001 to ₹40 lakh, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

Expect the branch figure to land under any table: net metal weight after stones, appraised purity rather than the bill you were given, and an internal reference price that most lenders average over recent days rather than reading off the spot rate.

Where Axis Bank helps: 36-month tenures available — less renewal churn than 12-month structures. Where it does not: odd ₹25,001 minimum aside, small tickets aren’t the focus.

Compare it against what Axis Bank actually quotes. A gap of a few percent is normal appraisal caution; a large gap usually means stones or a purity call worth questioning.

See Axis Bank gold loan per gram →
Today's gold rate, city-wise →

Axis Bank gold loan schemes

The 9.5%–17% band is not one product priced loosely. It is 2 distinct schemes, and which one you are sold decides both your rate and your repayment obligation. Asking for the right scheme by name is the single most effective thing a borrower can do at a Axis Bank counter.

Axis Gold Loan

Term lending with EMI/bullet options and quick-turnaround appraisal at designated branches.

Top-up on existing pledge

When gold prices rise, existing borrowers can draw the incremental eligibility without fresh pledging.

Repayment structures offered

  • •EMI
  • •Bullet on shorter tenures
  • •Interest-serviced

Charges beyond interest

  • •Valuation fee
  • •Processing
  • •Renewal/rollover
  • •Stamp duty

Processing: 0.5–1% + valuation.

Where Axis Bank is genuinely strong rather than merely available: the price-rise top-up is a genuinely useful feature in a rising gold market. That is the reason to choose this counter over a cheaper one — and if it does not describe your situation, the NBFC tables on our hub will serve you better.

Is an Axis Bank gold loan cheaper than a personal loan?

Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.

Axis suits urban borrowers who want bank custody with feature flexibility — the top-up mechanism and 36-month tenures solve real annoyances of the 12-month pledge cycle. Pricing sits where negotiation matters: bring a PSU quote to anchor low or an NBFC approval to anchor fast, and let Axis position between them, which is precisely its market.

On ₹3 lakh, 24 months Axis Bank gold loan Unsecured personal loan
Indicative rate 9.5%–17% 10.5%–24%
EMI at the typical rate ₹14,298 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure 3–36 months Up to 5–6 years

The honest framing at Axis Bank: you are paying a modest premium over the cheapest gold counter to avoid a queue, and a large discount against an unsecured loan to accept collateral risk.

On the numbers above, the gold route costs roughly ₹391 a month less on ₹3 lakh over two years — about ₹9,384 in total.

The pledge loses on two counts: duration and consequence. 3–36 months is a short window for a large borrowing, and the security is an asset with a value to your family well beyond its weight in grams.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares Axis Bank against every other counter on one table.

Slab pricing at Axis Bank, decoded

Axis Bank prices the cushion, not the customer: the smaller the share of your gold's value you draw, the safer the loan, the lower the rung you're quoted.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%9.5%₹792
~60–70%13.25%₹1,104
Max (75% cap)17%₹1,417

*Indicative framing of Axis Bank's 9.5%–17% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

Run your ticket down the table: ₹2 lakh at the 13.25% middle rung costs ₹2,208 monthly, ₹10 lakh costs ₹11,040 — and shifting one rung down saves ₹3,120 a month on the bigger pledge. LTV appetite is the negotiation.

Drawn@9.5%/mo@13.25%/mo@17%/mo
₹2 lakh ₹1,584 ₹2,208 ₹2,834
₹5 lakh ₹3,960 ₹5,520 ₹7,085
₹10 lakh ₹7,920 ₹11,040 ₹14,170

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
Axis Bank9.5%17%₹792
Bajaj Finance 9.5% 26% ₹792
HDFC Bank 9.3% 17.9% ₹775
CSB Bank 9.7% 13% ₹808

The table's honest lesson: gold-loan pricing is a menu, not a market rate. Interrogate Axis Bank's scheme board with your LTV appetite stated, then compare like-for-like slabs.

Axis Bank full guide· Axis Bank per-gram· Rate today· All lenders

Axis Bank गोल्ड लोन — हिंदी में जानकारी

Axis Bank सोने पर कर्ज लगभग 9.5% से 17% सालाना की दर पर देता है, और अवधि 3–36 months तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

Axis Bank गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

Axis Bank गोल्ड लोन की ब्याज दर कितनी है?
Axis Bank की गोल्ड लोन दर 9.5% से शुरू होकर 17% तक जाती है। यह आपकी आय या नौकरी से नहीं, बल्कि गिरवी रखे सोने के मुकाबले ली गई रकम से तय होती है। इसलिए जरूरत से कम उठाना सीधे-सीधे सस्ती दर देता है — यही इस उत्पाद की सबसे कम इस्तेमाल होने वाली सौदेबाजी है।
Axis Bank से एक ग्राम सोने पर कितना लोन मिलता है?
संक्षेप में: 22 कैरेट की आज की कीमत लगभग ₹13,688 प्रति ग्राम, और उस पर कर्ज 85%, 80% या 75% — यह इस पर निर्भर करता है कि कुल लोन ₹2.5 लाख, ₹5 लाख से कम है या उससे ऊपर। बिना हॉलमार्क वाला पुराना गहना अक्सर एक कैरेट नीचे आँका जाता है, इसलिए शाखा का आँकड़ा थोड़ा कम रहेगा।
Axis Bank गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
फर्क सिर्फ सुविधा का नहीं, कुल लागत का है। EMI पहले महीने से मूलधन घटाती है, इसलिए ब्याज भी घटता जाता है। बुलेट में पूरी रकम आखिर तक चलती रहती है, इसलिए उसी दर पर कुल ब्याज ज्यादा बनता है। जिस दिन आप गिरवी रखें, उसी दिन तय कर लें कि मूलधन कहाँ से आएगा।
Axis Bank से गोल्ड लोन कितनी जल्दी मिल जाता है?
Axis Bank में गिरवी रखने से लेकर पैसा मिलने तक का काम आमतौर पर उसी दिन पूरा हो जाता है, बशर्ते शाखा में मूल्यांकन करने वाला मौजूद हो और आपके KYC दस्तावेज पूरे हों। निजी बैंकों में यह प्रक्रिया आमतौर पर तेज रहती है, पर मूल्यांकन उतना ही सख्त होता है। जाने से पहले फोन करके पूछ लें कि उस दिन मूल्यांकन की सुविधा है या नहीं।
अगर मैं Axis Bank का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
भाव गिरने पर भी जोखिम आता है: ऐसे में Axis Bank अतिरिक्त सोना या कुछ भुगतान माँग सकता है, भले आपने कोई किस्त न चूकी हो। इसीलिए अधिकतम सीमा तक कर्ज लेना समझदारी नहीं। नीलामी की नौबत आने पर भी नोटिस, समय और न्यूनतम कीमत की सुरक्षा आपके पास रहती है।

Axis Bank gold loan — FAQs

Why does Axis Bank charge different gold-loan rates on different schemes?
Same gold, different draw: Axis Bank's cheaper schemes simply lend a smaller share of appraised value, and the extra buffer flows back as basis points. That's the whole spread from 9.5% to 17% — LTV appetite, priced honestly.
What does a Axis Bank gold loan cost per month per ₹1 lakh?
Per lakh per month at Axis Bank: ₹792 on the floor slab, ₹1,104 mid-board, ₹1,417 at the ceiling. A ₹3 lakh pledge therefore meters between ₹2,376 and ₹4,251 monthly — scheme choice is that gap.
Are Axis Bank's advertised gold-loan rates guaranteed?
Treat 9.5%–17% as the honest map, not the contract: scheme, ticket size, tenure and payment-discipline conditions position you inside it. The binding number arrives on your Key Fact Statement before acceptance — read it against whatever the counter said aloud.
Can I move my gold loan from Axis Bank to a cheaper lender later?
Yes — gold-loan refinancing is routine: close and release at Axis Bank, re-pledge at the cheaper counter (or use a lender's takeover process where offered). The choreography needs a same-day plan and re-pledging costs a fresh round of appraisal/stamp charges — worth it when the rate gap is points, not fractions.
Gold loan hub· Rate today· EMI calculator· Check eligibility· Personal loans· Home loans

Axis Bank vs an unsecured loan: check both sides

A soft-check eligibility scan puts real personal-loan numbers beside the pledge.

Check Eligibility Free Gold Loan Hub

Disclaimer: BankCreds.com is a loan comparison platform and does not directly lend, disburse, or provide any financial products. We aggregate and display loan offers from RBI-registered banks and NBFCs to help you make an informed decision. All loan applications are processed directly by the respective lender. Interest rates, charges, eligibility, and terms shown are indicative and subject to the lender's final assessment. Please read the lender's terms and conditions carefully before applying.