Axis Bank Gold Loan Interest Rates
Axis Bank is one of India’s leading private sector banks, known for offering a range of financial products, including gold loans. Gold loans are a popular choice for borrowers seeking quick funds against the collateral of gold jewellery or coins. The interest rates on these loans are a key factor for borrowers, as they directly impact the total cost of borrowing. This article provides a comprehensive overview of the current Axis Bank gold loan interest rates and compares them with other major lenders in the market.
Current Axis Bank Gold Loan Interest Rate
As of December 2025, Axis Bank offers gold loans at competitive interest rates that are determined based on several factors such as the loan amount, tenure, gold purity, and the borrower’s credit profile. The current Axis Bank gold loan interest rate ranges from 9.50% to 11.50% per annum for most customers.
Factors Influencing the Rate
- Loan Amount: Higher loan amounts may attract lower interest rates due to better negotiation power and reduced risk for the bank.
- Tenure: The loan tenure can also impact the rate, with shorter tenures sometimes offering lower rates.
- Gold Purity: Loans against higher purity gold (22K or 24K) may receive better rates compared to lower purity gold.
- Credit Score: Customers with a higher credit score may qualify for lower interest rates.
Features of Axis Bank Gold Loan
- Loan Amount: Up to 75% of the market value of the gold.
- Tenure: Maximum tenure of 36 months.
- Processing Fee: Typically 0.50% to 1% of the loan amount.
- Repayment Options: Flexible repayment through EMI or bullet payment at maturity.
Axis Bank also offers digital gold loans, allowing customers to apply online and get instant approval. The bank’s customer service and branch network make it convenient for borrowers to avail and manage their gold loans.
Axis Bank Gold Loan Per Gram Rate
Axis Bank offers gold loans based on the market value of the gold pledged, and the per gram rate varies depending on the daily gold price and the purity of the gold (22K, 24K, etc.). As of December 2025, the gold loan per gram rate at Axis Bank typically ranges from ₹4,685 to ₹6,247 per gram. This rate is subject to change daily based on fluctuations in the market price of gold.
Factors Affecting Per Gram Rate
- Daily Gold Price: The per gram rate is directly linked to the prevailing market price of gold.
- Gold Purity: Higher purity gold (22K or 24K) generally fetches a higher loan amount per gram.
- Loan-to-Value (LTV) Ratio: Axis Bank offers up to 75% of the gold’s market value as a loan, so the actual loan amount per gram is calculated after applying the LTV.
Compare Axis Bank Gold Loan Interest with Other Lenders
When considering a gold loan, it’s important to compare the interest rates and terms offered by Axis Bank with those of other leading lenders. Here’s a detailed comparison to help borrowers make an informed decision.
Gold Loan Interest Rates (December 2025)
| Lender | Interest Rate (%) | Processing Fee (%) | Maximum Loan Amount (% of Gold Value) | Tenure (Months) | Special Features |
|---|---|---|---|---|---|
| Axis Bank | 9.50–11.50 | 0.50–1.00 | 75% | 36 | Online application, quick disbursal |
| HDFC Bank | 10.00–12.00 | 0.50–1.00 | 75% | 36 | Wide branch network |
| ICICI Bank | 10.25–12.50 | 0.50–1.00 | 75% | 36 | Digital gold loan, doorstep service |
| SBI | 9.75–12.25 | 0.50–1.00 | 75% | 36 | Government bank, low processing fee |
| Muthoot Finance | 10.50–13.50 | 0.50–1.50 | 75% | 36 | Quick disbursal, high branch presence |
| Manappuram Finance | 11.00–14.00 | 0.50–1.50 | 75% | 36 | Instant loan, flexible repayment |
Key Observations
- Axis Bank offers one of the lowest interest rates in the market, especially for customers with a good credit profile and higher loan amounts.
- HDFC Bank and ICICI Bank offer similar rates but may have stricter eligibility criteria.
- SBI, as a government bank, provides competitive rates and lower processing fees, making it attractive for cost-sensitive borrowers.
- Muthoot Finance and Manappuram Finance are non-banking financial companies (NBFCs) with higher rates but offer instant disbursal and flexible repayment options, which may appeal to borrowers needing quick funds.
Factors to Consider When Comparing Lenders
- Interest Rate: The lower the rate, the lower the cost of borrowing.
- Processing Fee: Some lenders charge higher processing fees, which can add to the overall cost.
- Loan-to-Value Ratio: The maximum percentage of gold value that can be borrowed.
- Repayment Flexibility: Look for lenders offering EMI or bullet payment options.
- Customer Service: Easy access to branches and responsive customer support.
- Digital Experience: Online application and tracking facilities.
Benefits of Axis Bank Gold Loan
- Competitive Rates: Axis Bank’s rates are among the lowest in the market.
- Wide Branch Network: Convenient access for documentation and gold appraisal.
- Digital Process: Fast online application and approval.
- Transparent Charges: Clear disclosure of processing fees and other charges.
- Flexible Repayment: Multiple options for repayment, including EMI and bullet payment.
FAQs
Based on recent data, the Axis Bank gold loan interest rate starts from a range of approximately 8.75% p.a. to 10.49% p.a., depending on the source and may go up to 17% p.a. or 19% p.a.
Axis Bank offers gold loans with both fixed and floating interest rate options, depending on the specific gold loan scheme you choose.
The reported minimum and maximum interest rates for Axis Bank gold loans vary slightly across different sources, but they generally fall within the following range:
- Minimum Interest Rate: Approximately 8.75% p.a. to 10.49% p.a.
- Maximum Interest Rate: Approximately 17% p.a. to 19% p.a.
To check the most current and accurate Axis Bank gold loan interest rate online, you should:
- Visit the Official Axis Bank Website: Navigate to the Gold Loan section on the bank's official website. Banks regularly update their interest rates and scheme details on their official pages.
Reshma Rawat is a passionate writer, with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra, and writes blogs & webpages on financial products (loans, credit cards, insurance, financial policies by government, mutual funds, etc.
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