AXIS Bank Personal Loan VS HDFC Bank Personal Loan Comparison 2022

AXIS Bank Personal Loan VS HDFC Bank Personal Loan Comparison 2022

Friends, in today’s time personal loan has become the need of everyone. Because instead of earning, expenses are increasing. So where to take loan? Take this personal loan from any government bank or private bank.

If the loan is obtained from a government bank, then it is very good, but government banks give loans to only a few selected customers. Anyway, to take loan from government banks, they are not able to fulfill their conditions and it takes a lot of time to take loan.

Now the option of private bank left. While taking a loan from a private bank, great care has to be taken because something is told before taking the loan and when the installation has to be given after taking the loan, then it is not known how many charges come.

We have written a detailed post about Axis Bank Personal Loan and HDFC Bank Personal Loan in Private Banks. If you want to take a personal loan, then you must read these two posts of ours.

Now it comes to taking a personal loan and that too from a private bank, today in this post we will show a comparison about Axis Bank Personal Loan and HDFC Bank Personal Loan and then you decide which bank you should take the loan from. To take from

AXIS Bank Personal Loan VS HDFC Bank Personal Loan Comparison 2022

Also Read:

AXIS Bank Personal Loan VS HDFC Bank Personal Loan Comparison 2022

By the way, both the banks are well-known private banks of India in today’s time and both are the competitors of each other. Both are trying to give the best options to their customers, but it is also your responsibility to know the term and condition of that bank before taking any personal loan.

Axis Bank Personal Loan and HDFC Personal Loan 2022 Comparison Table

AXIS Bank Personal Loan FeaturesHDFC Bank Personal Loan Features
AXIS बैंक अपने कस्टमर्स को इंस्टेंट पर्सनल लोन दे रहा है।HDFC बैंक भी अपने कस्टमर्स को इंस्टेंट पर्सनल लोन दे रहा है।
AXIS बैंक कस्टमर्स को ऑनलाइन और ऑफलाइन दोनों तरह से पर्सनल लोन दे रहा है।HDFC बैंक भी ऑनलाइन और ऑफलाइन दोनों तरह से पर्सनल लोन दे रहा है।
AXIS बैंक पर्सनल लोन के लिए मिनिमम डाक्यूमेंट्स ले रहा है।HDFC बैंक भी अपने कस्टमर्स से मिनिमम डाक्यूमेंट्स ले रहा है।
AXIS बैंक यह पर्सनल लोन 21 वर्ष से लेकर 60 वर्ष तक के कस्टमर्स को दे रहा है।HDFC बैंक भी यह पर्सनल लोन 21 वर्ष से लेकर 60 वर्ष तक दे रहा है।
AXIS बैंक यह लोन ऐसे व्यक्तियों को दे रहा है जो कहीं न कहीं प्राइवेट सेक्टर, पब्लिक सेक्टर , गवर्नमेंट सेक्टर में कर्मचारी हैं।HDFC बैंक भी यह पर्सनल लोन ऐसे ही व्यक्तियों को दे रहा है जो प्राइवेट सेक्टर , पब्लिक सेक्टर या गवर्नमेंट सेक्टर में कर्मचारी हैं।
AXIS बैंक यह पर्सनल लोन लेने के लिए कम से कम 15000 हजार रूपये महीना सैलरी का होना जरूरी है।HDFC बैंक का यह पर्सनल लोन लेने के लिए व्यक्ति की सैलरी 25000 रूपये मासिक होना जरूरी है।
AXIS बैंक ने ऐसा कुछ नहीं लिखा है की कस्टमर का टोटल एम्प्लॉयमेंट का टाइम कितना होना चाहिए।HDFC बैंक का यह पर्सनल लोन लेने के लिए कस्टमर का 2 साल का एम्प्लॉयमेंट होना जरूरी है और वर्तमान एम्प्लायर के साथ 1 साल का एम्प्लॉयमेंट होना जरूरी है।
AXIS बैंक अपने पर्सनल लोन पर 10.49% से लेकर 21 % का इंटरेस्ट रेट चार्ज करता हैजबकि HDFC बैंक भी 10.50 % से लेकर 21 % का इंटरेस्ट रेट चार्ज करता है
AXIS बैंक पर्सनल लोन 50000 से 1500000 तक का अमाउंट दे रहा है।HDFC बैंक अपने कस्टमर्स को 50000 से 4000000 तक का पर्सनल लोन दे रहा है।
AXIS बैंक यह पर्सनल लोन 12 महीने से लेकर 60 महीने तक दे रहा है।HDFC बैंक भी 12 महीने से लेकर 60 महीने तक यह पर्सनल लोन दे रहा है।
AXIS बैंक के पर्सनल लोन को अगर आप 12 महीने से पहले बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 5% एक्स्ट्रा चार्जेज देना पड़ेगा।HDFC के पर्सनल लोन को आप एक साल से पहले बंध नहीं करा सकते।
AXIS बैंक के पर्सनल लोन अगर आप 12 महीने और 24 महीने के बीच में बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 4% एक्स्ट्रा चार्जेज देना पड़ेगा।HDFC के पर्सनल लोन को भी अगर आप 12 महीने और 24 महीने के बीच में बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 4 % एक्स्ट्रा चार्जेज देना पड़ेगा।
AXIS बैंक का पर्सनल लोन अगर आप 25 और 36 महीने के बीच में बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 3 % चार्जेज भी देना पड़ेगा।HDFC बैंक का पर्सनल लोन अगर आप 25 और 36 महीने के बीच में बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 3 % चार्जेज भी देना पड़ेगा।
AXIS बैंक का पर्सनल लोन अगर 36 महीने होने के बाद कभी भी बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 2% चार्जेज भी देना पड़ेगा।HDFC बैंक का पर्सनल लोन अगर 36 महीने होने के बाद कभी भी बंध करना चाहते हैं तो आपको टोटल बची हुई राशि और उसका 2% चार्जेज भी देना पड़ेगा।
AXIS बैंक पर्सनल लोन की इन्सटॉलमेंट देते वक्त अगर आपका चेक और SI बाउंस होता है तो आपको 399 + GST एक्स्ट्रा चार्जेज लगेगा।HDFC पर्सनल लोन के लिए पहली बार चेक बाउंस पर 450 + GST , दूसरी बार चेक बाउंस पर 500+GST और तीन या इससे अधिक बार चेक बाउंस होने पर 550+GST के रूप में एक्स्ट्रा चार्जेज लगेगा।
AXIS बैंक पर्सनल लोन पर 4999 रूपये प्रोसेसिंग फीस ले रहा है।HDFC बैंक पर्सनल लोन पर टोटल राशि का 2.5% कम से कम 999 और ज्यादा से ज्यादा 25000 रूपये प्रोसेसिंग फीस ले रहा है।

AXIS Personal Loan vs HDFC Personal Loan

FeaturesAxis BankHDFC Bank
ब्याज दर10.49% से 21%10.50% से 21%
प्रोसेसिंग फीसटोटल 4999टोटल राशि का 2.5% और मिनिमम 999 तथा मैक्सिमम 25000 रूपये
लोन की राशि50000 से लेकर 1500000 तक50000 से लेकर 4000000 तक
लोन चुकाने की समय सीमा1 साल से 5 साल तक1 साल से 5 साल तक
लोन बंध करने के चार्जेजपहले साल टोटल राशि + 5% एक्स्ट्रा चार्जेज
12 महीने से 24 महीने के बीच में टोटल राशि +4% चार्जेज
25 महीने से 36 महीने के बीच में टोटल राशि +3% चार्जेज
36 महीने से ऊपर टोटल राशि +2 % चार्जेज
पहले 12 महीने तक बंध करने की अनुमति नहीं
12 महीने से 24 महीने के बीच में टोटल राशि +4% चार्जेज
25 महीने से 36 महीने के बीच में टोटल राशि +3% चार्जेज
36 महीने से ऊपर टोटल राशि +2 % चार्जेज
लोन लेने की उम्र21 वर्ष से 60 वर्ष21 वर्ष से 60 वर्ष
कम से कम मासिक सैलरीRS 15000Rs 25000
वर्तमान एम्प्लॉयमेंटएक महीनाटोटल 2 साल और वर्तमान एम्प्लायर के पास 1 साल
एक लाख पर 5 साल के लिए Minimum EMI21772149

Friends, in this article we will get information about Axis Bank Personal Loan Interest Rate. If you are interested to know Axis Bank Personal Loan interest rate then this article can be very informative for you. We will know how much is the Axis Bank Personal Loan Interest Rate.

Axis Bank Personal Loan Interest Rate | Axis Bank Personal Loan Interest Rate kya hai | Axis Bank Personal Loan Interest Rate |axis bank full details in 2022

Axis Bank Full Details in 2022

Friends Axis Bank is a very big private bank, in 1999, it was known as UTI Bank, the bank gives itself very good banking services like loan, savings account, insurance, credit card, many such banking services are given and this bank It also gives many types of loans like; Home loan, car loan, business loan, personal loan, many such loans are given by Axis Bank and to meet many personal needs, it gives personal loans at cheap interest rates.

Axis Bank Personal Loan Interest Rate

Currently, Axis Bank Personal Loan interest rates start from 10.25% per annum, based on the official website of Axis Bank. However, these interest rates may vary according to the individual’s personal profile, including his/her credit score, age, loan amount and the tenure you can repay the loan, etc.

Interest Rate :- 11.49% – 17.49%
Loan Amount :- Rs.50,000 15 lakh to Rs. And no limit, depends on credit score, income, repayment capacity etc.
Loan tenure :- Up to 5 years
Which increased on 1 year MCLR :- 3.75-15.75%
Effective Rate :- 12-24%

What are Personal Loans :-

Personal loan is a risky loan. The interest of this loan is higher as compared to other loans. Friends, I would advise you to take this loan only when you have an emergency problem. Because if a person takes a personal loan, then he goes on drowning in debt. Then even after wishing, he is not able to get out of debt so easily.

In today’s time i.e. covid-19 is not over yet. So many people have lost their jobs, traders have incurred losses in their business. Due to which the need for personal loan has come to the fore in people.

I’ll tell you today. If you have thought. If you want a personal loan, then you should do it from food. And what documents will be taken in this, how much time will be taken, how much interest will be there and how long will it be.

Personal loan is a risky loan, not everyone wants to take it as long as a person has his own savings.

One will take a personal loan only when there is an emergency condition and the savings are not high. Need more amount.

Reasons for taking personal loan :-

  • Marriage
  • Medical Emergency
  • Home Renovation

Marriage:-

In today’s time, only one takes a personal loan. When someone dreams of getting married for their children. So nowadays inflation has become so high. That if someone wants to get married then 5-10 lakhs are normally spent. And if something more important happens then up to 10-15 lakhs gets spent. And friends, we do not like to ask for money from relatives. Better than this, we take a personal loan. This type of loan helps you to fulfill your original wedding dreams.

Medical Emergency:-

Friends, today a medical emergency can come in anyone’s family, for that it is important that we have to do our health insurance. I had also told this in the topic How to become my Financial Independent. By the way, in today’s time, everyone has Heath Insurance. But sometimes medical bills come so much that health insurance also falls short. So for this the safety of the family is first, so we have to take a personal loan.

Home Renovation:-

Friends, we all have a dream to have a nice house. If at that time we do not have enough income so that we can build our own house. So for this sometimes personal loan has to be taken which fulfills our wishes.
We take a personal loan and convert it into an easy EMI.

Some things to be kept in mind while taking a personal loan:-
Friends, while applying for Personal Loan, you should not forget these things that how much is your repayment capacity. Do you already have any loan going on. How much EMI goes to it. What if you want to take another loan, you are able to pay that EMI as much as it will come.
This is not affecting your other budget. So let me tell you some important things.

Interest Rate:-

Friends, the interest rate is decreasing because there is more competition in the market. So before taking your personal loan, it is to be checked that how much interest is high but where is it less.

Emi Amount :-

If you are ready to take a personal loan then it is very important for you to know how much you can repay every month. Accordingly, you should choose EMI.

Tenure :-

When you select the EMI, you have to select the tenure at the same time because the higher the tenure, the lower will be your EMI. And if you keep the tenure short, then your EMI will be high.

Conclusion

Friends, I hope that you will be able to decide for yourself which loan will be beneficial for you and which will be harmful. Thumbs up and thumbs down in the above detailed table of Axis Bank and HDFC Bank Personal Loans will give you a better understanding of the loan points.

Friends, we hope that the information given to you about Axis Bank Personal Loan Interest Rate must have been absolutely accurate. If you have any question in your mind, then you can definitely ask by commenting in the comment box given below, friends, if you like it, then you will definitely share this article further.

It is for you to decide for yourself that from which private bank you want to take this personal. Before taking any personal, it would be wise to know the terms and conditions of that bank so that you do not have to regret in any way later.

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