Key takeaways: Axis Bank vs Bajaj Finance
- Axis Bank advertises the lower starting personal loan rate here, 9.99%, compared with 10% at Bajaj Finance.
- Bajaj Finance advertises the lower starting home loan rate here, 7.25%, compared with 8.20% at Axis Bank.
- All of them publish a numeric starting rate for: personal loan, home loan, car loan and two-wheeler loan. That is the part of this page you can rank like for like.
- A starting rate is the best case. Ask each lender for its Key Fact Statement and compare the APR and total repayable amount before you choose.
Quick verdict: who each lender suits
Built only from figures the lenders publish. It says where each lender is ahead on paper, not who will approve you.
Pick Axis Bank if you want
- The lower published starting personal loan rate (9.99%)
Pick Bajaj Finance if you want
- The lower published starting home loan rate (7.25%)
- The longer home loan tenure (up to 32 years)
- The widest range of loan types with a published rate (5)
Axis Bank vs Bajaj Finance at a glance
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Lender type | Private bank | NBFC |
| Legal name | Axis Bank Limited | Bajaj Finance Limited |
| Loan types with a published rate | Personal loan, Home loan, Car loan, Two-wheeler loan | Personal loan, Home loan, Loan against property, Business loan, Gold loan, Car loan, Two-wheeler loan |
| Personal loan: published rate | Starting at 9.99% p.a. | 10% to 30.5% p.a. (starting from 10% p.a.) |
| Personal loan: maximum tenure | Not published | 108 months |
| Home loan: published rate | Starting at 8.20%* p.a. | Starts at 7.25% p.a. (range 7.25%-20% salaried; 7.70%-20% self-employed; 7.30%-20% professionals) |
| Home loan: maximum tenure | Up to 30 years | Up to 32 years |
| Official website | axis.bank.in | bajajfinserv.in |
Searching for Bajaj Finance vs Axis Bank instead? It is the same comparison, so both open this page.
Axis Bank vs Bajaj Finance personal loan: rate, fees and tenure
Starting personal loan rates as published: Axis Bank from 9.99% and Bajaj Finance from 10%. Axis Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered.
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Published rate | Starting at 9.99% p.a. | 10% to 30.5% p.a. (starting from 10% p.a.) |
| Rate basis | Not published | fixed |
| Loan amount | Up to Rs 50 lakhs | Rs. 40,000 to Rs. 55 lakh |
| Maximum tenure | Not published | 108 months |
| Processing fee | Not published | Up to 4.13% of loan amount, inclusive of taxes |
| Prepayment / foreclosure | Not published | Term loan: up to 4.72% (incl. taxes) on outstanding for full prepayment and on principal prepaid for part-prepayment |
| Eligibility (as published) | Not published | Age 21 to 80 (80 or younger at end of tenure); CIBIL 650 or higher; salaried or self-employed |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/personal-loan axis.bank.in/loans/personal-loan/interest-rates-charges | bajajfinserv.in/personal-loan |
EMI illustration: ₹5 lakh over 5 years
| Lender | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Axis Bank | 9.99% | ₹10,621 | ₹1,37,264 | ₹6,37,264 |
| Bajaj Finance | 10% | ₹10,624 | ₹1,37,411 | ₹6,37,411 |
Illustration only, at each lender's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Personal loan
Axis Bank vs Bajaj Finance home loan: rate, fees and tenure
Starting home loan rates as published: Axis Bank from 8.20% and Bajaj Finance from 7.25%. Bajaj Finance is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. Bajaj Finance lists the longer maximum tenure (up to 32 years).
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Published rate | Starting at 8.20%* p.a. | Starts at 7.25% p.a. (range 7.25%-20% salaried; 7.70%-20% self-employed; 7.30%-20% professionals) |
| Rate basis | Not published | fixed or floating (floating can be linked to external benchmark such as repo rate) |
| Loan amount | Up to Rs 5 crore | Up to Rs. 15 crore |
| Maximum tenure | Up to 30 years | Up to 32 years |
| Processing fee | Not published | Nominal fee at application stage; amount not stated |
| Prepayment / foreclosure | Not published | Floating-rate individuals: Nil prepayment and foreclosure |
| Eligibility (as published) | Not published | Indian resident; age 23-67 salaried, 23-70 self-employed at maturity; CIBIL 725 or higher ideal |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/home-loan axis.bank.in/loans/home-loan/interest-rates-charges | bajajfinserv.in/home-loan |
EMI illustration: ₹50 lakh over 20 years
| Lender | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Axis Bank | 8.20% | ₹42,446 | ₹51,87,159 | ₹1,01,87,159 |
| Bajaj Finance | 7.25% | ₹39,519 | ₹44,84,512 | ₹94,84,512 |
Illustration only, at each lender's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Home loan
Axis Bank vs Bajaj Finance loan against property: rate, fees and tenure
Only Bajaj Finance publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. Axis Bank does not publish a numeric starting rate for this product on its site.
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Published rate | Not published | 7.5% to 14.25% p.a. (ECLGS: 7.50% to 13%) |
| Rate basis | Not published | fixed or floating (may be linked to repo rate) |
| Loan amount | Minimum Rs 5 lakhs | Up to Rs 15.50 crore |
| Maximum tenure | Not published | 15 years |
| Processing fee | Not published | Up to 3.54% of loan amount, inclusive of taxes |
| Prepayment / foreclosure | Not published | Term loan: up to 4.72% of outstanding on full prepayment and of principal prepaid on part |
| Eligibility (as published) | Not published | Age 21 (18 for non-financial property owners) to 85; CIBIL 650 or higher ideal; salaried or self-employed |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/loan-against-property | bajajfinserv.in/loan-against-property |
Read the full guide: Loan against property
Axis Bank vs Bajaj Finance business loan: rate, fees and tenure
Only Bajaj Finance publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. Axis Bank does not publish a numeric starting rate for this product on its site.
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Published rate | Not published | 14% to 23.50% p.a. (ECLGS 5.0: 8% to 13%) |
| Rate basis | Not published | per annum; reducing/flat not stated |
| Loan amount | Up to Rs 35 lakh (unsecured, basis banking conduct) | Rs. 2 lakh (Rs. 50,000 under ECLGS 5.0) to Rs. 80 lakh |
| Maximum tenure | Not published | 96 months |
| Processing fee | Not published | Up to 4.72% of loan amount, inclusive of taxes |
| Prepayment / foreclosure | Not published | Full prepayment up to 4.72% of outstanding; part prepayment up to 4.72% of principal prepaid on Term Loans |
| Eligibility (as published) | Not published | Business vintage at least 3 years; CIBIL 650 or higher; self-employed; age 21 to 80 at end of tenure |
| Other terms published |
|
|
| Official source | axis.bank.in/business-banking/small-business-banking/unsecured-loans/unsecured-business-loan-basis-banking-conduct | bajajfinserv.in/business-loan |
Read the full guide: Business loan
Axis Bank vs Bajaj Finance gold loan: rate, fees and tenure
Only Bajaj Finance publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. Axis Bank does not publish a numeric starting rate for this product on its site.
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Published rate | Not published | 9.50% to 24.25% p.a. |
| Rate basis | Not published | per annum |
| Loan amount | Not published | Rs 5,000 to Rs 2 crore |
| Maximum tenure | Not published | 12 months |
| Processing fee | Not published | 0.20% of loan amount, min Rs 150, max Rs 1,000 (incl. taxes), deducted upfront |
| Prepayment / foreclosure | Not published | Nil for full and part prepayment |
| Eligibility (as published) | Not published | Age 21 to 80; salaried, self-employed or pensioner; gold 18-22 karat |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/gold-loan | bajajfinserv.in/gold-loan |
Read the full guide: Gold loan
Axis Bank vs Bajaj Finance vehicle loans
Vehicle loan terms as these lenders publish them.
| Detail | Axis Bank | Bajaj Finance |
|---|---|---|
| Car loan: published rate | 8.90% - 11.70% | Up to 12.25% p.a. |
| Car loan: maximum tenure | Up to 8 years (per Axis Bank car loan calculator) | 12-96 months |
| Car loan: processing fee | Up to 2% of loan + GST; documentation Rs 700 + GST | Up to 2.95% of loan amount (incl. taxes) |
| Two-wheeler loan: published rate | 10% - 28% | Up to 24.25% p.a. |
| Two-wheeler loan: maximum tenure | 12-48 months (superbikes 12-60 months) | Not published |
| Two-wheeler loan: processing fee | Not published | Up to 5% of loan amount (incl. taxes) |
Full vehicle loan comparison for Axis Bank vs Bajaj Finance (all vehicle types, EMI tables and sources) · Vehicle loans guide
Which is better: Axis Bank or Bajaj Finance?
No lender is best for everyone. This is how the published figures split, product by product.
- Personal loan, lower starting rate: Axis Bank (9.99%) versus 10% at Bajaj Finance.
- Home loan, lower starting rate: Bajaj Finance (7.25%) versus 8.20% at Axis Bank.
- Home loan, longer maximum tenure: Bajaj Finance (up to 32 years). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each lender for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee. If you already bank with one of them, a salary or relationship account can change the rate you are offered, so ask.
Bank type and how each lender sets its rate
Axis Bank is a private bank and Bajaj Finance is a nbfc.
How the lenders' own pages say their rates are set:
- Bajaj Finance personal loan: fixed.
- Bajaj Finance home loan: fixed or floating (floating can be linked to external benchmark such as repo rate).
Public sector banks, private banks and non-banking finance companies (NBFCs) price differently. Banks usually link floating rates to the RBI repo rate or their own benchmark and add a spread based on your credit score; NBFCs more often quote a range wider at the top and charge higher processing fees. Some publish a range, some only a starting rate and some only a ceiling, which is why this page compares like with like and marks every gap as not published instead of guessing.
About Axis Bank and Bajaj Finance
Axis Bank
Private bank · Axis Bank Limited
We found published terms for personal loan, home loan, loan against property, business loan and gold loan on Axis Bank's website.
Lowest published starting rate on this page: 8.20% (Home loan)
Bajaj Finance
NBFC · Bajaj Finance Limited
We found published terms for personal loan, home loan, loan against property, business loan, gold loan and education loan on Bajaj Finance's website.
Lowest published starting rate on this page: 7.25% (Home loan)
Explore each lender: loans, calculators and more comparisons
Axis Bank
More comparisons
Guides: Personal loans · Home loans · Car loan · Car loan EMI calculator · EMI calculators
What to check before you choose a lender
- Ask for the Key Fact Statement (KFS). RBI requires lenders to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Check the rate basis. A floating rate moves with the lender's benchmark; a fixed rate does not. Ask when the rate resets.
- Ask about prepayment and foreclosure. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
- Read the eligibility and documents. Income, credit score, employment type and collateral decide the rate band you land in.
Sources, method and last check
Every figure above comes from the lender's own website. We checked them on 12 October 2026 (vehicle loan figures on 4 October 2026) and list the pages used.
- Axis Bank: axis.bank.in/loans/personal-loan · axis.bank.in/loans/personal-loan/interest-rates-charges · axis.bank.in/loans/home-loan · axis.bank.in/loans/home-loan/interest-rates-charges · axis.bank.in/loans/loan-against-property · axis.bank.in/business-banking/small-business-banking/unsecured-loans/unsecured-business-loan-basis-banking-conduct
- Bajaj Finance: bajajfinserv.in/personal-loan · bajajfinserv.in/home-loan · bajajfinserv.in/loan-against-property · bajajfinserv.in/business-loan · bajajfinserv.in/gold-loan · bajajfinserv.in/education-loan-on-property
| Lender | Official pages opened | Loan types with a published rate | Loan types where rate is not published | Last checked |
|---|---|---|---|---|
| Axis Bank | 9 | 4 | 4 | 12 October 2026 |
| Bajaj Finance | 10 | 7 | 1 | 12 October 2026 |
A "not published" count means we opened the lender's page for that product and the rate was not shown there, or the lender has no such page on its site. If you spot an error, tell us and we will correct it.
Method: we list only figures we could read on the lender's official pages. A blank means the lender does not publish that figure on the page we checked, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More lender comparisons
Axis Bank compared with other lenders (15)
Bajaj Finance compared with other lenders (15)
Add a third lender to Axis Bank vs Bajaj Finance (8)
Compare any two or three lenders · Personal loans · Home loans · Vehicle loans
Frequently asked questions
Which is better: Axis Bank or Bajaj Finance?
Axis Bank advertises the lower starting personal loan rate here, 9.99%, compared with 10% at Bajaj Finance. Bajaj Finance advertises the lower starting home loan rate here, 7.25%, compared with 8.20% at Axis Bank. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each lender's Key Fact Statement. Figures are as published on the lenders' own websites and checked 12 October 2026. The better choice depends on your profile, the loan type, the amount and the fees in your offer letter.
Bajaj Finance or Axis Bank: which should I pick for a loan?
Order does not change the comparison, so Axis Bank vs Bajaj Finance and Bajaj Finance vs Axis Bank are the same page. Start with the loan type you need: the sections above show each lender's published rate, fees, tenure and prepayment terms for it, and the lower starting rate is not always the lower total cost.
Which has the lower personal loan interest rate: Axis Bank or Bajaj Finance?
Axis Bank has the lower published starting rate. Published starting rates: Axis Bank 9.99% and Bajaj Finance 10% (checked 12 October 2026). Your actual rate depends on your credit profile and the lender's approval.
What is the personal loan processing fee at Axis Bank and Bajaj Finance?
Axis Bank: not published. Bajaj Finance: Up to 4.13% of loan amount, inclusive of taxes. Fees can change and GST is usually extra, so check the Key Fact Statement.
Which has the lower home loan interest rate: Axis Bank or Bajaj Finance?
Bajaj Finance has the lower published starting rate. Published starting rates: Axis Bank 8.20% and Bajaj Finance 7.25% (checked 12 October 2026). Your actual rate depends on your credit profile and the lender's approval.
What is the home loan processing fee at Axis Bank and Bajaj Finance?
Axis Bank: not published. Bajaj Finance: Nominal fee at application stage; amount not stated. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum home loan tenure at Axis Bank and Bajaj Finance?
Axis Bank: up to 30 years. Bajaj Finance: up to 32 years.
How much personal loan can I get from Axis Bank and Bajaj Finance?
Axis Bank: Up to Rs 50 lakhs. Bajaj Finance: Rs. 40,000 to Rs. 55 lakh. The lender decides the final amount from your income, credit score and existing obligations.
What is the EMI on a ₹5 lakh personal loan at Axis Bank and Bajaj Finance?
Over 5 years at each lender's lowest published rate: Axis Bank about ₹10,621 a month at 9.99%; Bajaj Finance about ₹10,624 a month at 10%. An illustration that leaves out fees, GST and insurance; your offered rate may be higher.
What is the EMI on a ₹50 lakh home loan at Axis Bank and Bajaj Finance?
Over 20 years at each lender's lowest published rate: Axis Bank about ₹42,446 a month at 8.20%; Bajaj Finance about ₹39,519 a month at 7.25%. An illustration that leaves out fees, GST and insurance; your offered rate may be higher.
Can I prepay or foreclose a home loan early at Axis Bank and Bajaj Finance?
Axis Bank: not published. Bajaj Finance: Floating-rate individuals: Nil prepayment and foreclosure. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which loans do Axis Bank and Bajaj Finance publish rates for?
Axis Bank: personal loan, home loan. Bajaj Finance: personal loan, home loan, loan against property, business loan, gold loan. Based on each lender's own website, checked 12 October 2026.
Are Axis Bank and Bajaj Finance regulated by the RBI?
Axis Bank is a bank regulated by the Reserve Bank of India (RBI); Bajaj Finance is a non-banking finance company registered with and regulated by the RBI. Check a lender's registration on the RBI website before you apply, and apply only through its official channels.
Are the rates on this page the rate I will get?
No. They are the rates the lenders publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and, for secured loans, the asset. Always read the Key Fact Statement before you sign.
KhatuLoans is not a lender and is not paid by the lenders named here to rank them. Rates, fees and eligibility change; always confirm with the lender. Read our editorial policy and how we make money.