Key takeaways: Axis Bank vs TVS Credit
- Axis Bank advertises the lower starting personal loan rate here, 9.99%, compared with 14% at TVS Credit.
- All of them publish a numeric starting rate for: personal loan and two-wheeler loan. That is the part of this page you can rank like for like.
- No numeric starting rate on the lender's own site for: TVS Credit (home loan). We show "Not published" instead of estimating.
- 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%)
- The widest range of loan types with a published rate (4)
Pick TVS Credit if you want
No clear published edge on the figures we could compare. Check the product sections below and the Key Fact Statement.
Axis Bank vs TVS Credit at a glance
| Detail | Axis Bank | TVS Credit |
|---|---|---|
| Lender type | Private bank | NBFC |
| Legal name | Axis Bank Limited | TVS Credit Services Limited |
| Loan types with a published rate | Personal loan, Home loan, Car loan, Two-wheeler loan | Personal loan, Two-wheeler loan |
| Personal loan: published rate | Starting at 9.99% p.a. | 14% to 35% per annum |
| Personal loan: maximum tenure | Not published | 36 months |
| Home loan: published rate | Starting at 8.20%* p.a. | Not published |
| Home loan: maximum tenure | Up to 30 years | Not published |
| Official website | axis.bank.in | tvscredit.com |
Searching for TVS Credit vs Axis Bank instead? It is the same comparison, so both open this page.
Axis Bank vs TVS Credit personal loan: rate, fees and tenure
Starting personal loan rates as published: Axis Bank from 9.99% and TVS Credit from 14%. 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 | TVS Credit |
|---|---|---|
| Published rate | Starting at 9.99% p.a. | 14% to 35% per annum |
| Rate basis | Not published | profile-based (varies by customer profile) |
| Loan amount | Up to Rs 50 lakhs | Rs. 30,000 to Rs. 2,00,000 |
| Maximum tenure | Not published | 36 months |
| Processing fee | Not published | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | 15-day cooling period; then % of principal outstanding: 16 days-12 months 7.08%; 13-24 months 4.72% |
| Eligibility (as published) | Not published | Monthly income above Rs. 25,000; CIBIL score above 700 |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/personal-loan axis.bank.in/loans/personal-loan/interest-rates-charges | tvscredit.com/loans/online-personal-loans tvscredit.com/loans/online-personal-loans/eligibility-and-documents |
Read the full guide: Personal loan
Axis Bank vs TVS Credit home loan: rate, fees and tenure
Only Axis Bank publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. TVS Credit has no home loan terms we could verify on its official site.
| Detail | Axis Bank | TVS Credit |
|---|---|---|
| Published rate | Starting at 8.20%* p.a. | Not published |
| Loan amount | Up to Rs 5 crore | Not published |
| Maximum tenure | Up to 30 years | Not published |
| Other terms published |
| Not published |
| Official source | axis.bank.in/loans/home-loan axis.bank.in/loans/home-loan/interest-rates-charges | Not published |
Read the full guide: Home loan
Axis Bank vs TVS Credit loan against property: rate, fees and tenure
None of these lenders publishes a plain starting rate for a loan against property; some tie the rate to a benchmark and add a spread, which is shown in the table as published. Axis Bank and TVS Credit do not publish a numeric starting rate for this product on their site.
| Detail | Axis Bank | TVS Credit |
|---|---|---|
| Published rate | Not published | 7% to 36% p.a. (labelled Rate of Interest / APR) |
| Rate basis | Not published | reducing balance (per sample illustration) |
| Loan amount | Minimum Rs 5 lakhs | Rs. 2 lakh (salaried); Rs. 3 lakh (self-employed) to Rs. 75 lakh |
| Maximum tenure | Not published | 180 months |
| Processing fee | Not published | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | Foreclosure charges 4% of future principal outstanding |
| Eligibility (as published) | Not published | Indian national; age 18-55 / 18-65 (page unclear); min 1 year employment/business; FAQ: CIBIL 700+, income Rs. 25,000/month |
| Other terms published |
|
|
| Official source | axis.bank.in/loans/loan-against-property | tvscredit.com/loans/loan-against-property |
Read the full guide: Loan against property
Axis Bank vs TVS Credit business loan: rate, fees and tenure
None of these lenders publishes a plain starting rate for a business loan; some tie the rate to a benchmark and add a spread, which is shown in the table as published. Axis Bank and TVS Credit do not publish a numeric starting rate for this product on their site.
| Detail | Axis Bank | TVS Credit |
|---|---|---|
| Loan amount | Up to Rs 35 lakh (unsecured, basis banking conduct) | Not published |
| Processing fee | Not published | Up to 5.9% (inclusive of GST) |
| Prepayment / foreclosure | Not published | 4% of future principal outstanding (inclusive of GST) |
| Other terms published |
|
|
| Official source | axis.bank.in/business-banking/small-business-banking/unsecured-loans/unsecured-business-loan-basis-banking-conduct | tvscredit.com/loans/emerging-and-mid-corporate-business-loans |
Read the full guide: Business loan
Axis Bank vs TVS Credit vehicle loans
Vehicle loan terms as these lenders publish them.
| Detail | Axis Bank | TVS Credit |
|---|---|---|
| Car loan: published rate | 8.90% - 11.70% | Not published |
| Car loan: maximum tenure | Up to 8 years (per Axis Bank car loan calculator) | Not published |
| Car loan: processing fee | Up to 2% of loan + GST; documentation Rs 700 + GST | Not published |
| Two-wheeler loan: published rate | 10% - 28% | Up to 36% p.a. |
| Two-wheeler loan: maximum tenure | 12-48 months (superbikes 12-60 months) | 12-60 months |
| Two-wheeler loan: processing fee | Not published | New 2W up to 8.85%; used 2W up to 5.9% (incl. GST) |
Which is better: Axis Bank or TVS Credit?
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 14% at TVS Credit.
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 TVS Credit is a nbfc.
How the lenders' own pages say their rates are set:
- TVS Credit personal loan: profile-based (varies by customer profile).
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 TVS Credit
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)
TVS Credit
NBFC · TVS Credit Services Limited
We found published terms for personal loan, loan against property, business loan and gold loan on TVS Credit's website.
Lowest published starting rate on this page: 14% (Personal 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
- TVS Credit: tvscredit.com/loans/online-personal-loans · tvscredit.com/loans/online-personal-loans/eligibility-and-documents · tvscredit.com/loans/loan-against-property · tvscredit.com/loans/emerging-and-mid-corporate-business-loans · tvscredit.com/loans/gold-loans · tvscredit.com/loans/two-wheeler-loans
| 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 |
| TVS Credit | 8 | 2 | 6 | 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)
TVS Credit compared with other lenders (10)
Compare any two or three lenders · Personal loans · Home loans · Vehicle loans
Frequently asked questions
Which is better: Axis Bank or TVS Credit?
Axis Bank advertises the lower starting personal loan rate here, 9.99%, compared with 14% at TVS Credit. 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.
TVS Credit or Axis Bank: which should I pick for a loan?
Order does not change the comparison, so Axis Bank vs TVS Credit and TVS Credit 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 TVS Credit?
Axis Bank has the lower published starting rate. Published starting rates: Axis Bank 9.99% and TVS Credit 14% (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 TVS Credit?
Axis Bank: not published. TVS Credit: Up to 5.9% (inclusive of GST). 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 TVS Credit?
Axis Bank: up to 30 years. TVS Credit: not published.
How much personal loan can I get from Axis Bank and TVS Credit?
Axis Bank: Up to Rs 50 lakhs. TVS Credit: Rs. 30,000 to Rs. 2,00,000. The lender decides the final amount from your income, credit score and existing obligations.
Which loans do Axis Bank and TVS Credit publish rates for?
Axis Bank: personal loan, home loan. TVS Credit: personal loan. Based on each lender's own website, checked 12 October 2026.
Are Axis Bank and TVS Credit regulated by the RBI?
Axis Bank is a bank regulated by the Reserve Bank of India (RBI); TVS Credit 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.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a lender. The lender decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the lenders named here to rank them. See how we make money on our advertiser disclosure page.
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.