A gold loan is one of the most practical financial solutions when you need urgent funds but do not want to sell your jewellery or disturb long-term savings. In India, gold is not only a cultural asset but also a powerful financial backup because it can be converted into cash quickly through secured borrowing. Whether your requirement is planned (such as education fees or a wedding) or unexpected (such as a medical emergency or business cash-flow gap), a gold loan offers fast access to funds with fewer approval hurdles.

• Also Read: Live Gold Price Today

This detailed guide explains everything you need to know about the Axis Bank Gold Loan Interest Rate 2026, including key highlights, gold loan interest rate range, rate per gram, agriculture gold loan rate, eligibility criteria, required documents, and the complete application process through online and offline modes.

Axis Bank Gold Loan Highlights

• Loan Scheme: Axis Bank Gold Loan, designed for individuals seeking quick secured funding against gold ornaments without complex income verification or lengthy approvals.
• Interest Rate: Interest rates typically range from 9.75% p.a. to 17% p.a., depending on the loan structure, tenure, and internal bank policy.
• Loan Amount: Loan amounts start from ₹25,001 and can go up to ₹40 lakh, based on gold purity, net weight, and branch valuation norms.
• Tenure: Flexible tenure options are available from 6 months to 36 months, allowing borrowers to choose short-term repayment or extended affordability.
• Processing Charges: A processing charge of 0.50% of the loan amount is applicable, covering administrative handling, verification steps, and documentation processing costs.

These highlights provide a clear overview, but borrowers should remember that the final loan terms depend on the pledged gold’s evaluation outcome and repayment plan selection.

Axis Bank Gold Loan Interest Rate 2026

Axis Bank gold loan interest rates in 2026 generally range between 9.75% per annum and 17.00% per annum. This wide range exists because gold loan pricing may vary based on the loan product variant, repayment structure, loan amount slab, and bank policies at the time of sanction.

• Must Know: Gold Rate Prediction for the Next 5 Years in India

The Axis Bank Gold loan interest rate for 2026 is as follows:

• Product: Gold Loan
• 1 year MCLR: 8.75%
• Spread over 1 year MCLR: 8.25%
• Interest Rate: 17%

Floating Rate: 9.75% – 17.00% p.a.

Fixed Rate: 17.00% p.a. (1-year MCLR of 8.75% + 8.25% spread)

What MCLR Means for Your Gold Loan

MCLR stands for Marginal Cost of Funds Based Lending Rate. When your loan’s interest rate is linked to MCLR, the bank uses a benchmark rate (such as the 1-year MCLR) and then adds a spread to determine your final lending rate.

In simple terms:

• Interest Rate = MCLR + Spread

This is why you may see an interest rate such as 17% shown as a fixed rate in loan tables—it is calculated based on the benchmark MCLR along with the spread applied by the bank.

What Determines Your Final Interest Rate Within the Range

Axis Bank may offer interest rates within a specified range because the final pricing depends on borrower-specific factors, loan structure, and scheme availability at the branch level.

• Loan amount requirement: Customers applying for higher loan amounts may fall under different pricing slabs, which can influence the interest rate offered by the branch.
• Gold quality and purity: Higher purity gold is easier to value and generally supports smoother appraisal and approval decisions, which may positively influence loan terms.
• Chosen repayment structure: Options such as EMI repayment, interest-only servicing, or bullet repayment can affect the overall interest cost across the loan tenure.
• Branch-specific schemes: Certain branches may offer promotional schemes or bundled pricing from time to time, while others strictly follow standard loan pricing.
• Existing relationship with Axis Bank: Customers with an established banking relationship may experience faster processing and smoother verification, improving the overall borrowing experience.

Before signing the loan agreement, always confirm the applicable interest rate, calculation method, charges, and penalty terms to avoid confusion during repayment.

Axis Bank Gold Loan Rate per Gram

Axis Bank’s gold loan value per gram changes regularly since gold prices fluctuate daily in the market. The final eligible amount per gram also depends on the purity of the pledged gold and the valuation method used at the time of appraisal.

The typical loan value per gram usually ranges between:

• ₹1,755 to ₹2,145

Why the Loan Amount per Gram Keeps Changing

The per-gram loan value is influenced by market conditions and internal bank valuation policies, so it should be considered an estimate rather than a guaranteed figure.

• Gold price fluctuations: Since gold prices change daily, the bank adjusts its valuation rate to match prevailing market conditions.
• Purity-based valuation: Higher purity gold typically receives a better per-gram value compared to lower purity ornaments.
• Net weight calculation: Stones, beads, enamel, and other non-gold components are deducted to determine the net gold weight eligible for valuation.
• Loan-to-value (LTV) norms: The approved loan amount is based on the permitted LTV percentage applied to eligible gold value, not merely the gross ornament weight.
• Branch appraisal process: Operational practices may slightly differ across branches, which can influence appraisal time and final valuation calculations.

Simple Example To Understand Per-Gram Estimation

If your jewellery weighs 40 grams in total, the bank does not simply calculate the loan based on gross weight. During appraisal, stones, beads, or decorative attachments are deducted to arrive at the net eligible gold weight, and the per-gram valuation is then applied on this reduced figure to estimate your loan eligibility.

• For example, if your jewellery’s net eligible weight becomes 38 grams after deduction and the applicable per-gram eligibility rate is ₹2,000, your estimated loan sanction could be around ₹76,000, subject to final appraisal confirmation at the branch.

This example shows why borrowers should understand how purity testing and weight deductions work before expecting a fixed loan amount, helping avoid confusion or disappointment during the actual appraisal process.

Axis Bank Agriculture Gold Loan Interest Rate

Axis Bank also offers agriculture gold loans aimed at supporting farmers and individuals engaged in agricultural and allied activities. These loans are typically used to manage seasonal farming expenses, working capital requirements, and urgent financial needs arising during crop cultivation cycles.

• Must Know: Best Day to Buy Gold Jewellery in India

Axis Bank agriculture gold loan interest rate generally falls within the following range, though final rates depend on scheme selection and borrower profile:

• 9.75% to 17.00% p.a.

The tenure available under agriculture gold loan schemes usually ranges between:

• 6 months to 36 months

How Agriculture Gold Loans Can Help In Real Situations

Agriculture borrowers often choose gold loans because these loans can be processed faster compared to many other credit options, making them useful during urgent farming cycles where immediate funds are required.

• Seasonal expense support: Farmers can use agriculture gold loans to cover essential seasonal expenses such as seed purchase, fertilizer application, irrigation repairs, and crop preparation activities during critical farming periods.
• Cash-flow flexibility: Since agricultural income is often seasonal, these loans help manage cash flow gaps until harvest income becomes available for repayment.
• Lower paperwork burden: Because gold acts as primary security, borrowers usually face fewer documentation requirements compared to unsecured or business loans.
• Emergency expense coverage: Agriculture gold loans help manage unexpected costs like equipment breakdown, urgent labour payments, or crop damage caused by weather conditions.
• Faster disbursal convenience: Many borrowers prefer gold loans since branch appraisal and approval are generally quicker compared to other secured lending options.

Before proceeding, borrowers should confirm the final interest rate, repayment structure, and scheme applicability at the branch because agriculture loan policies can change depending on internal updates.

Axis Bank Gold Loan Eligibility Criteria

Axis Bank gold loan eligibility is relatively simple because the loan is secured against gold jewellery. However, borrowers must still satisfy basic legal, ownership, and identity requirements before approval is granted.

To qualify for a gold loan from Axis Bank, applicants generally need to meet the following eligibility criteria:

• You must be an Indian citizen.
• You should fall within the age range of 18 to 75 years at the time of application.
• You must possess gold jewellery, ornaments, or coins with minimum acceptable purity of 18 carats or above.

Additional Practical Eligibility Points Borrowers Should Know

While eligibility requirements appear straightforward, actual approval may still depend on gold condition, purity outcome, and document readiness during evaluation.

• Gold must meet acceptability norms: Jewellery pledged must meet bank standards regarding purity and structure to ensure safe storage and reliable valuation.
• Purity must be verified through testing: The bank conducts purity tests during appraisal, and ornaments below required purity standards may not qualify for loan sanction.
• Ownership verification matters: Borrowers must be rightful owners of the pledged jewellery, and branches may ask clarifying questions when higher-value gold is offered.
• Non-gold parts reduce eligibility: Jewellery containing heavy stones or attachments results in lower eligible net gold weight, reducing final sanction amount.
• Age eligibility remains mandatory: Applicants must fall within the permitted age bracket at the time of loan application and sanction approval.

Axis Bank Gold Loan Procedure

Applying for a gold loan at Axis Bank is designed to be straightforward. Borrowers can start the process online for convenience or visit a branch directly for quicker in-person evaluation and approval.

Online Mode

• Step 1: Visit the official Axis Bank website and navigate to the Gold Loan section to begin the application with updated product and eligibility information.
• Step 2: Click on “Apply Now” and proceed to the online form while ensuring you are using the official website for safe submission.
• Step 3: Enter personal and contact details, select city and branch location so the request reaches the correct processing team.
• Step 4: Submit the form and securely save the generated reference ID for tracking and follow-up purposes.
• Step 5: A bank representative contacts you to verify details and guide you on next steps and documentation preparation.
• Step 6: After branch appraisal and approval, the loan amount is disbursed into your bank account according to the chosen repayment option.

Online application helps borrowers prepare documents beforehand and reduces branch waiting time during final appraisal visits.

Offline Mode

• Step 1: Visit the nearest Axis Bank branch and request gold loan assistance from branch staff.
• Step 2: Carry gold ornaments along with necessary documents so evaluation and verification can be completed without delays.
• Step 3: Fill the loan application carefully with correct personal and contact details to prevent processing issues.
• Step 4: Submit KYC and address proof documents required for compliance and verification procedures.
• Step 5: Once appraisal and approval are completed, the sanctioned loan amount is credited to your account as per bank policy.

Offline application is often preferred by borrowers seeking immediate guidance and quicker gold testing directly at the branch.

Documents Required for Axis Bank Gold Loan

Borrowers applying for Axis Bank gold loans must submit valid identity and address proofs along with pledged gold ornaments for evaluation and safe custody.

• KYC documents: Acceptable identity proofs include PAN card, Aadhaar card, passport, voter ID, or driving licence for regulatory compliance.
• Proof of address: Aadhaar, utility bills, ration card, or rent agreement confirming current residential address for bank verification.
• Passport-size photographs: Recent photographs are required for loan records and internal documentation.
• Gold ornaments to pledge: Jewellery or coins meeting purity standards must be provided for valuation and collateral security.
• Gold purchase invoice (if available): Purchase bills support easier verification and provide clarity during appraisal.

Practical Tips To Avoid Document-Related Delays

Small preparation steps before visiting the branch can significantly reduce processing time and follow-up requests.

• Carry both original documents and photocopies because originals are verified while copies are retained for bank records.
• Ensure your mobile number linked to the application is active for OTP verification and communication updates.
• Confirm that address proof reflects your current residence, as mismatched details may delay approval.
• Keep extra photographs available since some branches may request additional copies during documentation.
• Bring the purchase invoice if possible, as it may help reduce appraisal clarification requirements.

What Happens During Gold Appraisal at Axis Bank?

Gold appraisal is one of the most crucial steps in the gold loan process. Many borrowers assume that appraisal only involves weighing jewellery, but banks follow a detailed process to ensure accurate valuation and secure lending.

• Gross Weight Measurement: Total jewellery weight is first measured using digital scales at the branch during evaluation.
• Net Gold Weight Calculation: Stones, beads, enamel, and non-gold parts are deducted to determine the eligible gold weight.
• Purity Testing: Testing determines karat level, such as 18K, 20K, or 22K, which directly impacts final valuation.
• Final Loan Value Calculation: The bank applies its per-gram rate and LTV norms to calculate the final sanction amount.
• Secure Storage Procedure: After approval, ornaments are sealed, recorded, and securely stored until loan repayment and closure.

Understanding the appraisal process helps borrowers set realistic expectations and prevents confusion if the sanctioned loan differs from initial estimates.

Axis Bank Gold Loan Processing Fee

Axis Bank charges a processing fee for handling your gold loan application, completing verification checks, preparing documentation, and processing internal approval procedures required before disbursal. Borrowers should understand this fee because it directly impacts the total cost of borrowing, especially when larger loan amounts are involved.

In 2026, the processing fee remains an important component because it is calculated as a percentage of the sanctioned loan amount and is usually charged at the time of loan approval or deducted during disbursal.

Even when interest rates appear affordable, borrowers should include processing fees while calculating the total loan cost to avoid surprises after sanction.

• Processing fee is percentage-based: Axis Bank typically charges 0.50% of the sanctioned loan amount, meaning higher loans result in higher processing charges.
• Fee covers operational and documentation tasks: Charges support application handling, verification procedures, system processing, and internal approval administration.
• GST may apply on processing fee: Borrowers should confirm whether GST is charged additionally on processing fees, as this increases overall upfront cost.
• Fee may be deducted during disbursal: In some cases, the bank deducts processing fees from the sanctioned amount, reducing the net amount credited initially.
• Confirm all charges before signing: Always request a full fee breakup including appraisal and incidental charges before finalising the agreement.

Example calculation:

• If your sanctioned gold loan is ₹2,00,000 and the processing fee is 0.50%, the fee becomes ₹1,000 plus applicable GST, which is separate from interest charges.

Axis Bank Gold Loan Appraiser Charges

Gold appraisal plays a vital role in gold loan approval because the bank must determine accurate purity and net gold weight before sanctioning funds. Axis Bank uses trained appraisers to ensure valuation accuracy and compliance with lending policies.

Although appraisal charges are usually nominal compared to the loan amount, borrowers should still understand them since they form part of upfront processing costs.

• Appraisers evaluate purity and net weight: The appraiser determines gold karat value and deducts non-gold parts to calculate the eligible weight accurately.
• Charges vary across branches: Appraiser fees may differ depending on jewellery type, loan size, and branch practices.
• Professional appraisal ensures fairness: Standardised valuation protects both bank and borrower from incorrect pricing disputes.
• Net weight affects loan eligibility: Jewellery with stones or mixed materials reduces eligible weight and therefore reduces loan amount.
• Ask for appraisal details: Borrowers should request purity and weight details to understand how the loan value was calculated.

While appraisal charges are relatively small, understanding valuation results is far more important for borrowers seeking clarity about sanction amounts.

• You May Also Like: Difference Between Gold Karats: 24K vs 22K vs 18K vs 14K vs 10K Explained

Axis Bank Gold Loan Maximum Limit

The maximum gold loan amount offered by Axis Bank is important for borrowers seeking higher funding against larger quantities of gold. In 2026, the bank allows gold loan amounts up to ₹40,00,000, depending on collateral valuation and internal approval norms.

However, the maximum limit does not mean all borrowers automatically qualify for this amount, since final sanction depends on gold purity, net valuation, and loan-to-value calculations.

• Maximum loan amount reaches ₹40 lakh: Eligible borrowers can access higher funding subject to valuation and policy norms.
• Loan sanction depends on gold value: Approval is restricted to the eligible gold value determined after appraisal.
• Non-gold deductions lower eligibility: Jewellery with attachments reduces net weight and final loan amount eligibility.
• LTV rules cap disbursal percentage: Borrowers receive only a permitted percentage of gold value rather than the entire market value.
• Higher loans may require extra checks: Large loan requests may involve additional compliance and approval procedures before disbursal.

Borrowers planning higher loans should carry complete documents and ensure jewellery has minimal non-gold components for better valuation outcomes.

Axis Bank Gold Loan Interest Rate Calculator

An interest calculator helps borrowers estimate EMI or interest payable based on chosen loan amount and tenure. Axis Bank gold loans support multiple repayment structures, so estimating repayment beforehand helps avoid financial stress.

• Helps estimate monthly EMI: Borrowers can calculate approximate payments using loan amount, tenure, and interest rate inputs.
• Total interest becomes visible: Calculators show total interest cost across tenure, aiding better planning.
• Tenure comparison becomes easier: Borrowers can compare EMI differences between shorter and longer tenures.
• Supports prepayment planning: Estimation tools help understand how early payments reduce interest burden.
• Prevents over-borrowing: EMI visibility helps borrowers choose manageable loan amounts.

Interest payments can be made using Axis Bank NetBanking or mobile banking depending on account linkage and payment setup.

How to Close Gold Loan in Axis Bank?

Closing a gold loan properly ensures safe return of pledged jewellery after full repayment confirmation. Borrowers should always complete closure documentation and collect acknowledgement receipts.

Many borrowers repay outstanding amounts but forget to obtain official closure confirmation, which is important for record purposes.

The closure process involves repayment confirmation and collateral release procedures at the branch.

• Step 1: Visit the branch where the loan was taken and request closure assistance.
• Step 2: Carry loan account details and identity proof for ownership verification.
• Step 3: Request the closure form and confirm outstanding payable amount.
• Step 4: Submit completed closure request with required verification documents.
• Step 5: Pay outstanding dues and obtain repayment receipt.
• Step 6: Collect jewellery, verify item details, and receive closure acknowledgement.

Borrowers should also confirm loan status update in the bank’s system and retain closure receipts safely.

Axis Bank vs Other Banks’ Gold Loan Interest Rates

Comparing gold loan interest rates across banks is important because borrowing costs, processing charges, repayment flexibility, and service experience vary between lenders. While some public sector banks may offer lower starting rates, private sector banks often focus on faster processing and customer convenience. Reviewing multiple options helps borrowers choose the most suitable lender based on their funding urgency and repayment capacity.

The table below provides a general comparison of gold loan interest rates offered by major banks in India in 2026, helping borrowers understand how Axis Bank compares within the market.

Bank Name	Interest Rate (% p.a.)
Axis Bank	9.75% – 17.00%
Punjab National Bank	8.35% onwards
Bank of Baroda	9.00% onwards
HDFC Bank	9.30% – 17.86%
Federal Bank	9.99% onwards
Central Bank of India	8.05% – 8.35%
ICICI Bank	9.15% – 16.75%
Union Bank of India	8.85% – 10.00%
Bank of India	8.60% – 8.75%
Canara Bank	8.90% onwards
State Bank of India (SBI)	8.75% onwards
Indian Overseas Bank	8.20% – 11.60%

How to compare banks correctly:

• Borrowers should compare not only interest rates but also processing fees, appraisal charges, repayment flexibility, prepayment policies, customer support, and overall transparency before choosing a lender.

Axis Bank Gold Loan Customer Care / Contact Number

If you require assistance regarding your Axis Bank gold loan application, repayment schedule, interest clarification, or loan closure support, customer care representatives are available to guide you through the process. Keeping your loan account details ready helps speed up verification and support response.

Axis Bank provides multiple contact numbers for customer convenience, and support is generally available during extended working hours on business days.

• Customer Care Number 1: 1860 419 5555 – Available for general enquiries, repayment assistance, and service-related requests.
• Customer Care Number 2: 1860 500 5555 – Useful for escalation support and branch-specific service assistance.
• Toll-Free Support Number: 1800 103 5577 – Suitable for customers seeking assistance without additional call charges depending on network plans.
• Support Availability: Customer service is usually available between 8:00 AM and 8:00 PM on working days, excluding certain public holidays.
• Keep details ready: Carry your loan account number, application reference ID, and registered mobile number for quicker assistance.

Customer support can help borrowers with repayment queries, outstanding balance checks, closure support, and branch contact guidance.

Final Thoughts

Axis Bank gold loans in 2026 remain a practical financing option for borrowers who need quick liquidity without selling their gold jewellery. With interest rates generally ranging between 9.75% and 17.00% per annum, loan availability up to ₹40 lakh, and a structured appraisal and storage process, the product offers flexibility along with collateral security.

However, borrowers should always confirm final interest rates, applicable charges, repayment methods, and loan terms before signing agreements. Careful planning ensures affordable repayment, smooth loan closure, and safe return of pledged jewellery.

Sell Your Gold with Attica Gold Company

If, instead of taking a loan, you prefer selling unused gold, leading gold buyer Attica Gold Company provides transparent gold evaluation and instant payment services. Customers receive live market pricing and professional testing, ensuring fair value for jewellery, coins, or scrap gold items.

The process is designed to be quick, professional, and hassle-free for customers seeking immediate liquidity without repayment obligations.

Ready to sell your gold at competitive prices? Contact us today for instant evaluation and payment support.

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