3.

3 AXIS BANK
1) Savings account
Easy access Savings account
The Easy Access Savings Account is the right ally for those customers who are at the beginning
of savings journey. This account allows unparalleled access to money, and makes tracking
account activity really easy.
4% rate of interest on daily balances, paid quarterly.
Low minimum opening deposit of Rs.10,000 in metros.
Access to over 11,500 Axis Bank ATMs and 2300 Axis Bank branches free of cost
Internet and Mobile Banking access (on all mobile phones).
5 free transactions at other bank ATMs per month
Low Average Monthly Balance requirement of Rs.10,000 in metros.
High withdrawal limit of Rs.40,000 at ATMs and shopping transactions limit of
Rs.100,000 daily.

Prime Savings account
The Prime Savings Account is the account for customers if they want extras on their account.
This account comes with enhanced access and higher transaction limits.

4% rate of interest on daily balances, paid quarterly. Minimum opening deposit of
Rs.25,000 in metros
Access to over 11,500 Axis Bank ATMs and 2300 Axis Bank branches free of cost
Internet and Mobile Banking access (on all mobile phones).
Enhanced withdrawal limits of Rs.50,000 at ATMs and shopping transactions of
Rs.100,000 daily
Higher ATM transaction limits of 10 free transactions at other bank ATMs per month
Higher Cash transaction limits
eDGE Loyalty Rewards Program
Presenting eDGE Loyalty Rewards the bank wide loyalty program where customers can
earn points on their Savings Account transactions like:
Registering for e-statement
Ordering a cheque book online or through an ATM
Registering and paying bills using internet banking and many more
Thats not all, customers can also earn points on spending with their Debit / Credit
Card as well.

Future star savings account
The Future Stars Savings account is an account designed specifically for children below the age
of 18.This account is perfect if parents want a safe and easy way to start saving for their child. If
is also useful if they want to introduce their child to the basic principles of money management.
(This account will be operated by a guardian and the Cheque book and ATM card will be issued
in the guardians name if the child is below 12 years of age)
Low minimum opening deposit of Rs.2,500 in metros
Automated money transfer facility for transfer of funds from Parents account to childs
account on a monthly/weekly basis
Unlimited free transactions at Axis Bank ATMs and 5 free transactions at other bank
ATMs per month
Free SMS Alerts, Monthly e-statements/quarterly physical statements and Internet
Banking Facility
Benefits
Low Average Monthly Balance requirement of Rs.2,500 in metros.
Free ATM card for children below 12 years with a daily withdrawal limit of Rs.1,500
Visa Classic Debit Card at a nominal fee of Rs.150 for issuance and Rs.150 annually
thereafter in metro and urban locations

Prime plus saving account
Add Plus to the banking with the Prime Plus Savings Account. Avail high transaction
limts at the branch plus added entertainment and reward benefits
4% rate of interest on daily balances.
Minimum opening deposit of Rs.1,00,000 across all locations
Access to over 11,500 Axis Bank ATMs and 2300 Axis Bank branches free of cost
Internet and Mobile Banking access (on all mobile phones).
Higher transaction limits at branch - 20 transactions every month at any Axis Bank
branch at no charge (Transactions include Cash Deposit/Withdrawals and Demand
Draft /Pay Order requests)
Entertainment Benefits - 10% cash back on movie ticket bookings
Relationship Benefits Flexibility of maintaining a Average Monthly Balance
(AMB) of Rs. 1 lakh in the Savings account or a Total Relationship Value (TRV) of
Rs. 5 lakhs across Savings Account and Fixed Deposits (minimum tenure of 6
months)
Preferential pricing benefit on lockers 25% discount on 1st year locker rent
Power Packed Debit Card - High daily withdrawal limts, insurance & price discounts

Women savings account
The Womens Savings Account is perfect for the modern woman who is financially independent.
This account allows women to save easily, transact easily, gives you unparalleled access to their
money, and makes tracking your account activity really easy.
4% rate of interest on daily balances, paid .
Low minimum opening deposit of Rs.10,000 in metros.
Access to over 11,500 Axis Bank ATMs and 2300 Axis Bank branches free of cost
Internet and Mobile Banking access (on all mobile phones).
5 free transactions at other bank ATMs per month
Low Average Monthly Balance requirement of Rs. 10,000 in metros.
High withdrawal limits of Rs.40,000 at ATMs and shopping transactions of
Rs.100,000 daily

Senior privilege savings account
The Senior Privilege Savings Account is designed to help senior citizens make the most of this
new phase of life. Enjoy the Senior life with a host of special benefits like:
Preferential treatment at our branches
Get attended on priority at all our branches enabled with Queue Management Systems
Just identify yourself as a Senior and you will be moved up the queue
Special bill payment facility at our branches
Pay all your bills at any Axis Bank branch with a simple one time registration.
Choose to register from any of 146 billers across 7 categories (electricity, gas,
telephone, etc.)
Post registration, you will receive an SMS each time a new bill is generated. The
biller will be paid automatically every month from your account.
20-60% discount on health check-ups at over 600 diagnostic centres
Avail discounts at over 600 partner diagnostic centres and hospitals across the
country.
Book your appointment by simply calling partners helpline at(1800-267-6060)
A special Seniors ID card for emergency use.
Flash it at the branches to get priority treatment.
Flash it at the partner healthcare centres to avail of discounts.


Pension savings account
The Pension Savings account is is specifically, designed for Pensioner's (Existing & Prospective)
of Central Govt. Civil Ministries/ Departments & Defence Ministry keeping in mind the fact that
a Pensioner's banking requirements are wholly different and require special consideration.
Earn 4% interest on daily balances, paid quarterly into the account
Disbursement of Central Civil Pension (RBI and Central Pension Accounting Office
(CPAO and EPFO authorized)
Communication on receipt of the PPO
Free SMS Alerts, Monthly e-statements/quarterly physical statements and Internet
Banking Facility
Benefits
No average quarterly balance requirement
Bank Anywhere Account can be operated at any branch in the country
High withdrawal limits of Rs.40,000 at ATMs and shopping transactions of
Rs.100,000 daily


Trust/NGO savings account
Axis Bank's Trust Account is an effort to offer thoughtful banking for people who spend their
lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies,
Government Bodies, Section 25 companies and NGOs, so that the organisations can devote all of
their time to their noble motivations.
A Savings Account for customers Trust with Average Quarterly Balance (AQB) of Rs.
25,000
A multi-city at-par cheque facility with no limit on clearing payments at centers across
the country wherever banks are present.
Free Anywhere Banking across all the Branches and Extension Counters and over all our
ATMs.
Free Demand Drafts or Pay Orders as and when required by customer to remit funds.
Free collection of cheques at outstation locations.
Free monthly e-statement
Monthly Statement of Account delivered at doorstep.
Facility for collecting donations in the respective accounts through banks network of
Branches and Extension Counters across the country, as well as through iConnect -
Internet Banking facility.
Also, Axis Bank can offer the facility to donate funds to the Trust through banks Internet
Banking facility iConnect to its customers. An Axis Bank customer can donate any
amount to the Trust through the Internet.
In such cases, the savings account of the customer gets debited and the savings account of
the Trust gets credited with the amount of donation at the same time. At the end of every
month, the Bank will provide an MIS giving details of the amount of donations and the
name of donor. This will enable the Trust to issue receipts to the donors.
Free Internet Banking facility that enables to view the status of the account, transfer
funds and carry out a number of banking activities from the comfort of home or office.
.
3 in 1 online investment account
Identifying the best investment opportunities in unpredictable markets can be challenging. At
least the investment portal should be easy.
That's why Axis bank brings an easy-to-use investment portal, www.axisdirect.in. This portal
allows people to invest in Equity, Mutual Fund, IPO, NCDs, Mutual fund and Equity SIP. Its
intelligent and intuitive features keep all necessary information handy so that customersa don't
have to painstakingly browse multiple windows. Its sharp research and analysis tools help them
take well-informed and timely decisions. Experience simplified online investing with
AxisDirect.
Bank provide solutions to suit different investment needs and approaches. So whether a pertson
is a beginner, an avid investor or trader, he gets customised solutions, which match specific
needs.
Beginners
Beginners are new to the online trading or don't understand all the stock market jargon, then
AxisDirect is 'the destination' for them . Its online training programs, unique & intuitive features
and simplified content helps beginners understand the basics of the stock market, the research
products and helps them confidently trade online, even with as little as Rs. 1,000.
I nvestors
An independent investor will have access to all the research and trading facilities to execute his
trades at the click of a button. As, a trader could be anywhere, anytime and still manage to place
his trades through the internet or by using 'Trade on Phone facility' provided by the Bank.
Traders
Trading is an art that is mastered with experience and a lot of discipline. A trader cannot afford
to miss out on real time opportunities that present themselves in the market hours. He can
simplify as well as customise his trading experience using any of Banks two unique Online
Trading Platforms EXE and Applet based, depending on his trading needs.

Key Features:
Single account for investing in Equity, Derivatives, Mutual Fund, IPO, NCDs and Bonds, SIPs
(Equity & Mutual Fund), Company Fixed Deposits and ETFs.
Single platform for multiple exchanges BSE & NSE (Cash & F&O)
Market Watch available on Single Screen
Multiple Charts with Tick by Tick Intraday and charting powered with various Studies
Customer can save his own defined screen as well as graph template
User-defined alert settings for Stock Price trigger
Shortcut key for swift access to order placements & reports

Insurance agent account
The Insurance Agents Savings Account is the first of its kind, an account specially
crafted for professionals functioning as Insurance Agents.
4% rate of interest on daily balances, paid quarterly.
Concessional minimum opening deposit of Rs.5,000 in metros^
Access to over 11,500 Axis Bank ATMs and 2300 Axis Bank branches free of cost
Internet and Mobile Banking access (on all mobile phones).
5 free transactions at other bank ATMs per month
Low Average Monthly Balance requirement of Rs.5,000 in metros.
High withdrawal limits of Rs.40,000 at ATMs and shopping transactions of Rs.100,000
daily

Youth account
With a superloaded debit card that gets ythe customers amazing discounts & deals, and a
supercool mobile app that helps them manage your money their way, it's not just a bank account
it's a power account.

GTG: Go To Gallery and design the card. Youth can customise their debit card by
choosing designs from the image gallery or uploading their own through Banks facebook
app.
TTYL: Top-up & Talk To the Loved ones by recharging prepaid phone with the
YOUTH App.
WTF: Whoever Transfers Funds needs to know only the mobile number.
OMG: Online Money Gets pulled from parent's account.
Basic savings account
The Basic Savings Account comes with a host of features that help customers to save and
transact easily
4% rate of interest on daily balances, paid quarterly
Access to over 12,000 Axis Bank ATMs and 2200 Axis Bank branches free of cost
The account comes with a free Debit card with a daily withdrawal limit of Rs 40,000
4 Free Cash Withdrawal transactions per month (includes Branch cash withdrawal &
ATM cash withdrawal at Axis/Other Bank ATMs)
Benefits
Zero Balance Facility i.e. No minimum Balance requirement
Internet, Mobile & Phone Banking facility
SMS Alerts, Quarterly statements to track account activity

Small savings account
The Small Savings Account is an account to get started with. Customers can avail of basic
banking services with this account, and experience banking in an easy and hassle-free manner.
Free Debit Card with a daily withdrawal limit of Rs 40,000
No minimum balance requirement
Easy to monitor account activity - Free monthly e-statements OR quarterly physical
statements and
SMS alerts
Convenient access to money Access to 11,500+ Axis Bank ATMs and over 2300+ Axis
bank branches
5 free branch cash deposit/withdrawal transactions per month across any Axis Bank
branch (up to a value of Rs 1 lakh per year)
Unlimited Free Axis ATM transactions and 5 Free other bank ATM transactions per
month
4% rate of interest on daily balances, paid quarterly


2) CURRENT ACCOUNT
Resident Foreign Currency (Domestic) Account
Holding foreign currency is no longer restricted to the NRIs. For the first time Reserve Bank of
India has allowed Resident Indians to maintain foreign currency accounts without any ceiling to
it. This step is considered as a continuation of RBIs gradual endeavor towards achieving 'Full
Capital Convertibility'.

The Product Offerings
A Resident Foreign Currency (Domestic) Account, RFC(D), with Axis Bank entitles you to
maintain non-interest bearing current account in four major currencies (USD, EURO, GBP and
Japanese Yen). There will be no ceiling on the balances held in the account. Chequebooks
denominated in USD or GBP or EURO or Yen will be issued on these accounts with 25 leaves.
The cheques thereby branded as RFC (Domestic) Account will not be presented in clearing and
will be payable only at the issuing branch.
The min balance for such a current account will be USD 100 or GBP 60 or EURO 100 or Yen
20,000. There will be a penal charge of USD 5 or GBP 3 or EURO 5 or Japanese Yen 1,000 per
quarter in case of failure to maintain the min balance requirements.
The RFC(D) account holders will not be allowed any ATM facility as of now. However they can
use 'iConnect' for enquiry purposes only.
Benefits
A RFC(D) account with Axis Bank entitles a hassle free and safe avenue to park foreign
currency. It will also save of commission charges; otherwise customer would have to pay
whenever they require foreign currency. The account facilitates payments for foreign travel
expenses, medical treatment abroad, gifts upto $ 5,000 or equivalent, education and purchase of
books directly through the Internet. Moreover the ceiling less nature of this account entitles the
customer to hold any amount of funds as against USD 2,000, which was the maximum limit to
foreign exchange holdings by Resident Indians
In recent times, investors have witnessed a lot of turmoil in the Forex markets. The fluctuations
in the Rupee-Dollar rates have always been a cause of worry for frequent travelers and business
class. A RFC(D) account with Axis Bank keeps your foreign currency insulated from adversities
of Rupee depreciation.

3) DEPOSITS
Fixed deposits
Axis Bank offers multitudes of fixed deposit schemes for various durations. It offers simple
reinvestment Fixed Deposits (at very competitive interest rates), which can be opened with a
minimum investment of Rs 10,000. Customers can make additions to their deposit in multiples of
Re 1 thereafter. The tenure of fixed term deposit must be a minimum of 6 months.

Fixed Deposit Schemes :

Reinvestment deposits
In a reinvestment fixed deposit scheme, the interest accrued on the deposit at the end of each
quarter is invested along with the principal. The tenure of the deposit must be a minimum of 6
months. At the end of the quarter, the interest and the principal are both rolled over, and the
interest is calculated on the total sum net of Tax Deducted at Source (TDS)

Automatic rollover
A Fixed Deposit holder can avail of the facility for automatic rollovers on maturity (for both the
principal and interest). He can select this option in the Account Opening Document (AOD). The
options available are:
Rollover Principal and Interest accrued in Reinvestment Deposit scheme:
This will rollover both the deposit and the interest accrued for the same tenure at
the Interest Rates applicable on the maturity date.

On or before the maturity date, customers can make the following changes in the rollover
instructions of the deposit:
Change in tenure
Change in maturity instructions
Change in payment instructions
Change in principal (only reduced amount)
Change rollover of Principal to rollover of Principal + Interest, or vice versa.

Withdrawals of Fixed Deposits
All encashment or withdrawals of Fixed Deposits can only be made at the branch where
the deposit was booked.

Method of calculation of interest rates on your fixed deposits
For fixed deposits with tenure of 6 months & above, interest is calculated on a quarterly
basis.
Interest earned during the previous quarter is added to the Principal for calculation of
interest. Fixed deposit interest rate on this amount is calculated every quarter.
For fixed deposits schemes with tenure of below 6 months, interest is calculated at
Simple Interest. The period of Fixed Deposit is considered in number of days.
In the event the depositor chooses to receive the periodic interest payments on a quarterly
basis, interested is calculated and paid on quarterly rests.

Features
Two schemes TDGRI (Reinvestment Type) and TDGQI (Quarterly Interest Type).
Minimum and Maximum Deposit Amount: The minimum deposit amount will be INR
100 or multiples thereof and maximum deposit amount will be INR 100,000
Lock-in-Period: Since there is an underlying tax advantage u/s 80C of IT Act, there
would be a lock in period of at least 5 years on the FD under this scheme.
Type of deposit: Two types of deposits are to be offered under the scheme, one providing
for quarterly compounding/reinvestment of interest (RIC scheme) and the other providing
for quarterly payout of Interest (QIC scheme) to the designated operative account of the
depositor.
Premature closure of Fixed Deposits:. A minimum lock in period of 5 years is stipulated
to enable the deposit to be assessed as exempt from taxable income u/s 80C of the IT Act.
The maturity period of a term deposit receipt of any denomination shall be five years
commencing from the date of the receipt.
No term deposit shall be en-cashed before the expiry of five years from the date of its
receipt
Fixed Deposit Receipt: As per the scheme notification, tax benefits under this scheme are
to be claimed through the Fixed Deposit receipt issued by the Bank.
Tax Deducted at Source: Fixed Deposits with the bank shall be subject to Tax Deduction
at source as per Income Tax Act 1961.
o Interest on these term deposits shall be liable to tax under the Act, on the basis of
annual accrual or receipt, depending upon the method of accounting followed by
the assessee.
o The tax on such interest shall be deducted in accordance with the provisions of
section 194A or section 195 of the Act.

Recurring deposit
Axis Bank's Recurring Deposit scheme will give an opportunity to build up savings through
regular monthly deposits of fixed sum over a fixed period of time.

Recurring deposits are accepted in equal monthly installments of minimum Rs 1,000 and
above in multiples of Rs 500 thereafter.
Recurring Deposit accounts can be opened for a minimum period of 12 months and in
multiples of 12 months thereafter, upto a maximum of 120 months.
The amount of installment once fixed, cannot be changed.
Installment for any calendar month is to be paid on or before the last working day of the
month. Where there is delay in payment of installment, one can regularise the account by
paying the defaulted installment together with a penalty (at present it is @ PLR plus 4 %
for the period of delay).Fraction of a month will be treated as full month for the purpose
of calculating the penalty.
The total amount repayable to a depositor, inclusive of interest, depends on the amount of
monthly installments and the period of deposit.

Encash 24 flexi deposit
The Encash 24 (Flexi Deposit) gives the liquidity of a Savings Account coupled with high
earnings of a Fixed Deposit. This is achieved by creating a Fixed Deposit linked to Savings
Account providing the following unique facilities:
Maximum Returns:
Customers money is no longer idle. As soon as the balance in the Savings Account crosses over
Rs 25,000, the excess, in multiples of Rs 5,000 will be transferred automatically to a higher
interest earning Fixed Deposit Account. The maturity of fixed or term deposits formed as a result
of transfer of money from the Savings Bank account will be for a minimum period 6 months
upto a maximum of 5 years.
Maximum Liquidity:
The money parked in Fixed Deposits as a result of the above mentioned sweep out from Savings
account can be easily accessed by issuing a cheque, withdrawing through ATM etc. This amount
is automatically reverse swept from the most recently formed Fixed Deposit in units of Rs 5,000
to the Savings account whenever the balance in the Savings account falls below Rs 25,000. The
amount broken from Fixed Deposit will earn interest rates at the applicable rate for the period
that the deposit was held with the Bank. The remaining amount of Fixed Deposit will continue to
earn the contracted rate of interest.

Auto Renewal:
The tenure for the Encash 24 scheme can be flexible for a minimum period 6 months upto a
maximum of 5 years.
Premature Encashment:
For Rupee Term Deposits of a contracted amount less than Rs 5 Crores opened/renewed on or
after May 1, 2014 (including Flexi deposits), interest rate shall be 1.00% below the card rate,
prevailing as on the date of deposit, as applicable for the period the deposit has remained with
the bank or 1.00% below the contracted rate, whichever is lower. However, for Rupee Term
Deposits closed within 14 days from the date of booking of the deposit interest rate shall be rate
applicable for the period the deposit has remained with the bank or the contracted rate,
whichever is lower.

4) LOANS
HOME LOANS
Axis Bank offers affordable and flexible housing loans that can turn the dream of owning a home
into reality.
The attractive interest rates and minimal processing fees makes the home finance products a first
choice for savvy buyers. In addition, features such as flexible tenures, transparent processing and
quick service have made the products stand out among the best home loans in India.
Axis bank have products to suit every budget, taste and need. Whether an individual is self-
employed or salaried, want a floating or fixed rate, Axis Bank will offer a loan that is just right
for him.
Features of Axis Bank Home Loans
Axis Bank housing loans are designed for todays home-hunter. Easy home loans are rich in
features and offer a number of benefits.
Attractive housing finance rates: Bank offer attractive interest rates that make housing loans
affordable and easier on the pocket every month.
Flexible rates: Choose between fixed and floating rate options depending on which way
customers think interest rates are moving.
Balance transfer facility: If Not satisfied with existing Home Loan provider, customer can
transfer their Home Loan to Axis bank without any hassles.
Doorstep service: Customers don't have to go the bank for Home Loans; the bank will come
to their doorstep. Perfect for those leading busy lives.

Happy ending home loans
Under this scheme, customer can avail a Home loan for purchasing an under construction/ ready/
resale house self-construction, plot plus construction loans. Other advantages include:
Last 12 EMIs waived off: Now get your last 12 EMIs waived off at no extra cost by paying
EMIs regularly. Just make sure that the repayment track record is clean, i.e., only 3 instances
where dues are pending for 30 days and above but never over 90 days during the life of the
loan. The minimum tenure at the time of disbursement needs to be 20 years. Customer can
also part pay his loan, as long as the loan tenure does not fall below 180 months.
No hidden charges: This benefit comes at no extra cost.
Standard interest rates apply: Avail and enjoy standard interest rates on Happy Ending Home
Loan.
Balance transfer facility: Transfer the Home Loan to Axis bank without any hassles.
Doorstep service: The bank comes to the doorstep for your Home Loans.
Nil prepayment charges: Pay off the housing loan early without worrying about the
prepayment charges. However, the extent of part payment should be such that the tenure does
not fall below 15 years
Quick and transparent processing: Get the Home Loan much before expectation.

Empower Home loans
Axis Bank strive to offer products and services, tailored exclusively for people. That is why;
Axis bank have come up with Empower Home Loans for Self-employed wherein customers get
instant loans on the basis of their good banking track. In addition, they get 3 assured rate
reductions on maintaining a good repayment track with Axis bank for 24, 36 and 60 months from
the date of first disbursement for availing the 1st, 2nd and 3rd rate reduction respectively.
Under this Product, customer can avail a Home loan for purchasing an under
construction/ready/resale house/self-construction, plot plus construction or Home extension
& improvement loans
3 Assured rate reductions upon maintaining a good repayment track.
Attractive housing finance rates: Axis bank offer attractive interest rates to make the housing
loans affordable and easier on customers pocket every month.
Balance transfer facility: If Not satisfied with existing Home Loan provider, Transfer the
Home Loan to Axis bank in a hassle-free manner.
Doorstep service: You don't have to go to the bank for Home Loans; the bank will come to
your doorstep. Perfect for those leading busy lives.
Nil prepayment charges: You can do that at Axis Bank without worrying about prepayment
charges.
Quick and transparent processing

Asha home loan
Buying the first home is always special. Axis bank understand what Home loan needs are and
hence we Bank have a tailor made Home loan product specifically for customer to fulfil their
dream of owning a home.
Under Asha Home loans, customer can avail a Home loan up to Rs 25 lakhs.
Loan for the purpose of buying a home or constructing own house: Home Loans for
purchasing a ready, under construction or a resale property. Bank also extend loans if
customers wish to purchase a plot and construct a house thereon or a loan for
constructing a house on a plot already owned by them.
Loan Tenure up to 30 years giving a higher eligibility.
Loan amount up to 90% of the property value: For loans up to Rs 20 lakhs, customers
need to just pay 10% of the property value and bank shall fund the remaining 90%.
Loans for home, big or small: A home is never small. Get Home Loans for properties
starting from 325 (saleable) sqft area.
Attractive Interest Rates: Axis bank offers Home Loans at very attractive interest rates so
that Home Loan doesnt feel like a burden.
Customised products giving a better eligibility based on customers banking behaviour.
Widespread: Choose from Banks large base of approved projects across the country.

CAR loans

Axis Bank offers uniquely tailored Car Loan products that take the pain and hassle out of buying
a car. Flexible, transparent, quick, and cost-effective, our Car Loans put the joy back into owning
a car.
Axis Bank realize that owning a car has increasingly become a necessity. But it also realize that
the price tag of the dream car may be just outside an inddividuals immediate grasp. Axis Bank's
Auto Loans are just what is needed to bridge the gap.
Car Loan value calculated on ex-showroom price of the vehicle
Attractive interest rates on Car Loans
LTV up to 95% of the ex-showroom price on select models
Auto loans available for salaried and self-employed individuals, proprietorships, HUF,
Partnership firms, Limited Liability Partnership Firms, Trusts, Societies and Companies
Banking surrogate schemes available.
Loans offered from Rs. 1 Lakh onward.
Car Loans tenure from 1 year to 7 years.
Calculate the monthly outgo with the banks Car Loan EMI Calculator.
Special benefit available for Priority Banking, Wealth Banking and Privee banking
customers.
Special Surrogate Scheme available for Club 50 and Channel One Current Account
customers
Special Scheme for Axis Bank Salary A/C customers

Commercial vehicle and construction equipment loan:
Axis Bank offers loan for purchase of new Commercial Vehicle & Construction Equipment
products. The loan is provided on wide range of Commercial Vehicle & Construction Equipment
products manufactured by various big and small manufacturers.
Axis Bank understand the need of the customer and provide him with tailor made Commercial
Vehicle & Construction Equipment loans which suits him best so that he can grow his/her
business without losing his time and efforts in arranging right kind of finance facility. Bank also
realize that the price tag of your Commercial Vehicle & Construction Equipment may be just
outside the immediate grasp and Axis Bank's Commercial Vehicle & Construction Equipment
Loans are just what you need to bridge the gap.

Attractive interest rates on Commercial Vehicle & Construction Equipment Loans.
LTV up to 100%
CV/CE loans available for self-employed individuals, proprietorships & partnership
firms,Pvt Ltd & Ltd companies, and also for Registered Trust & Societies.
Commercial Vehicle & Construction Equipment Loans tenure from 1 year to 5 years

Education Loan
Axis Bank's Education Loan aims to provide the much needed financial support to deserving
students for pursuing higher professional or technical education in India and abroad. The
education loan would be provided to those students who have obtained admission to career-
oriented courses e.g. medicine, engineering, management etc., either at the graduate or post-
graduate level.
Quantum of Loan
The quantum of finance under the scheme is capped at Rs 10.00 lacs for studies in India and Rs
20.00 lacs for studies abroad, which would cover tuition fees, hostel charges (if any), cost of
books, etc. The minimum amount of education loan would be Rs 50,000.
Margin
No margin for education loans upto Rs 4 lacs. For loans above Rs 4 lacs, 5% margin for studies
within India and 15% for higher studies overseas.

Role of the Guardian:
The parent(s) or guardian of the student would be treated as a co-applicant of the student loan.
His or her role would be, necessarily, like the primary debtor.

Security
Third party guarantee and/or collateral security may be asked for in appropriate cases.
Additional Security:
Assignment of LIC policy in favour of the Bank for the sum assured being at least 100% of the
education loan amount. The policy is kept alive during the currency of the education loan. To
ensure this, the annual premium may be included in the computation of the loan requirement,
along with the tuition fees and other recurring charges. Further, the future income of the student
needs to be assigned in favour of the Bank for meeting the installment obligations.

Disbursement:
The student loan will be disbursed in full or in suitable installments taking into account the
requirement of funds and/or fee schedule as assessed by the Bank directly to the educational
institution or vendor of books or equipment or instruments.

Personal loans
Be it a dream vacation, child's education, home renovation or wedding in the family, customers
can instantly fulfill their aspirations with Axis Bank Personal Loans.
Loans available for salaried individuals
Loans are available from Rs 1 lac to Rs 15 lacs
Repayment tenures from 12 to 60 months
Best in Class Rate of Interest
Loans at higher rates can be transferred to Axis Bank with their Balance transfer facility.
Simplified documentation.
Simple procedure, minimal documentation and quick approval

Loan against gold
Loan Against Gold Ornaments
Same Day Loan Disbursement
Safety of Gold at our bank vaults

Loan against security
Unlock financial assets
Facility in the form of overdraft against list of approved securities
Facility upto 75% of security value
Interest charged on actual amount utilized