Axis Bank की नवीनतम ब्याज दरें - September 2026

Axis Bank Interest Rates & Retail Lending Schemes Overview

Quick Overview: Current official deposit interest rates and retail lending schemes from Axis Bank (AXIS):

Key Deposit & Lending Highlights:

• Savings Deposit: Base savings account interest rate stands at 3.00% p.a. on balances up to ₹50 Lakh (scaling to 3.50% p.a. on balances from ₹50 Lakh up to ₹2,000 Crore).
• Retail Domestic Term Deposits (FD): General 1-Year FD interest rate stands at 6.25% p.a. (Senior citizens receive an additional +0.50% to +0.60% reaching 6.75% – 6.85% p.a.). Peak tenures (15 months to 2 years) offer up to 6.45% p.a. for general depositors (7.10% p.a. for senior citizens).
• Home Loans (Housing Finance): Floating interest rates start from 8.00% p.a. linked to Axis Bank's Repo Linked Lending Rate (RLLR), featuring repayment tenures up to 30 years and zero prepayment penalties.
• Vehicle & Personal Loans: New car loan financing rates start from 8.45% – 8.75% p.a. with tenures up to 7 years. Unsecured instant personal loans start from 9.99% p.a. on a reducing balance basis.
• Credit Cards: Standard retail revolving finance charge is 3.60% per month (43.20% annualized; select cards like Burgundy Private offer lower rates) with an interest-free credit grace period of up to 50 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750 or higher unlocks Axis Bank's lowest risk-spread tier over RLLR for housing and auto finance, alongside waivers on digital processing fees.