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Unsecured Business Loans
Axis Bank Ltd, headquartered in Mumbai, is one of India’s leading private sector banks, trusted for strong digital banking, MSME-focused lending solutions, transparent pricing, and nationwide presence.
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🏦 Axis Bank Ltd Unsecured Business Loan – Fast Business Funding Without Collateral
Axis Bank Unsecured Business Loan is a collateral-free loan given based on your income, cash flow, and credit score. You don’t need property or assets, making it perfect for quick expansion and working capital needs.
📊 Axis Bank Unsecured Business Loan – Types & Features
Check all types, interest rates, loan amount, tenure and processing fees for Axis Bank Unsecured Business Loan.
📋 Loan Types & Key Details
| Loan Type | Interest Rate* | Loan Amount | Maximum Tenure | Processing Fee |
|---|---|---|---|---|
| MSME Business Loan | From ~11.50% p.a. | ₹50,000 – ₹50 Lakhs | Up to 48 months | Up to 2.5% + GST |
| Working Capital Loan | Profile-based | Up to ₹40 Lakhs | Up to 36 months | As applicable |
| Professional Business Loan | Risk-based | Up to ₹75 Lakhs | Up to 48 months | Up to 2% + GST |
| Small Business Loan | Customised | ₹50,000 – ₹30 Lakhs | Up to 36 months | As per offer |
*Interest rates vary based on CIBIL score, income consistency, and business profile.
💡 PoketCare Pro Tip
Axis Bank prefers clean banking history with fewer cash withdrawals—PoketCare flags this before applying.
🎯 Purpose of Axis Bank Unsecured Business Loan & Ideal Borrowers
Know how Axis Bank Unsecured Business Loan can be used and who can apply.
✅ Permitted Uses
- Working capital & vendor payments 💸
- Business expansion or renovation 🏢
- Machinery & equipment purchase ⚙️
- Marketing & digital advertising 📢
- Emergency business expenses 🚨
👥 Ideal Borrowers
- Applicant: Business owner / professional aged 21–65
- Co-Applicant: Spouse or business partner (income clubbing allowed)
💡 PoketCare Pro Tip
Adding a co-applicant with stable income often reduces EMI pressure and improves approval chances.
🛡️ Insurance Recommendation – Secure Your EMIs
Recommended insurance plans to protect Axis Bank Unsecured Business Loan EMIs.
🔐 Suggested Insurance Plans
- Axis Max Life Credit Protect
- ICICI Lombard Loan Protection Insurance
Why Insurance Matters:
- EMI protection during illness or accident
- Business continuity assurance
- Financial safety for family 👨👩👧
💡 PoketCare Pro Tip
Loan insurance usually costs less than one EMI but protects the entire loan tenure.
✅ Eligibility Criteria – Axis Bank Unsecured Business Loan
Check Axis Bank Business Loan eligibility, minimum income, CIBIL score and income-clubbing options.
📌 Basic Eligibility
- Indian resident
- Minimum business vintage: 2–3 years
- CIBIL Score: 650+ preferred
- Active current or savings account
💰 Minimum Income Requirement
- Self-Employed: ₹1.5–2 Lakhs average monthly bank credit
- Professionals: ₹2 Lakhs+ monthly gross receipts
➕ Other Income Considered
- Rental income
- Partner/shareholder income
- Secondary business income
- Spouse income (case-specific)
💡 PoketCare Pro Tip
Many profiles fail due to income under-reporting. PoketCare structures income smartly without misrepresentation.
📑 Documents Checklist – Simple & Clear
Complete document list for Axis Bank Unsecured Business Loan applicants.
🧾 Salaried (Sometimes Applicable)
- PAN & Aadhaar
- Last 6 months bank statements
- Recent salary slips
- Address proof
🧾 Self-Employed / Business Owners
- PAN & Aadhaar
- Business proof (GST / Shop Act / License)
- Last 6–12 months bank statements
- ITR (2–3 years)
- Financials (if available)
💡 PoketCare Pro Tip
Strong bank credits can compensate even if ITR income looks modest.
💸 All Charges – Pre & Post Disbursement
Understand all charges involved before and after Axis Bank Unsecured Business Loan disbursement.
| Charge Type | Details |
|---|---|
| Processing Fee | Up to 2.5% + GST |
| Documentation Charges | Nil / Included |
| Foreclosure Charges | 2–5% (as per tenure) |
| Part-Payment Charges | As per loan terms |
| EMI Bounce Charges | ₹450–₹750 |
| Late Payment Penalty | As per bank policy |
| GST | Applicable as per law |
💡 PoketCare Pro Tip
We explain foreclosure and part-payment rules before disbursal, not after.
🌟 Benefits of Axis Bank Ltd Unsecured Business Loan via PoketCare
Exclusive benefits of applying Axis Bank Business Loan through PoketCare.
- ⚡ Faster approvals with AI-based matching
- 📉 Competitive interest rates
- 📞 Free expert assistance till disbursal
- 📄 Paperless & digital process
- 🔍 Transparent lender comparison
- 🎯 Higher approval success rate
💡 PoketCare Pro Tip
Multiple self-applications reduce your CIBIL score. PoketCare applies only where approval probability is high.
🔗 Useful Full Links for Business Loan Borrowers
- Axis Bank Official Website:
- https://www.axisbank.com
- PoketCare Business Loan Page:
- https://www.poketcare.com/business-loan
- EMI Calculator:
- https://www.poketcare.com/emi-calculator
- Free CIBIL Score Check:
- https://www.poketcare.com/cibil-score
🏁 Conclusion – Fund Your Business the Smart Way
An Axis Bank Ltd Unsecured Business Loan is ideal for entrepreneurs who want quick, collateral-free funding with bank-level trust. With PoketCare, you get expert guidance, better-matched offers, and complete transparency—without harming your credit score.
👉 Apply once. Compare wisely. Grow confidently with PoketCare. 🚀