Interest Rate Comparison
Current rates from both banks.
- SBI: 10.85% - 14.50% p.a.
- Axis Bank: 10.49% - 16.00% p.a.
- Winner: Axis Bank (lower starting rate), SBI (lower maximum)
Loan Comparison
SBI vs Axis Bank Personal Loan: Complete 2026 Comparison
Choosing between India's largest public sector bank (SBI) and a leading private bank (Axis)? Here's a detailed comparison.
Danish MirzaFounder, Unyfy14 years in Indian banking and fintech
Processing Speed
How fast you get your loan.
- SBI: 3-7 working days
- Axis Bank: 24-48 hours
- Winner: Axis Bank
Special Features
Unique offerings from each bank.
- SBI: Up to 7-year tenure, lower rates for govt employees
- Axis Bank: 100% digital, instant in-principle approval
Choose SBI for longer tenure and stability, Axis for speed. Apply through Unyfy for both.
Free Tool
Personal Loan EMI Calculator
Calculate your personal loan EMI instantly. Enter your loan amount, interest rate, and tenure to see your monthly payment and total interest.
₹
₹ Ten Lakh Only
₹1 Lakh₹2 Crore
%
8%20%
12 Months60 Months
Your Monthly EMI
₹32,385
for 36 months at 10.25% p.a.
Principal
₹10,00,000
Interest
₹1,65,860
Total Amount Payable
₹11,65,860
Principal (85.8%)
Interest (14.2%)
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Axis Bank
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50,000+
Happy Customers
₹500 Cr+
Loans Disbursed
4.8/5
Customer Rating