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Balance Transfer and Top Up Car Loan
Tired of high EMIs and limited options? Transfer your existing car loan from any bank to Axis Bank at attractive interest rates and get a top-up on your original loan amount! Use it for anything you want — travel, upgrades, or personal needs.
Features & Benefits
Get high value loans
Up to 170% of the original loan amount
Use the loan as you wish
You can use the loan to meet any personal* and business* needs. T&C apply.
Interest Rates
Find out the rates for transferring your car loan or getting a top-up
Frequently Asked Questions
Axis Bank offers special benefits to privileged customers, with fast processing and minimal documentation. The top-up loan can be used for any personal* or business* needs. T&C apply.
Axis Bank provides up to 170% of original loan amount as balance transfer and top up loan.
Any pre-payment or excess amount paid by you to the bank will be appropriated in the loan account according to the following criteria/methodology in the absence of specific instructions from you:
a. Excess amount greater than (>) EMI: If service request (SR) for part payment is not created/received within 2 days of receipt of funds, the excess funds will be adjusted towards principal outstanding as part payment.
b. Excess amount equal to (=) EMI: If service request (SR) / instructions for part payment is not created/received on same day of receipt of funds, excess amount will be refunded to your operative account.
c. Excess amount less than (<) EMI: Excess amount will be kept unappropriated in the Loan account for 15 days. Post 15 days, the excess funds shall be adjusted towards principal outstanding as a part payment.
d. Excess amount equal to (=) or greater than (>) foreclosure / pre-closure amount : In case no instructions are placed by you at the Loan Centre / Phone Banking within 3 working days from the date of credit in Loan account and:
1. Excess amount is equivalent (=) to the foreclosure amount, Loan account will be proactively closed by the Bank.
2. Excess amount is greater than (>) the foreclosure amount, adjustment in Loan account would be as follows:
i. If excess amount is up to ₹20,000, Loan account would be closed by the Bank and after closure, excess funds would be credited to the Loan repayment account.
ii. If excess amount is greater than ₹20,000, the Bank will connect with you telephonically for verification of payment. Alternatively, you may connect with the Bank on 18604195555 to confirm the credit adjustment in your Loan account.
e. Excess amount less than (<) the foreclosure amount: In case no instructions are placed by you at the Loan Centre / Phone Banking within 3 working days from the date of credit in Loan account, then excess amount will be adjusted against the outstanding principal, leaving an amount equivalent to one EMI for forthcoming EMI presentation. However, in case you would like the entire amount to be adjusted against the outstanding principal, please place a request at Phone Banking / Loan Centre at the earliest.
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Know moreCar Loan EMI Calculator
Total Amount Payable
1,03,832
Important links
Key resources for your Car Loan needs
Already applied? Track your application here
It's important to check on your loan application status if you have applied for a car loan.
Track NowTerms & Conditions
- The Bank retains the authority to decline any application without providing reasons. It is at the Bank's discretion to evaluate each proposal individually, taking into account the creditworthiness and credentials of each customer
- Applicants are obligated to notify the bank of any changes in their address or employment status
- Axis Bank may, at its sole discretion, utilise the services of external service provider/s or agent/s and on such terms as required or necessary, in relation to its products
- The interest rates and processing fees are subject to change without prior notice and the offer expiry date mentioned is subject to interest rate fluctuations and will only be accommodated on a best effort and non-obligatory basis by the bank
- Axis Bank or its agent(s) shall not be responsible for the delivery/model/ colour/make/performance of the asset applied for under this application. The borrower undertakes to hypothecate the vehicle in favour of the bank immediately after purchase of the vehicle
- Bank is not responsible for the contract entered into by the customer with vehicle dealer nor bank makes any representation as regards the dealer or the vehicle supplied by the dealer.
- Axis Bank is authorised to disclose from time to time any information relating to the loan to any credit bureau (Existing or Future) approved by Government of India and Reserve Bank of India without any notice to the borrower. Axis Bank is also authorised to make inquiries with the Credit Information Bureau of India (CIBIL) and get the applicants Credit Information Report.
- In case of default i.e. if the amount due is not paid by due date, the customer will be sent reminders from time to time for payment of any outstanding on his loan account, by post, fax, telephone, email, SMS messaging and/or through third parties appointed for collection (as per RBI Guidelines) purpose to remind, follow-up and collect dues
- The product and services of the bank are subject to applicable law and regulations and would be modified / discontinued based on the prevailing law / regulation at any point of time and neither party shall be under any liability or obligation or continue the product and services of the bank till such time the terms are modified by the parties as per the prevailing/ amended law at that point of time. In the event, that the product and services of the bank cannot be continued without total compliance of the prevailing law at any point of time, the product and services of the bank shall be deemed to be discontinued forthwith from the date when the amended law restricting / prohibiting the product and services of the bank comes into force.
- Any dispute relating to the Offer or the terms and conditions shall be subject to the jurisdiction of the courts in Mumbai only.
- The terms & conditions mentioned above and elsewhere under the scheme are subject to modification from time to time solely at bank's discretion
- T&C : Additional Discount is provided by the Manufacture
- Sanction or disbursal of loans are at the sole discretion of Axis Bank and are subject to fulfillment of its terms & conditions and eligibility criteria. Images herein are provided only for pictorial representation and Axis Bank does not undertake any liability or responsibility for the same. Contents of this advertisement, products and services offered by Axis Bank are subject to such terms & conditions as may be stipulated by the Bank, applicable laws and regulatory guidelines/ regulations, from time to time. Bank at it sole discretion, without notice, can withdraw/modify the offer. Nothing contained herein shall constitute or be deemed to constitute an advice, invitation or solicitation to purchase any products/ services of Axis Bank or any third party. The bank may use the services of agents for sales, marketing and promotion of the loan products. Copy rights of Axis Bank Limited. All rights are reserved. Terms & conditions apply.
- RBI does not keep funds or accounts of any individual/public/trust nor deals with individuals for savings account, current account, credit card, debit card, etc. Don’t be a victim to any such offers coming to you on phone or email in the name of RBI.
All of the above is subject to terms & conditions.
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