I have took personal loan from axis bank .but thrh have charged me around 4000 rs as procesding and franking charges with rate of intrest 17% but online ( bank bazar .com) other banks have 11.50% to 18.50 % but we negotiate with rate of intrest with other banks before loan disbursment but axis bank does not have this facilty , they have told me rate of intrest is not negotiable . n also they have charged more penalty over extra transaction or used of debit card on petrol pump while other bank gives discount on petrol pump transaction.worst experience ever.but axis bank account maintaining facilties are good .they have user friendly mobile app