CreditBrief

What Axis Bank lends, and to whom

Its loan book from its own filings: how big it was at the end of FY2025-26, who borrows from it, how it has grown and where it ranks. Every number links to the page it came from.

FY2025-26Year-end balance on 31 March 2026, the last day of FY2025-26. The latest half-year balance, on 30 Sep 2026, is ₹13.74 lakh crore (+11% since March).

Axis BankPrivate banks

₹12.34lakh crorenet advances on 31 Mar 2026: lent and not yet repaid

Compare loan books Credit salaries here

Size among peers7thof 33 banks on CreditBrief, March 2026
Biggest segment34.2%Corporate, latest split (30 Sep 2026)
Share of the combined book5.8%of all banks on CreditBrief

Chapter 01 · The loan book

₹12.34 lakh crore lent out by March 2026. To whom?

A loan book is everything a lender has lent that has not yet been paid back. It is not profit and not revenue: it is the money still owed to it, on one day.

The simple version. When someone takes a ₹50 lakh home loan, it sits in Axis Bank's loan book until it is repaid. Add up every loan it had out on 31 March 2026, from corporate down, and you get ₹12.34 lakh crore. By 30 Sep 2026 it was ₹13.74 lakh crore.

First cut: who the borrower is · split from its latest filing, 30 Sep 2026

44%People and households₹6.11 lakh croreHome LoansRural loansLAPPersonal loansAuto loans
52%Businesses₹7.19 lakh croreSBBSMECorporate

3% sits in lines the filing does not tie to either: Loans for self leveraged FCNR deposits.

Drilling down: what it lends against · 30 Sep 2026

  • Corporate₹4.69 lakh crore34.2%
  • Home Loans₹1.75 lakh crore12.8%
  • SME₹1.65 lakh crore12%
  • Rural loans₹1.22 lakh crore8.9%
  • LAP₹90,177 crore6.6%
  • SBB₹85,167 crore6.2%
  • Personal loans₹84,954 crore6.2%
  • Auto loans₹61,397 crore4.5%
  • Credit Cards₹45,422 crore3.3%
  • Loans for self leveraged FCNR deposits₹43,759 crore3.2%
  • Others (retail)₹18,377 crore1.3%
  • Comm Equipment₹13,053 crore1%

Retail products are on page 33. SME (₹1,64,600 crore) and corporate (₹4,69,200 crore) come from a chart on page 18. Rural loans include gold loans and microfinance.

Sources: Axis Bank Press Release and Investor Presentation Q4 FY26 (exchange filing), PDF page 11 ↗ for March 2026; Axis Bank Press Release and Investor Presentation Q2 FY27 (exchange filing), PDF page 15 ↗ for 30 Sep 2026 and the split.

Chapter 02 · Insights

Growing 15% a year since March 2022.

From ₹7.08 lakh crore on 31 March 2022 to ₹12.34 lakh crore on 31 March 2026, and ₹13.74 lakh crore by 30 Sep 2026. Click the i beside any figure in the table to see the line it was read from.

CreditBrief Insights31 figures from 10 filings · each checked against its pageHow it works
Axis Bank · loan book · 31 March 2026₹12.34lakh crore+19% in FY2025-26₹13.74 lakh crore by 30 Sep 2026
  1. 0115%a year since 2022Grew 15% a year from March 2022 to March 2026, a figure that includes its purchase of Citibank India's consumer business in March 2023.
  2. 0219%in FY2025-26Growth picked up to 19% in FY2025-26, from 7.8% the year before.
  3. 038thamong peersMoved up from 8th to 7th biggest of these 33 banks between March 2022 and March 2026.
Deposits₹13.36 lakh crore+14% · in FY2025-26
Loans to deposits92.3%+3.6 pts · in FY2025-26
CASA ratio40.0%-1.0 pts · in FY2025-26
Corporate and wholesale loans₹4.13 lakh crore+38% · in FY2025-26
Branches6,275+6.8% · in FY2025-26
Mobile app users28 million+22% · in FY2023-24
MeasureMar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Loan book₹ crore · net advances7,07,9478,45,3039,65,06810,40,81112,33,57013,73,727
Corporate and wholesale loans₹ crore2,32,5822,68,3342,78,1492,99,3934,12,9434,69,230
Deposits₹ crore8,21,7219,46,94510,68,64111,72,95213,35,83414,52,066
CASA ratio%47.0043.0041.0040.0036.00
BranchesNumber4,7584,9035,3775,8766,2756,414
Mobile app usersMillion2328

Each value was checked by script: the quoted line is on the cited page and its number matches. Growth is worked out from these values.

Insights alertQ3 FY2026-27 due by 14 Feb 2027

Know what moved at Axis Bank, the week its results land.

Insights reads the filing, checks every figure against its page, and emails you the story with the receipts. About four emails a year per lender.

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Its last results, as an alert

CreditBrief Insightsto you

Axis Bank, Q2 FY2026-27: loan book ₹13.74 lakh crore, +11% since March

  • ₹13.74 lakh crore lent out by Q2 FY2026-27
  • Biggest segment: Corporate, 34% of the book
  • Every figure links to page 15 of its filing

Chapter 03 · Among its peers

7th biggest of 33 banks we cover, March 2026.

At the end of FY2025-26 it held 5.8% of the combined loan book of the banks on CreditBrief. Banks report advances, gross or net, and each row says which.

  1. 1State Bank of India₹49.33 lakh crore
  2. 2HDFC Bank₹29.60 lakh crore
  3. 3ICICI Bank₹15.54 lakh crore
  4. 4Bank of Baroda₹14.30 lakh crore
  5. 5Punjab National Bank₹12.59 lakh crore
  6. 6Canara Bank₹12.38 lakh crore
  7. 7Axis Bank₹12.34 lakh crore
  8. 8Union Bank of India₹10.79 lakh crore

Explore every lender's loan book. CreditBrief covers 53 lenders, not every lender in India.

Chapter 04 · Working here

Getting in.

Jobs at Axis Bank

Openings are on the lender's own careers page, which we loaded and read on the jobs page.

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Read next

Prepare for the interview

Chapter 05 · Sources

Every number, traced to its filing.

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