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EMI Starts From : ₹884/Lakh
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Ujjivan Small Finance Bank offers max funding upto 75 Lakhs

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Interest Rates starting @8.75%

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Tenure upto 20 years

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Ujjivan Small Finance BankUjjivan Small Finance Bank
  • Overview
  • Loan Calculations
  • Highlights
  • Home Loan Interest Rates
  • Compare With Other Banks
  • Processing Fees
  • Fees and Charges
  • Home Loan Types
  • EMI Calculator
  • Eligibility Criteria
  • Documents
  • Tenure
  • How to Apply
  • Loan Amount
  • Customer Care
  • Nearest Branches
  • Disbursement Process
  • Home Loan Insurance
  • Tax Benefits
  • Bank Features
  • Why Choose Credit Dharma

Ujjivan Small Finance Bank Home Loan

Ujjivan Small Finance Bank offers attractive home loan solutions with interest rates starting at 8.75% p.a. and a maximum tenure of up to 20 years. Customers can avail of loans up to ₹75 lakhs, catering to diverse property-related needs such as purchasing a new home, construction, renovations, and extensions. Ujjivan Small Finance Bank provides flexible financing options, making it an ideal choice for those looking to make homeownership more accessible and affordable.

Rate of Interest

8.75% - 16.75%

Loan to Value

80% - 90%

Loan Tenure

Max 20 years

Max Loan Amount

Upto 75 Lakhs

Rate of Interest8.75% - 16.75%
Loan TenureMax 20 years
AgeSalaried/ Self Employed : 18 - 70 years
ProfessionSalaried/Self Employed
IncomeMetro Cities : 20,000/Month & Above
Other Cities : 15,000/Month & Above
NationalityResident Indian/ NRI
Max Loan AmountUpto 75 Lakhs
Plot Purchase
Independent Building
Apartment
Resale Property
New Construction
LTV80% - 90%
Home Loan
Plot Cum Construction Loan
Balance Transfer
Overdraft Facility
Top Up Facility
Other OfferingsCommercial Loan,Home Improvement Loan,Equity Loan,Composite Loan
Processing Fees₹ 3,350 + GST applicable (Non – refundable)
Other ChargesCLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 1.0% - 2.0% of loan amount
Overdraft Facilities-
Highlights• Easy documentation
• Lower EMIs
• Fast approval and disbursement
• Smooth, hassle-free process
• Flexible policies

*Disclaimer: The interest rate, maximum tenure, and other charges are subject to change, it's advisable to check with our experts for the latest information.

Home Loan Calculations
₹50,00,000
20 Years
Loan Amount₹ 50,00,000
Loan Tenure20 years
Rate of Interest8.75% - 16.75%
Monthly EMI₹ 44,185 -
₹ 72,390

Eligibility Criteria for Ujjivan Small Finance Bank Home Loan

CriteriaSalariedNon- Salaried
Age Range18 to 70 years18 to 70 years
NationalityIndian
NRIs
Indian
NRIs
Minumim Income25,000 per month3 lakhs per annum

Calculate your home loan eligibility and unlock exclusive offers for you!

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Ujjivan Small Finance Bank Home Loan Interest Rates

Standard Home Loan Rates

Salaried ROISelf Employed ROI
8.75% p.a onwards8.75% p.a onwards
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Get the best Home Loan interest rates tailored for you

If you’re looking to choose the right home loan perfectly made according to your needs, then book a call with our experts here.

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Ujjivan Small Finance Bank Home Loan Processing Fee and Charges

Processing Charges

Charge TypeAmount
Processing Fees₹ 3,350 + GST applicable (Non – refundable)
CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance)1.0% – 2.0% of loan amount
+ GST applicable
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Ujjivan Small Finance Bank Home Loan Documents

Identity Documents

Doc NameSalariedSelf Employed
PAN✔✔
Voter ID✔✔
Passport✔✔
Driving Licence✔✔
Aadhar Card✔✔

Proof Of Income

Doc NameSalariedSelf Employed
Salary slips for the last 3 months✔
✖
Latest ITR✔✔
Bank statements for the last 6 months✔✖
Business License✖✔
Business Address Proof✖✔

Ujjivan Small Finance Bank Home Loan Schemes and Top Plans

Comparison

FeatureHome LoanHome Construction LoanComposite Home LoanHome
Improvement Loan
Home Equity LoanCommercial Purchase LoanTop-up Loan
Minimum Loan Amount2 lakhs2 lakhs2 lakhs2 lakhs2 lakhs5 lakhs1 lakh
Maximum Loan Amount75 lakhs75 lakhs50 lakhs25 lakhs75 lakhs30 lakhs10 lakhs
Interest Rate8.75% p.a. to 16.75% p.a.8.75% p.a. to 16.75% p.a.8.75% p.a. to 17.75% p.a.8.75% p.a. to 17.75% p.a.10.99% p.a. to 19.75% p.a.8.75% p.a. to 19.75% p.a.only 1% more than your core loan ROI
Tenureup to 20 yearsup to 20 yearsup to 20 yearsup to 15 yearsup to 15 yearsup to 7 yearsup to 7 years
Eligible Applicantssalaried or self-employedsalaried or self-employedsalaried or self-employedsalaried or self-employedsalaried or self-employedsalaried or self-employedsalaried or self-employed

Details

Standard Home Loan

  • Minimum Loan Amount: ₹2 lakhs*
  • Maximum Loan Amount: up to ₹75 lakhs
  • Interest Rate: 8.75% p.a. to 16.75% p.a.
  • Tenure: Up to 20 years
  • Eligible Applicants: Both salaried and self-employed

Home Construction Loan

  • Minimum Loan Amount: ₹2 lakhs*
  • Maximum Loan Amount: up to ₹75 lakhs
  • Interest Rate: 8.75% p.a. to 16.75% p.a.
  • Tenure: Up to 20 years
  • Eligible Applicants: Both salaried and self-employed

Composite Home Loan

  • Minimum Loan Amount: ₹2 lakhs*
  • Maximum Loan Amount: up to ₹50 lakhs
  • Interest Rate: 8.75% p.a. to 17.75% p.a.
  • Tenure: Up to 20 years
  • Eligible Applicants: Both salaried and self-employed

Home Improvement Loan

  • Minimum Loan Amount: ₹2 lakhs*
  • Maximum Loan Amount: up to ₹25 lakhs
  • Interest Rate: 8.75% p.a. to 17.75% p.a.
  • Tenure: Up to 15 years
  • Eligible Applicants: Both salaried and self-employed

Home Equity Loan

  • Minimum Loan Amount: ₹2 lakhs*
  • Maximum Loan Amount: up to ₹75 lakhs
  • Interest Rate: 10.99% p.a. to 19.75% p.a.
  • Tenure: Up to 15 years
  • Eligible Applicants: Both salaried and self-employed

Commercial Purchase Loan

  • Minimum Loan Amount: ₹5 lakhs*
  • Maximum Loan Amount: up to ₹30 lakhs
  • Interest Rate: 8.75% p.a. to 19.75% p.a.
  • Tenure: Up to 7 years
  • Eligible Applicants: Both salaried and self-employed

Top-up Loan

  • Minimum Loan Amount: ₹1 lakhs*
  • Maximum Loan Amount: up to ₹10 lakhs
  • Interest Rate: only 1% more than your core loan ROI
  • Tenure: Up to 7 years
  • Eligible Applicants: Both salaried and self-employed

How to Apply

Applying for Ujjivan Small Finance Bank Home Loan is a straightforward process:

1. Check Eligibility:
Verify that you meet the eligibility criteria for your selected loan product.

2. Collect Documents:
Gather all the required documents.

3. Visit a Local Branch:
Visit your nearest Ujjivan Small Finance Bank branch and fill out the application form.

4. Submit Documents:
Submit your application along with the required documents.

5. Application Review:
The bank will review your application and documents.

6. Loan Approval:
Upon approval, your loan will be sanctioned, and you can start your homeownership journey.

Do not want to get into this hassle? Get Ujjivan Small Finance Bank’s best rates in a single call.

Call now!

Customer Care Details: Ujjivan Small Finance Bank

Ujjivan Small Finance Bank offers comprehensive customer care services to address the queries and concerns of its customers efficiently.

ContactContact Details
Ujjivan Small Finance Bank Head OfficeUjjivan Small Finance Bank Ltd.
Grape Garden, No. 27, 3rd A Cross, 18th Main, 6th
Block Koramangala, Bengaluru – 560095

Areas of Operations: Karnataka, Tamil Nadu, Kerala, Goa and Puducherry
Toll Free Number (24 *7) 1800 208 2121
NRI Call Centre 080 6868 2121
Email IDcustomercare@ujjivan.com

Comparison

For detailed comparison between top banks you can visit our compare banks page.

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.00% p.a. onwards8.00% p.a. onwards8.00% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% onwards8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.
Who is eligible for an Ujjivan bank loan?

To be eligible for a Ujjivan Bank personal loan, applicants must be public sector salaried employees aged 18-70 years with a minimum monthly income of ₹25,000.

Is Ujjivan Small Finance Bank safe?

Yes,Ujjivan Small Finance Bank is regulated by the Reserve Bank of India and maintains a strong financial profile.

Who is the owner of Ujjivan?

Samit Ghosh founded Ujjivan Financial Services Limited and served as its MD and CEO until January 31, 2017, when he transitioned to lead Ujjivan Small Finance Bank in the same capacity.

Is Ujjivan Small Finance Bank RBI approved?

Ujjivan Small Finance Bank has received RBI approval to offer foreign exchange services, allowing it to provide a variety of forex products and solutions.


Ujjivan Small Finance Bank Calculators
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