Ujjivan Small Finance Bank Home Loan Eligibility Calculator | 2025

Smart financial planning is essential when considering a home loan. Ujjivan Small Finance Bank’s Home Loan Eligibility Calculator provides a precise estimate of your borrowing capacity, taking into account your income, age, existing debts, and desired loan tenure.

Here’s how you can leverage this calculator to make strategic decisions and secure the best possible loan terms.

Ujjivan Small Finance Bank Home Loan Eligibility Criteria

Criteria	Details
Age	Salaried and Self-Employed: 18 – 60 years
Employment Type	Salaried, Self-Employed (Professionals and Non-Professionals)
Minimum Income	Salaried: Rs.25,000 per month , Self-Employed: Rs.25,000per annum

Ujjivan Small Finance Bank Eligibility Criteria on all Home Loan Products

Ujjivan Small Finance Bank Home Loan Interest Rate

How to Use Ujjivan Small Finance Bank Home Loan Eligibility Calculator?

Ujjivan Small Finance Bank’s Home Loan Eligibility Calculator allows you to check your housing loan eligibility online quickly. Follow these simple steps:

1. Input your total gross monthly income.
2. Choose the desired loan term. Longer tenures can increase your eligibility.
3. Enter Ujjivan Small Finance Bank’s current home loan interest rate.
4. Input your existing monthly EMIs for other loans.
5. View your eligible loan amount based on the entered details.

Ujjivan Small Finance Bank Home Loan Eligibility Based on Salary

The eligibility for Ujjivan Small Finance Bank home loan depends on various factors, including your salary. Here’s a general guideline on how salary impacts eligibility:

• The higher your salary, the higher the home loan amount you may be eligible for.
• Typically, a higher salary allows you to qualify for a larger loan, as your income indicates the ability to repay a larger amount.

For example, someone earning ₹1 lakh/month may be eligible for a loan of ₹1 crore or more, while someone earning ₹40,000/month might only be eligible for ₹30-40 lakh.

Also Read: How Much Home Loan Can you Get Based on Salary?

Eligibility Based on Age

Applying for an Ujjivan Small Finance Bank home loan early ensures that you can get a longer repayment tenure, lowering your EMI and helping you manage your finances better.

Applicant Age	Maximum Eligible Tenure
18 – 40 years	20 years
41 years	19 years
42  years	18 years
43  years	17 years
44 years	16 years
45 years	15 years
46 years	14 years
47 years	13 years
48 years	12 years
49 years	11 years

Suggested Read: Home Loans for Salaried Employees

Eligibility Based on Property Value

The value of your property also influences your loan eligibility. Here’s how:

Property Value	LTV Ratio
Up to Rs.30 lakh	90.00% of the property cost
From Rs.30 lakh to Rs.75 lakh	80.00% of the property cost
Above Rs.75 lakh	– of the property cost

Also Read: Home Loan for Self-Employed Professionals

Eligibility Based on Credit Score

A strong credit score is essential for securing Ujjivan Small Finance Bank home loan, as it reflects your creditworthiness and repayment reliability.

Rating	Credit Score
Good	750 and above
Average	600 – 750
Poor	Below 600

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Eligibility for Women

For women applicants, the eligibility criteria are the same as for other applicants. However, women applicants are eligible for a variable interest rate concession on the loan.

Factors Affecting Ujjivan Small Finance Bank Home Loan Eligibility

Several factors affect your eligibility for an Ujjivan Small Finance Bank home loan, including:

Factor	Impact on Eligibility
Age of the applicant	Younger applicants get longer repayment tenures
Financial position	Strong financials improve eligibility
Repayment record	Also good repayment history boosts eligibility
Credit score	Higher scores increase chances of approval
Existing liabilities	Higher liabilities reduce eligibility
Applicant’s profile	Stable profiles are favored
Property specifications	Newer, well-located properties have better eligibility
Loan guarantor status	Being a guarantor to another loan can affect eligibility

How to Improve My Eligibility For Ujjivan Small Finance Bank Home Loan?

To improve your eligibility for an Ujjivan Small Finance Bank home loan, take these key steps to qualify for a higher loan amount with better terms.

Factor	How to Improve Eligibility
Credit Score	Maintain a score of 750+ by clearing dues on time and reducing debt.
Employment Stability	Stay employed with a stable job or business for at least 2 years.
Debt-to-Income Ratio	Reduce existing debts or liabilities to lower your DTI ratio.
Loan Tenure	Opt for a longer tenure to lower monthly EMI and improve eligibility.
Co-applicant	Add a co-applicant with a steady income to boost eligibility.
Property Value	Choose a property with a higher market value to increase loan eligibility.
Additional Savings	Having significant savings or assets can demonstrate financial stability.
Avoid Unnecessary Loans	Refrain from taking new loans during the application process.

Home Loan Interest Rates by Top Banks

Bank	Up to Rs. 30 Lakh	Above Rs. 30 Lakh to Rs. 75 Lakh	Above Rs. 75 Lakh
SBI Bank	8.00% p.a. onwards	8.00% p.a. onwards	8.00% p.a. onwards
HDFC Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
LIC Bank	8.50% – 10.35% p.a.	8.50% – 10.55% p.a.	8.50% – 10.75% p.a.
ICICI Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Kotak Mahindra Bank	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards
Punjab National Bank	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.	8.50% – 11.05% p.a.
Bank Of Baroda	8.40% onwards	8.40% – 10.65% p.a.	8.40% – 10.90% p.a.
Bajaj Housing Finance	8.50% p.a. onwards	8.50% p.a. onwards	8.50% p.a. onwards
Axis Bank	8.75%-10.30% p.a.	8.75%-10.30% p.a.	8.75%-10.30% p.a.
Bank of India	8.40% p.a onwards	8.40% p.a onwards	8.40% p.a onwards
TATA Capital	8.75% p.a. onwards	8.75% p.a. onwards	8.75% p.a. onwards

Home Loan Processing Fees by Top Banks

Bank	Home Loan Processing Fee
SBI (State Bank of India)	0.35% of the loan amount (min ₹2,000, max ₹10,000) + GST
HDFC Bank	Upto 0.50% of the loan amount or Rs. 3300/- whichever is higher
ICICI Bank	0.50% of the loan amount (min ₹3,000, max ₹5,000) + GST
Axis Bank	1% of the loan amount or ₹10,000 (whichever is lower)
Kotak Mahindra Bank	0.5% – 1.00% of the loan amount
Bajaj Housing Finance	Up to 4% of the loan amount

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Conclusion

Checking your Ujjivan Small Finance Bank home loan eligibility is a crucial step in securing a home loan. Also, by understanding the eligibility criteria and using the tools provided by Ujjivan Small Finance Bank, you can ensure a smooth application process and improve your chances of approval. If you need assistance, Ujjivan Small Finance Bank offers a facility of a pre-approved home loan even before you have identified your dream home. For any queries, feel free to contact our team of experts.

Frequently Asked Questions