Ujjivan Small Finance Bank Home Loan
With a strong focus on offering affordable housing loan options, Ujjivan Small Finance Bank is one of the ideal choices among the home loan borrower segment. The bank’s home loan interest rate starts at 8.75% per annum, and loans are offered for up to 20 years. Ujjivan Small Finance Bank's home loan processing fee is estimated at Rs. 3,350 + GST. The loan amount is available for home construction, purchase, and improvement, as well as plot purchase.
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Ujjivan Small Finance Bank Home Loan Key Highlights
Get the lowest interest rates with Ujjivan Small Finance Bank Home
| Loan Amount | Rs. 2,00,000 - Rs. 75,00,000 |
|---|---|
| Rate of Interest | 8.75% per annum onwards |
| RPLR | |
| Processing Fee | |
| Maximum Tenure for Repayment | 240 months |
| Penal Rate of Interest | |
| Rate Packages | Fixed and Floating |
| Charges for Prepayment/Foreclosure | Nil (if the applicant is closing the home loan with their own money); 3% (if they are transferring the loan amount to another bank/NBFC) |
Ujjivan Small Finance Bank Home Loan Interest Rates in 2025
Ujjivan Small Finance Bank home loan interest rates start from 8.75% per annum. The rates are competitive with those existing in the market and allow loan applicants to afford loan amounts for varied purposes easily.
| Loan Slab | Interest Rate for Home Loan |
|---|---|
| Home Purchase and Construction Loan | Starting from 8.75% p.a. |
| Home Improvement Loan | Starting from 8.75% p.a. |
| Composite Home Loan (for purchasing a plot and self-construction of a home) | Starting from 8.75% p.a. |
Interest rates were last updated on 24th July 2025
Ujjivan Small Finance Bank Home Loan Eligibility Criteria
Like every bank and NBFC, Ujjivan Small Finance Bank also specifies specific requirements that its home loan applicants must meet to be considered eligible for availing home loans. Check out the Ujjivan Small Finance Bank home loan eligibility criteria below for your reference:
| Eligibility Parameters | For Salaried Individuals | For Self-Employed Individuals |
|---|---|---|
| Age Range (in years) | 21-65 years | 21-65 years |
| Nationality | Indian | Indian |
| Minimum Income Earned |
Ujjivan Small Finance Bank Home Loan Processing Fees
Ujjivan Small Finance Bank charges a processing fee that covers the costs involved in assessing and processing each home loan application. The table below lists the Ujjivan Small Finance Bank home loan processing fee and some other charges that the bank levies on its home loan applicants:
| Processing Fee |
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|---|---|
| Credit, Legal, Administrative, Documentation, Upkeep of Documents, and Maintenance (CLADUM) Charges |
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Ujjivan Small Finance Bank Home Finance Schemes and Top Plans
The bank offers various loan products to help customers meet their home financing needs, tailored to their budget. Take your pick from one of the following home finance schemes by Ujjivan Small Finance Bank:
Home Purchase & Home Construction Loan
- Own your home easily with up to Rs. 75,00,000 loan amount on offer
- Up to 240 months' repayment tenure available
- A loan is offered for both building and buying a new house/flat
Composite (Plot Purchase & Self-Construction) Home Loan
- Perfect for investing in a plot and building your dream home
- A maximum of Rs. 50,00,000 loan amount on offer
- Up to 240 months of loan repayment tenure
Home Improvement Loan
- To give your house a new look and fresh feel
- The loan amount allows you to make repairs and renovations to your existing home.
- Up to Rs. 25,00,000 loan amount offered for a maximum of 180 months
Note: All of the above home loan plans are made available to applicants solely at the discretion of Small Finance Bank Home Loan, taking into consideration the earning and repayment capacity of the applicant.
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Documents Required for Ujjivan Small Finance Bank Home Loan
As part of the loan application process, Ujjivan Small Finance Bank requires its applicants to submit a set of official documents that help determine the identity, credibility, and trustworthiness of the borrower. After checking the documents thoroughly, the bank decides whether or not to grant the loan amount to the applicant.
Shared below is the complete list of Ujjivan home loan documents that its borrowers must have ready before applying for the home loan:
Documents Required for Salaried Applicants
- Profit and Loss Account Statements
- Certificate of registration or business license
- Bank statement for the previous 6 months
- ITR for the previous 3 years
- Balance sheets for the previous 3 years
- GST returns (if applicable)
- Form 16 for the last 2 years
- Letter of Appointment or Promotion
- Salary slips for the previous 3 months
- Bank statement showing salary credit for the last 6 months
Documents Required for Self-Employed Applicants
Self-attested copy of any one (Aadhaar card, Driving License, valid passport)
- Profit and Loss Account Statements
- Certificate of registration or business license
- Bank statement for the previous 6 months
- ITR for the previous 3 years
- Balance sheets for the previous 3 years
- GST returns (if applicable)
Common Documents Required from Both Salaried and Self-Employed Applicants
| Type of Document | Documents Required |
|---|---|
| Identity & Address Proof |
|
| Documents Related to Property |
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Find Ujjivan Small Finance Bank Home Loan Offices Near You
The bank does have physical offices at different locations in the country. However, keeping with the times, it makes sense to avail of the home loan application facility online. It is more straightforward, less time-consuming, and seamless! What’s more? BASIC Home Loan ensures that you can conveniently apply for a home loan online with Ujjivan Small Finance Bank without any hassles.
We recommend visiting the official website of Ujjivan Small Finance Bank for the latest information on home loans, eligibility criteria, rates of interest, and documents required.
FAQs
The bank offers its home loan applicants loans at an interest rate of 8.75% - 17.75% p.a.
Anyone aged 21-65 years with a CIBIL score of 650 or higher and a debt-to-income ratio of 40-50% or lower is eligible to apply for a home loan with Ujjivan Small Housing Finance Bank.
Improving your overall credit score, considering balance transfers, or making bigger down payments can help lower the interest rates on home loans.
Yes, the bank offers home loans to customers with an LTV ratio of up to 90% of the property value. This is typically provided for properties with a high value of up to Rs. 30 lakhs.
Some of the key benefits of availing a home loan with Ujjivan Small Housing Finance Bank are:
- Flexible tenure for loan repayment
- Competitive interest rates on home loans
- Flexible, tailored plans to meet varied home financing needs
Some of the major home loan plans offered by the bank include:
- Home loan for construction and purchase
- Composite loans for plot purchase and construction
- Home improvement loans
The bank offers a maximum loan amount of up to Rs. 75,00,000 to its home loan applicants to help them meet their varied home financing requirements.