Ujjivan Small Finance Bank Home Loan
Ujjivan Small Finance Bank Home Loan
Ujjivan Small Finance Bank Home Loan
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Ujjivan Small Finance Bank Home Loan EMI Calculator
Your Monthly EMI
₹ 77,530
Total Principal
₹ 1,00,00,000
Total Interest
₹ 86,07,174
Total Payable
₹ 1,86,07,174
Ujjivan Small Finance Bank Home Loan Key Highlights
Get the lowest interest rates with Ujjivan Small Finance Bank Home Loan
Loan Amount: Rs. 2,00,000
Rs. 75,00,000
Rate of Interest: 8.75% per annum onwards
Maximum Tenure for Repayment: 240 months
Rate Packages: Fixed and Floating
Charges for Prepayment/Foreclosure: Nil (if closing with own money); 3% (if transferring to another bank/NBFC)
Ujjivan Small Finance Bank Home Loan Interest Rates in 2026
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 (plot + self-construction) | Starting from 8.75% p.a. |
Ujjivan Small Finance Bank Home Loan Eligibility Criteria
For Salaried Individuals
Age Range (in years)
21-65 years
Nationality
Indian
Minimum Income
As per bank assessment (based on repayment capacity)
For Self-Employed Individuals
Age Range (in years)
21-65 years
Nationality
Indian
Minimum Income
As per bank assessment (based on repayment capacity)
Ujjivan Small Finance Bank Home Loan Processing Fee and Charges
Ujjivan Small Finance Bank charges a processing fee that covers the costs involved in assessing and processing each home loan application.
| Charge Type | Amount / Details |
| Processing Fee | Rs. 3,350/- + GST (non-refundable) Pre-Qualified Top-Up Loan - None |
| Credit, Legal, Administrative, Documentation, Upkeep of Documents, and Maintenance (CLADUM) Charges | 1%-2% of the loan amount + GST - Home Purchase and Construction Loan 1.5% - 2% of loan amount + GST - Composite Home Loan 2% of the loan amount + GST - Home Improvement Loan, Home Equity Loan, and Commercial Purchase Loan |
Ujjivan Small Finance Bank Home Loan 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:
- 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
- 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.
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:
| Proof of Income |
|
| Other Required Documents |
|
| Proof of Income | Self-attested copy of any one (Aadhaar card, Driving License, valid passport) |
| Other Required Documents |
|
| Identity & Address Proof |
|
| Documents Related to Property |
|
| Documents Related to Property | Property documents; Proof of investment; Loan-related documents |
| Documents | → Apply for Ujjivan Small Finance Bank Home Loans at a Low Interest Rate — APPLY NOW |
Apply Home Loan Through BASIC Home Loan
Visit the 'Apply Now' section on the BASIC Home Loan website. Complete the form provided and click 'Submit.' You will receive a call from one of our expert executives within 1-2 business days to help you through the home loan application procedure with Ujjivan Small Finance Bank.
Apply Now on the BASIC Website
Proceed to the 'APPLY NOW' section on the BASIC Home Loan website.
Enter Your Details and Submit
Fill in the form by entering your name, contact number, and other required details, and submit the form.
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A BASIC Home Loan team representative will connect with you shortly to assist you through the entire home loan application process.
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