Ujjivan Small Finance Bank Home Loan Interest Rate
Established in 2017, Ujjivan Small Finance Bank offers convenient home loans ranging from Rs. 2 lakh to Rs. 75 lakh to those dreaming of buying, building, or renovating a home. The Ujjivan Small Finance Bank home loan interest rate starts at 8.75% per annum, and the loan is available for up to a repayment period of 20 years. For each home loan application, the bank charges a fixed processing fee of Rs. 3,500 + GST.
Ujjivan Small Finance Bank Home Loan EMI Calculator
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Ujjivan Small Finance Bank Home Loan Key Highlights
| Amount of Loan | Up to 75 lakhs |
|---|---|
| Rate of Interest | 8.75% per annum onwards |
| Processing Fees |
Rs. 3,350 + GST applicable (non-refundable) |
| Max Tenure for Loan Repayment | Up to 20 years |
Ujjivan Small Finance Bank Home Loan Interest Rates in 2025
The home loan interest rate in Ujjivan Bank starts at a very competitive 8.75%. It may go up to 17.75% depending on certain factors like the credit history, nationality, employment status, and salary of the applicant.
Have a look at the table below to understand the Ujjivan Small Finance Bank home loan interest rate 2025 in detail:
| Loan Category | Rate of Interest on Home Loan |
|---|---|
| Salaried Applicants | 8.75% p.a. onwards |
| Self-Employed Applicants | 8.75% - 17.75% p.a. onwards |
Standard Home Loan Rates of Interest for Salaried and Self-Employed Applicants
Repo Linked Lending Rate (RLLR)
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loan | 8.75% p.a. onwards |
Ujjivan Small Finance Bank Composite Home Loan Interest Rates
| Loan Slab | Rate of Interest on Home Loan (p.a.) |
|---|---|
| All Loans | 8.75% p.a. onwards |
Pre-Approved Top-Up Loans Interest Rates
| Loan Category | Rate of Interest on Home Loan (p.a.) |
|---|---|
| Top-Up for Existing Customers | 1% more than the rate of interest of Ujjivan Home Loan |
Interest rates were last updated on 18th August 2025
Ujjivan Small Finance Bank Home Loan Interest Rates for All Schemes in India
Ujjivan Small Finance Bank offers competitive home loan interest rates tailored to meet the needs of a wide range of borrowers across India. The rates vary based on factors such as loan amount, applicant profile, and repayment tenure, making it easier for both salaried and self-employed individuals to access affordable housing finance under various schemes.
| Ujjivan Small Finance Bank Home Loan Schemes | Rates of Interest for Each Plan |
|---|---|
| Home Purchase and Construction Loan | 8.75% p.a. onwards |
| Home Improvement Loan | 8.75% p.a. onwards |
| Composite Home Loan (for purchasing a plot and self-construction of a home) | 8.75% p.a. onwards |
Ujjivan Small Finance Bank Home Loan Interest Rates for Balance Transfer, Top Up, and Overdraft
Ujjivan Small Finance Bank aims to make home loans affordable and convenient by offering three more flexible facilities: balance transfer, top-up, and overdraft facility.
Ujjivan Small Finance Bank Home Loan Balance Transfer
Ujjivan Small Finance Bank's balance transfer facility is a convenient way for existing home loan borrowers to shift their existing home loan from another bank to Ujjivan to avail cheaper interest rates, reduced EMIs, and better loan terms. Ujjivan balance transfer home loan interest starts from 8.75% per annum.
Ujjivan Small Finance Bank Home Loan Top-Up
Apart from the balance transfer, borrowers can also avail a top-up loan on their existing home loan. It is a fantastic scheme that allows eligible borrowers to access additional funds for home renovation and personal needs without applying for a new loan. The Ujjivan top-up home loan interest is 1% more than the normal home loan interest rate of Ujjivan.
Ujjivan Small Finance Bank Home Loan Overdraft Option
Existing borrowers can also utilize the convenient Ujjivan Small Finance Bank overdraft facility, which helps them reduce their interest burden. Through this facility, they can avail funds by paying interest only on the outstanding balance. Ujjivan overdraft home loan interest starts at 8.75% per annum.
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Compare Ujjivan Small Finance Bank Home Loan Interest Rate with Top Banks
Even if you have already made up your mind to apply for a home loan from Ujjivan Small Finance Bank, we still recommend you compare its interest rate with other leading competitors. This will help you make an informed decision.
The table below will help you compare the latest Ujjivan Small Finance Bank housing loan interest rates with the other top 5 financial service providers:
| Bank/NBFC | Rate of Interest on Home Loan | Processing Fee |
|---|---|---|
| Ujjivan Small Finance Bank Home Loan | 8.75% p.a. onwards | Rs. 3,350 + GST applicable (non-refundable) |
| Saraswat Bank Home Finance | 7.50% p.a. onwards | Rs. 2,500 - Rs. 7,500 (taxes additional) for salaried applicants | With no insurance—0.20% or Rs. 7,500 (whichever is higher) | With insurance—Rs. 7,500 + taxes |
| Karnataka Bank Home Finance | 8.19% p.a. onwards | 0.50% - 2.00% |
| Canara Bank Home Finance | 7.40% p.a. onwards | 0.50% (Max. Rs. 10,000/- + GST) |
| PNB Housing | 8.25% p.a. onwards | 0.35% (Maximum Rs. 15,000) |
| UCO Bank Home Finance | 7.50% p.a. onwards | 0.5% of the loan amount (Min. Rs. 1,500/-, Max. Rs. 15,000/) |
Ujjivan Small Finance Bank Home Loan Balance Transfer Interest Rates
Ujjivan Small Finance Bank offers attractive home loan balance transfer options for borrowers seeking lower EMIs and better terms. To get a Ujjivan Small Finance Bank home loan balance transfer, check your eligibility and apply online or at a branch with the required documents. Once approved, Ujjivan will repay your existing lender and transfer the loan.
Ujjivan Small Finance Bank Home Loan Balance Transfer interest rate starts at 8.75% per annum. The following steps can help you shift your existing loan balance to Ujjivan Small Finance Bank:
- Firstly, visit the BASIC Home Loan website and go to the Repay Right section - https://www.basichomeloan.com/repay-right.
- Fill in the required details in the online form displayed on the screen.
- Click ‘Next’ to proceed to the next page.
- You will then be able to see the savings you make with the Ujjivan Small Finance Bank Home Loan Balance Transfer option.
- Another easier option is to approach the BASIC Home Loan team for help in applying for a Ujjivan Small Finance Bank housing loan.
Get Home Loan Starting at 8.5%*
How to Calculate Ujjivan Small Finance Bank Home Loan Interest Rates?
To calculate Ujjivan Small Finance Bank home loan interest rates, consider factors like your credit score, income stability, and loan amount. The bank evaluates your overall risk profile before offering a rate. Using an online EMI calculator can help estimate your monthly repayments accurately.
The table given below will give you an idea of the monthly EMI installments for 10 to 30 years tenures:
Ujjivan Small Finance Bank Home Loan EMI Calculator 2025
| Loan Amount | Rate of Interest | EMI for 10-Year Loan Tenure | EMI for 20-Year Loan Tenure | EMI for 30-Year Loan Tenure |
|---|---|---|---|---|
| Rs. 10 lakh | 8.75% p.a. | Rs. 12,533 | Rs. 8,837 | Rs. 7,867 |
| Rs. 20 lakh | 8.75% p.a. | Rs. 25,065 | Rs. 17,674 | Rs. 15,734 |
| Rs. 30 lakh | 8.75% p.a. | Rs. 37,598 | Rs. 26,511 | Rs. 23,601 |
| Rs. 40 lakh | 8.75% p.a. | Rs. 50,131 | Rs. 35,348 | Rs. 31,468 |
| Rs. 50 lakh | 8.75% p.a. | Rs. 62,663 | Rs. 44,186 | Rs. 39,335 |
| Rs. 60 lakh | 8.75% p.a. | Rs. 75,196 | Rs. 53,023 | Rs. 47,202 |
| Rs. 70 lakh | 8.75% p.a. | Rs. 87,729 | Rs. 61,860 | Rs. 55,069 |
| Rs. 80 lakh | 8.75% p.a. | Rs. 1,00,261 | Rs. 70,697 | Rs. 62,936 |
| Rs. 90 lakh | 8.75% p.a. | Rs. 1,12,794 | Rs. 79,534 | Rs. 70,803 |
| Rs. 1 crore | 8.75% p.a. | Rs. 1,25,327 | Rs. 88,371 | Rs. 78,670 |
These figures might change subject to changes in the rate of interest, loan amount, loan tenure, and other factors.
FAQ's
At present, the interest rate of a Ujjivan Bank home loan starts at 8.75% per annum. However, we recommend that you verify the same by visiting the nearest bank branch or the official bank website.
Although Ujjivan Small Finance Bank has not mentioned any fixed CIBIL score for a home loan, like other financial lenders, it also takes into account the CIBIL score of each applicant before approving a home loan.
The loan repayment tenure for the Ujjivan Small Finance Bank home loan is up to 20 years.
Ujjivan Bank offers home loans on both a fixed and floating interest rate basis. So, the applicant can choose as per the budget.
Some common factors that affect the home loan interest rate at Ujjivan Bank are:
- Income status of the applicant
- Property type and location
- Loan amount
- Loan tenure
- Credit score of the applicant
You can check your eligibility for the best interest rate with Ujjivan Small Finance Bank by visiting the official bank website or visiting the nearest bank branch. Alternatively, you can also check for the same using an online eligibility calculator such as the one available at BASIC Home Loan.