Ujjivan Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Ujjivan Small Finance Bank Personal Loan Key Features

Eligibility Criteria  Details
Age 22 – 58 (at loan maturity)
CIBIL Minimum 750 or above
Ujjivan Small Finance Bank Interest Rate  9.99% per annum
Maximum Tenure 60 months
Ujjivan Small Finance Bank Processing Fee 2% + GST
Minimum Loan Amount ₹50,000
Maximum Loan Amount ₹ 15 Lakh

Each Feature  fo Ujjivan Small Finance Bank Personal Loan Explained in Detail Below


Benefits of Ujjivan Small Finance Bank Personal Loan

  1. Less Paperwork: The bank does not require heavy paperwork. This will save your time
  2. No need of any guarantor: You do not need any guarantor for this type of loan which makes it one of the easiest products to avail.
  3. Personal Documents: You only need to present the documents for this type of loan, so make sure that you present genuine and authentic documents.
  4. Simple Application Process: The filing process is simple and you just need some basic KYC Documents along with your Income proof and 2 Passport size photographs.
  5. Flexible Repayment Options: This bank provides flexible repayment options. For a loan tenure, there is an availability of easy EMI options varies from 12 to 60 months.
  6. Approval in Limited Time: Through this bank, you will get loan approval in 72 hours. That means in 3 working days after your loan application.

Ujjivan Small Finance Bank Personal Loan Eligibility Criteria

The eligibility criteria for a personal loan are as follows:

CIBIL score 750 and Above
Age 22-58 years
Min Income  Rs 25000/month
Occupation Salaried/Self-employed

Ujjivan Small Finance Bank Personal Loan Interest Rate, Fees & Other Charges

TYPES OF LOANS RATE OF INTEREST

Home Loans

12.75%-17.75% per annum

Two Wheeler Loans

22%-27% per annum

Three Wheeler Loans

22%-24% per annum

Micro Loans

22% per annum

Ujjivan Small Finance Bank Personal Loan Documents Required

There is a requirement of documentation for the salaried Applicants and the Self- Employed Applicants are the following:

Documents Required for Ujjivan Small Finance For Salaried Applicants:

  • Income Proof: Last three months’ salary slips.
  • Six months old bank statements of the main operational/ Salary Account are considered.
  • PAN Card is must
  • Aadhaar Card is required as an identity proof
  • Address Proof: Passport Copy, Driving License, Voter ID Card, Aadhaar Card
  • Two passport-sized photographs
  • Company ID Card

*NOTE: In case of rented apartments, rent agreement is to be attached.

Documents Required for Ujjivan Small Finance Bank for Self-Employed Applicants:

  • All financials are considered (company documents as well as ITR files)
  • PAN Card is imperative.
  • Address Proof can be Passport Copy, Driving License, Aadhaar Card, Voter ID Card
  • Two passport-sized photographs

Personal Loan EMI Calculator for Ujjivan Small Finance Bank

Loan Amount Rate of Interest Loan Tenure EMI
Rs. 74,000 15.62% 15 months Rs. 5,462
Rs. 3,50,000 15.75% 20 months Rs. 20,011
Rs. 4,87,000 15.75% 22 months Rs. 25,629
Rs. 6,79,000 15.87% 28 months Rs. 29,176
Rs. 8,99,000 16% 34 months Rs. 33,058
Rs. 11,99,000 16.12% 39 months Rs. 39,701
Rs. 14,17,000 16.25% 48 months Rs. 40,339

Ujjivan Small Finance Bank Personal Loan Comparison with Other Banks

Particulars Ujjivan Small Finance  Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
Interest Rate 9.99% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
Tenure 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
Loan amount Up to Rs. 15 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
Processing Fee Up to 2%  + GST of the loan amount Up to 3.99% of the loan amount Up to 2% of loan amount plus GST Up to 3% of the loan amount Up to 2.25% of loan amount plus GST

How to apply for Ujjivan Small Finance Bank Personal Loan?

There are two ways in which you can apply for a personal loan that is online and offline as well:

Apply Online

  • Visit our bank website.
  • Just fill a simple form online.
  • Then, our bank representative will contact you.

Apply Offline

  • Ask google nearby branches of personal loans.
  • Then, visit the nearby bank.

If you prefer it from Dialabank, we will get your loan processing faster.

Why should you apply for Ujjivan Small Finance Bank Personal Loan with Dialabank?

Dialabank helps you to choose the best option of banks by providing you with the updated market comparison of different banks so that you can make the right choice. We at Dialabank have already helped thousands of people to get the loan they need without any issue and we look forward to continuing in doing so. Apply with us today to get the offers and special deals on Ujjivan Small Finance Bank Personal Loan.

Call us at 9878981166 to avail Ujjivan Small Finance Bank Personal Loan.

How to Calculate EMIs for Ujjivan Small Finance Bank Personal Loan

You can easily calculate the EMIs on your personal loan, you just require the basic information regarding the loan –

  1. Amount of the Loan
  2. Rate of Interest
  3. Tenure

Just put these values in the calculator below to find the exact amount payable each month.

 Personal Loan EMI Calculator

Ujjivan Small Finance Bank Personal Loan Processing Time

Ujjivan Small Finance Bank usually takes 72 hours when it comes to the Processing of Personal Loan Applications. However, Ujjivan Small Finance Bank gives the approval for the loan in just a few hours to a maximum of 1-3 days to its pre-approved already existing account holders.

Ujjivan Small Finance Bank Personal Loan Preclosure charges

Ujjivan Small Finance Bank gives you the option of pre-closing your Personal Loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your Personal Loan. However, Ujjivan Small Finance Bank charges a Prepayment or Pre-closure charge, if you wish to do so we have listed the charges below:

Pre-Closure Charge

2%

No Pre-Closure Charge

For more than 80% installments

Different Offers for Ujjivan Small Finance Bank Personal Loan

Ujjivan Small Finance Bank has a vast range of Personal Loan offers to start from Personal Loan for Salaried Individuals and Personal Loan to Self Employed Individuals ranging to Personal Loan for Home LOans, Marriage Personal Loan, Micro Loans, Two Wheeler, Three Wheeler Loans, Personal Loan for Pensioners, etc. All of these are given below along with the details and features.

Ujjivan Small Finance Bank Personal Loan for Salaried Employeesujjivan small finance bank personal loan

Ujjivan Small Finance Bank offers Personal Loan for Salaried Employees at attractive rates of interest. The amount that you get as a loan essentially depends on the Company that you work for, The take-home salary of the employee as well as the city of residence of the employee. Ujjivan Small Finance Bank offers these loans for a tenure of 12-60 months and provides instant approval along with funds to pre-approved customers.

Ujjivan Small Finance Bank Personal Loan for Self Employed Individuals

Ujjivan Small Finance Bank Personal Loan for Self Employes is a loan product offered to individuals who are self-employed and in need of funds. The bank provides them with attractive rates of interest on their personal loan and tenure of 12-60 months. However, as compared to Salaries Employees, you have to present more documents here as you need to provide the bank with sufficient documents related to your Business to prove its continuity as well as your steady income. You can get a maximum loan of Rs 15 lakhs.

Different Loan offers by Ujjivan Small Finance Bank

Ujjivan Small Finance Bank Home Loan

Ujjivan Small Finance Bank offers special Personal Loans to Doctors who are in need of funds. Bank gives them loans ranging from Rs. 2 lakhs to Rs. 75 lakhs for a tenure of  12 – 60 months at interest rates starting from 9.99%.

Ujjivan Small Finance Bank Two Wheeler Loan

Ujjivan Small Finance Bank provided two-wheeler loans. The eligibility criteria for this type of loan are the following:

  • An applicant between 18 to 58 years.
  • Work Experience of one year for the salaried applicants and self-employed as well.

Ujjivan Small Finance Bank Personal Loan for Three Wheeler

Ujjivan Small Finance Bank Personal Loan provides a three-wheeler loan as well.  An applier between 18 to 59 years.

 You can apply for this by Visiting the nearest Ujjivan Small Finance Bank Loan Branch or Call us at 9878981166 to avail Ujjivan Small Finance Bank Personal Loan for Government Employees.

Ujjivan Small Finance Bank Personal Loan Balance Transfer

Personal Loan Balance Transfer refers to a process where you shift your personal loan from one lending institution to another. In this, your new bank pays off your previous loan and gives you the loan. You get many benefits if you do this but you may have to pay the foreclosure charges associated with that loan along with the Processing fee on your new loan. Some of the benefits are listed below –

  1. Lower Interest Rate
  2. Extended Tenure for the Repayment
  3. You may also get additional features associated with your Loan such as no processing fee, etc. based on your CIBIL score.

Ujjivan Small Finance Bank Personal Loan Top Up

Top up facility on your loan is the additional amount that you borrow from the bank on your existing loan. Ujjivan Small Finance Bank lets you avail of this facility if you have paid at least 9 regular EMIs without any hindrances in payment. You can get a top-up of a minimum of Rs. 20,000 and a maximum Rs. 60,000.

How to Apply Online for Ujjivan Small Finance Bank Personal Loan?

You can apply for Ujjivan Small Finance Bank Personal Loan online by visiting the Ujjivan Small Finance Bank’s online portal and filling the form for applying for a personal loan or you can simply follow the given steps for applying for an Ujjivan Small Finance Bank Personal Loan –

  • Visit DialaBank
  • Fill the Application form and submit it.
  • Wait for a call from one of our Relationship Managers who are experts in this field.
  • Get personalized service for availing Personal Loan by comparing the features of various banks and selecting the one which is most suitable according to your needs. 

Ujjivan Small Finance Bank Personal Loan Status

You can check the status of your Ujjivan Small Finance Bank Personal Loan by the following methods – 

  • You can also visit your loan branch and ask the banker for the same.
  • Log In to the Ujjivan Small Finance Bank Netbanking Portal, Click on loans from the top ribbon and click on Enquire to check the status of your loan.
  • Search for ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker webpage of Ujjivan Small Finance Bank, and fill the required information to check the status of your loan.

FAQs About Ujjivan Small Finance Bank Personal Loan

✅ How to apply for Ujjivan Small Finance Bank Personal Loan?

You can apply for a personal loan with Ujjivan Small Finance Bank by visiting the nearest branch of Ujjivan Small Finance Bank or through a simple form submission with Dialabank. With Dialabank, you get the benefit to apply from anywhere for a personal loan and get quick online approval.

✅ What is the Interest Rate for Ujjivan Small Finance Bank Personal Loan?

Ujjivan Small Finance Bank’s interest rate starts from 9.99% for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Ujjivan Small Finance Bank?

You must be at least 22 years old to apply for a personal loan with Ujjivan Small Finance Bank.

✅ What is the maximum age for getting a Personal Loan from Ujjivan Small Finance Bank?

The maximum age for availing a personal loan from Ujjivan Small Finance Bank is 58 years.

✅ What is the minimum loan amount for Ujjivan Small Finance Bank Personal Loan?

The minimum loan amount for getting a personal loan from Ujjivan Small Finance Bank is Rs. 50,000.

✅ What is the maximum loan amount for Ujjivan Small Finance Bank Personal Loan?

Ujjivan Small Finance Bank lets you take a maximum loan amount of Rs. 15 lakhs under the personal loan scheme.

✅ What are the documents required for Ujjivan Small Finance Bank Personal Loan?

You will require Aadhaar card/Voter ID, PAN card, salary slips of the last 6 months/ITR files of the last two financial years, and two recently clicked photographs for a personal loan from Ujjivan Small Finance Bank.

✅ What is the Processing Fee for Ujjivan Small Finance Bank Personal Loan?

Ujjivan Small Finance Bank charges a processing fee of up to 1% to 2% of the loan amount plus GST for the personal loan.

✅ How to get Ujjivan Small Finance Bank Personal Loan for Self Employed?

Ujjivan Small Finance Bank provides special offers for self-employed borrowers to aid them financially. You must have to provide the ITR files of the last two years as your income proof.

✅ What is the Maximum Loan Tenure for Ujjivan Small Finance Bank Personal Loan?

The maximum loan tenure period for a personal loan from Ujjivan Small Finance Bank is 60 months.

✅ What should be the CIBIL Score for Ujjivan Small Finance Bank Personal Loan?

Your CIBIL score must be 750 or above for availing a personal loan from Ujjivan Small Finance Bank.

✅ Do I have a preapproved offer for Ujjivan Small Finance Bank Personal Loan?

You can check out your preapproved personal loan offers from Ujjivan Small Finance Bank with Dialabank. Just fill the form, and we will check all the offers for you and get back to you to help you choose the best one.

✅ How to calculate EMI for Ujjivan Small Finance Bank Personal Loan?

You can use the EMI calculator accessible at Dialabank’s website to calculate your personal loan EMIs from Ujjivan Small Finance Bank.

✅ How to pay Ujjivan Small Finance Bank Personal Loan EMI?

Your personal loan EMIs from Ujjivan Small Finance Bank automatically takes from your bank account on a monthly basis. You can also use the net-banking services of Ujjivan Small Finance Bank to pay for your personal loan.

✅ How to close Ujjivan Small Finance Bank Personal Loan?

You must pay all the outstanding personal loan amount and then contact the Ujjivan Small Finance Bank branch for receiving your no dues certificate.

✅ How to check Ujjivan Small Finance Bank Personal Loan Status?

You will visit the Ujjivan Small Finance Bank branch to know the status of your personal loan. On the other hand, you can visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close Ujjivan Small Finance Bank Personal Loan Online?

For the closing of a personal loan from Ujjivan Small Finance Bank includes the following steps:

  • Visit the Ujjivan Small Finance Bank’s net-banking page.
  • Login by filling your details.
  • Pay your personal loan amount.
  • Save the transaction receipt.

✅ How to pay Ujjivan small Finance Bank Personal Loan EMI Online?

Your personal loan EMI can be paid through the net-banking facilities of Ujjivan Small Finance Bank. Dialabank allows you to compare offers and deals from various banks to choose the best, low-EMI personal loan. You just fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Ujjivan Small Finance Bank?

To check out the personal loan balance in Ujjivan Small Finance Bank, you must contact the customer care number of Ujjivan Small Finance Bank. If you are seeking for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download Ujjivan Small Finance Bank Personal Loan Statement?

The personal loan statement of Ujjivan Small Finance Bank can be downloaded using the Ujjivan Small Finance Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.

✅ How to Top Up Personal Loan in Ujjivan Small Finance Bank?

If you want a top-up on your personal loan from Ujjivan Small Finance Bank, you must visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us.

✅ What happens if I don’t pay my Ujjivan Small Finance Bank Personal Loan EMIs?

Ujjivan Small Finance Bank will charge a penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to avail of low-interest personal loans.

✅ How to find the Ujjivan Small Finance Bank Personal Loan account number?

You must contact your Ujjivan Small Finance Bank loan branch to know your personal loan account number. You may also fill out the form accessible at Dialabank and allow us to do the work for you.

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