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 Jan 2021

      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 you time
      2. No need for any guarantor: You do not need any guarantor for this type of loan which makes it one of the easiest products to avail of.
      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 the case of rented apartments, a 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 Up to 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 approves 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

      Ujjivan Small Finance Bank Personal Loan Overdraft Facility

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as an Ujjivan Small Finance Bank individual advance. The adaptable improvement office has all the gigantic features of a slight overdraft credit.

      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 Employees

      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 require 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.

      Home Renovation Loan

      To cover the cost of renovation of your home and the expenditure on furniture, Ujjivan Small Finance Bank gives out the Home Renovation Loan. The key features of the Ujjivan Small Finance Bank home renovation loan are as follows:

      • The home renovation loan schemes and policies are simple and available with easy documentation.
      • The Ujjivan Small Finance Bank Home loan is available for both existing and new customers.
      • This individual unsecured loan is available at least an interest rate of 8.00% p.a.

      Holiday Loan

      Solo Trip or Family International trip, every holiday plan can be executed and enjoyed with the help of Holiday Loan. Following are the attractions of Holiday Loan provided by the Ujjival Small Finance Bank.

      • Ujjivan Small Finance Bank make sure to credit the loan in an instant.
      • The processing fee is very less.
      • The interest rate applicable to the Holiday Loan is 11.25% and so on.

      Fresher Funding

      Ujjivan Small Finance Bank is determined to help newcomers in their business plans and hence provided  Fresher Funding to grow the business without worrying.

      The following are the key features that the Ujjivan Small Finance Bank Freshers Funding exhibit:

      • A decent amount is given to the applicants.
      • The candidate must be 21 years of age or more.
      • The interest rate charges are dependent on the applicant’s profile.

      NRI Personal Loan

      A special loan category is Ujjivan Small Finance Bank NRI Personal Loan, available for international students/business holders. For some reason, if they need more funds, with the help of Indian residents they can easily avail this Loan. The important features of the individual loan are as given below:

      • Flexible Loan periods and attractive interest rates are available.
      • No collateral or security is demanded the advance disbursement.
      • The document proof is required to be attached for both the Indian resident (primary borrower) and the NRI candidate (co-applicant).

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

      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. 

      Personal Loan Verification Process

      The following steps are a must after you apply for a Personal Loan in Ujjivan Small Finance Bank  which is as mentioned below:

      • Once submitted the form with Dialabank, your application for a Personal Loan is move forward by the Bank.
      • For verification, the bank gives a call to the customer.
      • Post verification on the telephone, bank schedules for collection of required documents.
      • After the verification of the Loan required documents, further verification takes place.
      • Second verification confirms, the loan amount, interest rates, and timeline of the Loan.
      • once the customer confirms everything the loan amount is credited to the customer’s account.

      Check your Ujjivan Small Finance Bank Personal Loan Application Status

      The Ujjivan Small Finance Bank Loan application can be tracked in simple easy steps as follows:

      • 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 in the required information to check the status of your loan.

      How to Login to Ujjivan Small Finance Bank Portal

      • Navigate through the Ujjivan Small Finance Bank Website.
      • Log in with your Ujjivan Small Finance Bank login ID and Password.
      • Hit the login key and get access to the bank portal easily.

      Ujjivan Small Finance Bank Personal Loan Statement

      • Visit the official website of Ujjivan Small Finance Bank
      • Guide through the page and click on the “Register New Loan”.
      • give in all the required details.
      • Now click on the submit key.
      • Submit the OPT that will direct you to register for Loan Statement.

      Ujjivan Small Finance Bank Personal Loan Restructuring (COVID-19)

      In the midst of the pressure of COVID-incited lockdown, The Ujjivan Small Finance Bank showed a drive to decrease the weight on its borrowers. The bank commanded the RBI ban that finished in the period of September. In this manner, all the borrowers were foreseen to continue back to the past EMI plans. Be that as it may, the borrowers were as yet in pandemonium concerning how to reimburse the extraordinary with progressing monetary crunches. Considering the unfavorable circumstance Ujjivan Small Finance Bank presented another structure that underpins the reason for its borrowers allowable by the RBI.

      The alleviation system is pointed toward destressing the borrowers by falling monetary pressure. This new system gives the borrower freedom to stretch out the reimbursement residency as long as 2 years at specific outcomes. The all-inclusive unwinding will invite an additional financing cost on the remarkable sum and along these lines, the advance will be named as “Rebuilt” in the credit report of the recipient. Bringing about a comment on the borrower’s FICO rating, in this manner, the borrowers are encouraged to select the component in most troublesome conditions in any case the reimbursement plans must get the strings as in the past.

      Ujjivan Small Finance Bank Customer Care

      • Via Phone: By giving a call on this number 9878981166, you can have assistance from the respective bank
      • Via Chatbox: You can use the chatbox for dropping any feedback or suggestion.
      • Branch Visit: By taking a trip to the bank, you can gain information about Personal Loans.

      Benefits of Applying for Personal Loan on Dialabank

      • Convenient: When the candidate applies for a personal loan with Dialabank. The customer can easily get in touch with the bank and have 24*7 accessibility.
      • Least Documentation: While applying for a Personal Loan with Dialabank the applicant goes through a very simple procedure along with the perks of basic documentation.
      • Multipurpose Platform: The applicant is recommended not to limit their options as Dialabank gives you the liberty to select and compare different financial institutions at once.
      • EMI Calculator: You can easily know the applicable EMI on your Personal Loan with Dialabank’s customer-friendly EMI Calculator that gives accurate EMI Payable on your Personal loan based on the interest rate.

      Important Aspects

      Below are a couple of points that should be thought about before applying for a Personal Loan:

      • The FICO rating decides whether the candidate is qualified for the given credit, so it is prescribed to investigate the Credit Score before pitching a Loan application. In the greater part of the situation, the feeble financial assessment just prompts a straight dismissal of the application.
      • It is prudent to keep the advance sum as least as could be expected under the circumstances. Since the reimbursement of a lesser sum is simple and brief. The reimbursement limit of the candidate is of most extreme significance while applying for a Personal Loan so the credit sum should be profited according to the necessity instead of benefiting higher advance sum because of its simple accessibility.
      • Go for the bank or establishment offering the top tier administration and financing cost for the advance sum you require. Think about and dissect before agreeing to one bank. In the Credit World, the banks are offering serious financing costs and residencies for the advance sum so a second investigation the banks will just profit you.

      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 of 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 an Aadhaar card/Voter ID, a 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 of 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 every month. 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?

      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.
      • Log in by filling in 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 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.

      ✅What is the Ujjivan Small Finance Bank Personal Loan personal loan customer care number?

      Contact 9878981166 for any queries.

      What are the Ujjivan Small Finance Bank Personal Loan pre-closure 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. One can go through the table mentioned above.

      ✅What is the Ujjivan Small Finance Bank Personal Loan personal loan closure procedure?

      1. Visit the bank with the complete set of documents (as mentioned above).
      2. You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
      3. Pay the pre-closure amount.
      4. Sign the required documents, if any.
      5. Take acknowledgment of the balance amount you have paid.

      ✅What is the Ujjivan Small Finance Bank Personal Loan Overdraft Facility?

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

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