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Unlock your dreams with our Loans

Explore our wide range of loans to realise your dreams. Whether it’s owning a new home, buying your dream two-wheeler or building your business, we offer tailored loan products to meet all your needs. Additionally, enjoy attractive interest rates, flexible repayment tenures, minimal documentation, and quick disbursals when you apply for a loan with Ujjivan SFB.

    • Get a loan ranging from ₹2 lakhs to ₹10 lakhs
    • Avail loan tenures of up to 7 years
    • Loans available for all purposes
    • Speedy processing and minimal documentation
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    • Business Loan
    • Agriculture & Allied Loan
    • Family Loan
    • WATSAN
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    • Loan Amount ranges from ₹25001 to ₹25 Lakhs
    • Minimal documentation & charges
    • Various repayment options i.e. Monthly Interest, Monthly EMI, Bullet Repayment.
    • Co-applicant/ guarantor not required.
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    • Business Loan
    • Home Improvement Loan
    • Livestock Loan
    • Top Up-Loan
    • Agriculture Loan
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    • Loans available for home purchase, plot purchase, home construction or renovation
    • Loan amount varies from ₹2 lakhs to ₹75 lakhs
    • Loan tenure ranges from 39 months to 240 months
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    • Get up to ₹ 2.75 lakhs to buy the two-wheeler of your choice
    • Up to 95% funding of the on-road price
    • Flexible tenure options, ranging from 12 to 48 months
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FAQs

1. Why should you choose Ujjivan Small Finance Bank for a loan?

Ujjivan SFB offers a wide variety of loans to cater to your different financial needs. We keep our customers at the forefront of everything we do. So, when you apply for a loan with us, you get to enjoy a hassle-free loan journey, minimal documentation, competitive rates, easy-to-meet eligibility criteria, and more. We strive to make your experience memorable.

2. How is the EMI on my loan calculated?

Your loan EMI consists of two components – the principal amount and the interest amount. The EMI calculation formula is as follows:

EMI = P * r * (1 + r)^n / ((1 + r)^n - 1), where P is the principal loan amount, r is the monthly interest rate (annual rate divided by 12), and n is the loan tenure in months. For easy and quick calculation of your loan EMI, use our online EMI calculator.

3. How to apply for a loan with Ujjivan SFB?

You can follow the steps below to apply for a loan with Ujjivan SFB:

Step 1: Visit Ujjivan SFB website or bank branch

Step 2: Fill out the loan application form

Step 3: Submit the required documents

If your documents are in place and you’re eligible for a loan, your loan application will be approved. Please note that loan approval is subject to the terms and conditions established by the bank.

4. What factors can affect my Loan EMI?

Some of the factors that may impact your loan EMI are:

  • Loan amount: The principal amount can significantly impact your loan EMI. A big-ticket loan translates to higher EMIs.
  • Interest rate: This is the cost of borrowing your money. A higher interest rate leads to higher EMIs.
  • Tenure: When you take a loan, you have the option to select your loan tenure. A longer tenure translates to lower EMIs. However, for long-term loans, you end up paying more towards the interest, increasing the overall cost of the loan. For shorter tenures, though your EMI will be on the higher bracket, you end up paying less towards the interest.
  • Loan prepayment: If you make partial payments towards your loan, your EMI may come down.

5. What documents do I need to provide to avail a loan?

Each loan product has specific terms and conditions. However, some of the common documents required to apply for a loan include Aadhar card and PAN card. In case of any queries, please reach out to us at 1800 208 2121.