Individual home loans

Ujjivan Home Loans

We specialise in tailored solutions for customers seeking assistance with home construction, purchases, renovations, and loans against property.

Home Purchase & Home Construction Loan

With Ujjivan SFB, we facilitate your journey towards owning a new home by offering accessible loan options.

  • Loan Amount range: Minimum ₹ 2,00,000 & Maximum ₹ 75,00,000
  • Rate of Interest (ROI): Starting from 8.75*% to 16.75% p.a. reducing
  • Tenure range (in months): Minimum 39 Months & Maximum 240 Months
  • Loan Processing fee : ₹ 3,350 + GST applicable (Non – refundable)
  • CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 1.0% - 2.0% of loan amount + GST applicable

Composite (Plot Purchase & Self Construction) Home Loan

Planning to invest in a plot and build your perfect home? You're at the right destination. We're committed to providing the financial support required to bring your dream to life.

  • Loan Amount: Minimum ₹ 2,00,000 & Maximum ₹ 50,00,000
  • Rate of Interest (ROI): Starting from 8.75*% to 17.75% p.a. reducing
  • Tenure range (in months): Minimum 39 Months & Maximum 240 Months
  • Loan Processing fee : ₹ 3,350 + GST applicable (Non – refundable)
  • CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 1.5% - 2.0% of loan amount + GST applicable

Home Improvement Loan

Every now and then, all households deserve a new look. Our Home Improvement Loan makes it much easier to renovate and repair your beloved home.

  • Loan Amount: Minimum ₹ 2,00,000 & Maximum ₹ 25,00,000
  • Rate of Interest (ROI): Starting from 8.75*% to 17.75% p.a. reducing
  • Tenure range (in months): Minimum 39 Months & Maximum 180 Months
  • Loan Processing fee : ₹ 3,350 + GST applicable (Non – refundable)
  • CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 2.0% of loan amount + GST applicable

Home Equity Loan (Non Home Loan)

Loan for Debt Consolidation, Extended Refinance for building constructed or purchased, mixed usage of loan and funding of mixed properties.

  • Loan Amount: Minimum ₹ 2,00,000 & Maximum ₹ 75,00,000
  • Rate of Interest (ROI): Starting from 10.99*% to 19.75% p.a. reducing
  • Tenure range (in months): Minimum 39 Months & Maximum 180 Months
  • Loan Processing fee : ₹ 3,350 + GST applicable (Non – refundable)
  • CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 2.0% of loan amount + GST applicable

Commercial Purchase Loan (Non Home Loan)

Purchase of commercial space, office outlet etc.

  • Loan Amount: Minimum ₹ 5,00,000 & Maximum ₹ 30,00,000
  • Rate of Interest (ROI): Starting from 8.75*% to 19.75% p.a. reducing
  • Tenure range (in months): Minimum 39 Months & Maximum 84 Months
  • Loan Processing fee : ₹ 3,350 + GST applicable (Non – refundable)
  • CLADUM charges (Credit, Legal, Administrative, Documentation, Upkeep of documents and Maintenance): 2.0% of loan amount + GST applicable

Note:

Life insurance and Property insurance premium as applicable

Stamp duty as applicable in states/UT

CERSAI charges

  • Rs 50 + GST for loans up to 5 lakh
  • Rs 100 + GST for loans above 5 lakh

Pre-qualified Top Up Loan

Leveraging the value of your relationship with Ujjivan SFB. With our pre-qualified top up loan, you can now fulfill your dreams

  • Loan amount : Minimum ₹1,00,000 & Maximum ₹ 10,00,000
  • Loan processing Fee: Zero
  • Rate of interest : only 1% more than your core loan ROI
  • Tenure range (in months): Minimum 39 months & Maximum 84 months
  • CLADUM charges : ₹5000 + GST

Note:

Applicable only for existing eligible customers

FAQ

What is the minimum and maximum loan amount for Ujjivan Home Loans?

Ujjivan Home Loans offer a minimum loan amount of ₹2,00,000, with the maximum amount extending up to ₹75,00,000.

What is the tenure range for Ujjivan Home Loans?

The tenure ranges from a minimum of 39 months to a maximum of 240 months, offering flexibility to suit different financial needs.

What are CLADUM charges and how are they calculated?

CLADUM charges include Credit, Legal, Administrative, Documentation, Upkeep of documents, and Maintenance fees. These charges typically range from 1.0% to 2.0% of the loan amount plus applicable GST.

Is there a pre-processing fee for Ujjivan Home Loans?

Yes, there is a non-refundable loan processing fee of ₹3,350 plus GST applicable for all loan types.

Are there any additional charges besides the processing fee?

Yes, additional charges include CERSAI charges and stamp duty as per the applicable state/UT regulations (shall be paid directly to the respective authorities), along with optional life and property insurance premiums (deducted from the disbursement amount)

What is the eligibility criteria for a Pre-qualified Top Up Loan?

Pre-qualified Top Up Loans are exclusively available for existing eligible customers (subject to Bank’s internal Policy) with a minimum loan amount of 1,00,000 and a maximum of 10,00,000

How is the rate of interest calculated for Pre-qualified Top Up Loans?

The rate of interest for Pre-qualified Top Up Loans is just 1% higher than the core loan's ROI, providing a competitive advantage for eligible customers.

Can Pre-qualified Top Up Loans be availed for any purpose?

Yes, these loans can be utilised for fulfilling various dreams or financial requirements of the customer, given they meet the eligibility criteria.

What is the tenure range for Commercial Purchase Loans?

The tenure for Commercial Purchase Loans ranges from a minimum of 39 months to a maximum of 84 months, catering to the specific needs of commercial property acquisition.

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