- Interest rate: Min. APR- 16.00% p.a., Max. APR- 30.00% p.a.
- Loan amount: Up to Rs 5 lakh
- Repayment Tenure: 6 months to 3 years
- Processing Fee: Up to 3% of the loan amount
Unity Small Finance Bank Personal Loan
Unity Small Finance Bank offers personal loans @ 16% p.a. onwards for loan amount of up to Rs 5 lakhs and for tenures of up to 3 years. Unity Bank Personal Loans can be availed to finance varied personal requirements including child’s education, wedding, travel, medical emergencies, home or office renovation, purchase of electronic and household goods, etc.
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Valid till 30th September '25Voucher on disbursalValid till 30th September '25*T&C Apply
Check Personal Loan Offers Online
Customer Rating
4.2/5
2839 Reviews
51M+Satisfied Customers
65+Lending Partners
800+Cities across India
Paisabazaar Exclusive Benefits
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless
Personal Loan EMI Calculator
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Find Best Personal Loan Offers
HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
Why Choose Paisabazaar?
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How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
About Unity Small Finance Bank
Unity Small Finance Bank Personal Loan Interest Rate
Unity Small Finance Bank has not disclosed the personal loan interest rates. However, the small finance bank has specified the Annual Percentage Rate (APR) starting @ 16% p.a. The APR of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the documentation fees, processing fees and other fees charged during the loan origination.
| Type | Interest Rate (p.a.) |
| Minimum APR | 16.00% |
| Maximum APR | 30.00% |
Fees and Charges of Unity Bank Personal Loan
Foreclosure Charges
| Months on Board (MOB) | Charges plus GST |
|---|---|
| After 12 months post the lock-in period | 3% of the principal outstanding |
| Within the first 12 months post the lock-in period | 5% of the principal outstanding |
Partial Preclosure Charges
| Particulars | Charges plus GST |
|---|---|
| Partial Preclosure Charges | 5% of the principal being repaid + GST Or as rolled out by the Bank and intimated to the customer |
Other Fees & Charges
| Particulars | Charges |
|---|---|
| Processing Fees | Up to 3% of the loan amount |
| Cheque Bounce Charges | Rs 500 |
| Stamp Duty Charges | Payable as per actuals by the customer |
| Cheque Swap Charges | Rs 1,500 |
| Penal Charges | 36% p.a. on the overdue amount for the default period |
| Insurance (Credit Shield) | If opted by the borrower voluntarily, As per the guidelines of the Insurer |
| Amortization schedule statement/ Statement of Accounts/Duplicate No-Dues/Foreclosure statement charges/NOC charges | One request per year is free Rs 100 for every additional request + GST |
| Loan cancellation/fees | Nil; the cancellation is allowed only within the cooling off period (Only applicable interest and upfront fees to be retained) |
| Recovery/collection charges | Rs 300 per visit + GST |
| E-Mandate Failure Charges | Rs 500 + GST |
Features of Unity Bank Personal Loan
Eligibility Criteria for Unity Bank Personal Loan
Unity Small Finance Bank considers the credit score, age and monthly income of its applicants while evaluating their personal loan eligibility
Unity Small Finance Bank Personal Loan Documents Required
Stated below are the personal loan documents required for availing a personal loan from Unity Small Finance Bank.
- Aadhaar Card
- PAN Card
- Bank Statement Details of last 6 months
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
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Last updated: 31 August, 2025
Reviewed By
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Written By
Shamik GhoshPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners
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