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Unity Small Finance Bank Personal Loan

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Hassle-Free Online Application

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Minimum Documentation Requirement

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No Collateral Requirement

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Post Disbursal Cooling Off Period

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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 ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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%

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End-to-End Digital Process

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 Personal Loan

  • Unity Small Finance Bank personal loans are offered at competitive interest rates to ensure that customers can access funds on affordable terms.
  • These tailored personal loans are available as per your needs based on your credit score.
  • Minimal documentation and no collateral is required to secure these loans.
  • When applying through Paisabazaar, customers can experience a hassle-free online loan process and end-to-end expert assistance.
  • These personal loans come with a flexible repayment schedule and a 3 days cooling off period after your personal loan is disbursed.

Unity Small Finance Bank Personal Loan Highlights

  • Interest rate: Min. APR- 16.00% p.a., Max. APR- 30.00% p.a.
  • Loan amount: Up to Rs 5 lakh
  • Repayment Tenure: 12 months to 3 years
  • Processing Fee: Up to 3% of the loan amount

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

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Features of Unity Bank Personal Loan

  • Purpose: Prospective personal loan borrowers can avail Unity Bank Personal Loan for any purpose such as marriage, office renovation, or medical emergencies, other than speculative purposes.
  • Loan amount: Rs 1 lakh to Rs 5 lakhs
  • Tenure: 6 months to 3 years

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

  • Age: 23-55 years
  • Minimum Monthly Income: Rs 20,000 per month (Rs 2.40 lakhs annually)
  • CIBIL Score: 675 or higher

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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What our customers say

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

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Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

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Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

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Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025

My loan got approved immediately

I wanted a loan and I was able to get it approved through Paisabazaar. It was instantaneous and I got the amount in my account in 2 days only.

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Priyam Sarkar MajumdarDec 10, 2025

I get loan from here

I get loan from Paisabazaar here and it is very quickly given to me.

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Bilal ZaidiDec 9, 2025
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