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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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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%

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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

  • 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 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

  • 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

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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

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Feedback - Customer support

I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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EZAKIEL BSep 18, 2025
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