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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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The loan was approved the same day — super smooth and transparent process.

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