- 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

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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.98%
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Hassle-Free Online Application
Minimum Documentation Requirement
No Collateral Requirement
Post Disbursal Cooling Off Period

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Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
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About Unity Small Finance Bank Personal Loan
Unity Small Finance Bank Personal Loan Highlights
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
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
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Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001
Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*








