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Unity Small Finance Bank Personal Loan

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Valid till 30th April '26 *T&C Apply
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
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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 Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

Apply Now

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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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