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Ujjivan Home Loan

Ujjivan Small Finance Bank offers home loans to salaried and self-employed individuals for loan amounts of up to Rs 75 lakh and tenures of up to 20 years. The bank offers home purchase/construction loan, composite home loan (plot purchase and self-construction), and home improvement loan.
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4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Competitive Interest Rates

Starting 7.10% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.2% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest7.65% - 9.80%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.35% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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Ujjivan Home Loan Highlights

Interest Rates As per applicant’s credit profile
Loan Amount Up to Rs 75 lakhs
Loan Repayment Tenure Up to 20 years
Processing fee Rs 3,350 + GST

Ujjivan Home Loan Interest Rates

Ujjivan Small Finance Bank has not stated the home loan interest rates of its applicants. The final home loan interest rates offered to the loan applicant would vary according to the credit score , monthly income, job profile, employer’s profile, etc., of the home loan applicant.

Compare Interest Rates on Home Loans for Top Banks & HFCs

Name of Lender Loans of Up to Rs. 30 Lakh
Bank of India 7.10% p.a. onwards Check Eligibility
State Bank of India 7.25% p.a. onwards Check Eligibility
Punjab National Bank 7.20% p.a. onwards Check Eligibility
Canara Bank 7.15% p.a. onwards Check Eligibility
HDFC Bank 7.90% p.a. onwards Check Eligibility
Bajaj Housing Finance 7.40% p.a. onwards Check Eligibility
ICICI Bank 7.65% p.a. onwards Check Eligibility
Axis Bank *8.25% p.a. onwards Check Eligibility
Federal Bank *7.90% p.a. onwards Check Eligibility
Kotak Mahindra Bank 7.70% p.a. onwards Check Eligibility
IDFC FIRST Bank 8.85% p.a. onwards Check Eligibility
IDBI Bank 7.35% p.a. onwards Check Eligibility
RBL Bank 8.20% p.a. onwards Check Eligibility
Tata Capital Housing Finance 7.75% p.a. onwards Check Eligibility
PNB Housing Finance *7.20% p.a. onwards Check Eligibility
Sammaan Capital
(Formerly known as Indiabulls Housing Finance) 		8.75% p.a. onwards Check Eligibility
India Shelter Home Loan 8.43% p.a. onwards Check Eligibility
L&T Finance Limited *8.40% p.a. onwards Check Eligibility
Godrej Housing Finance 7.75% p.a. onwards Check Eligibility
Home First Finance 8.00% p.a. onwards Check Eligibility
Easy Home Finance 8.99% p.a. onwards Check Eligibility
Piramal Capital Housing Finance *8.25% p.a. onwards Check Eligibility
Shubham Housing Finance 10.45% p.a. onwards Check Eligibility
Punjab & Sind Bank 7.30% p.a. onwards Check Eligibility
Jio Housing Finance 8.20% p.a. onwards Check Eligibility
HDFC Sales Pvt Ltd 7.90% p.a. onwards Check Eligibility

Ujjivan Home Loan Fees and Charges

Processing fee

Ujjivan Small Finance Bank charges a non-refundable processing fee of Rs 3,350 for a home loan.

Foreclosure and Part-payment Charges

Foreclosure Charges (applicable only under fixed rate of interest period) If own funds: NILIf loan transfer to other banks: 3%
Part Payment charges NIL

Other Fees and Charges

CLADUM Charges (Credit, Legal, Administrative, Documentation, Upkeep and Maintenance Charges) Up to 2% of the loan amount + GST
CERSAI Charges For loan amounts above Rs 5 Lakh: Rs 100+ taxesFor loan amounts below Rs 5 Lakh: Rs 50 + taxes
Loan Cancellation Charges Up to 2%
ECS/ACH/Cheque Bounce Rs 250
Stamp duty and registration cost On actuals to be paid to the registration department
Duplicate amortization schedule issuance charge Rs 100 per instance
Duplicate statement issuance charge Rs 100 per instance

Types of Ujjivan Home Loan

Ujjivan Small Finance Bank offers three types of home loans, which are as follows:

Home Purchase and Home Construction Loan

  • Purpose: Applicants can apply for home loan from Ujjivan Small Finance Bank for purchasing or constructing new houses
  • Amount: Rs 2 lakh to Rs 75 lakhs
  • Tenure: 39 months to 20 years

Composite Home Loan (Plot Purchase and Self Construction)

  • Purpose: Prospective borrowers can avail home loan for for purchasing a new plot and constructing a home on it.
  • Amount: Rs 2 lakh to Rs 50 lakhs
  • Tenure: 39 months to 20 years

Home Improvement Loan

  • Purpose: Ujjivan SFB offers Home Improvemnt Loan to applicants for meeting expenses related to renovation / extension /repair of the existing home property
  • Amount: Rs 2 lakh to Rs 25 lakhs
  • Tenure: 39 months to 15 years

Pre-Qualified Top Up Home Loan

  • Purpose: Pre-qualified Top Up Loans are offered to existing eligible customers of Ujjivan Small Finance Bank for meeting any financial requirements
  • Amount: Rs 1 lakh to Rs 10 lakhs
  • Tenure: 39 months to 7 years
  • Interest Rate: 1% more than your core home loan interest rate

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Ujjivan Home Loan Eligibility Criteria

Ujjivan Small Finance Bank factors in the applicant’s income and loan requirement for home loan eligibility. Other factors such as age, liabilities, assets owned, and credit score can also be considered for home loan.

Ujjivan Home Loan Documents Required

The list of home loan documents required for availing Ujjivan home loan is as follows:

Common documents

  • PAN Card/ Form 60
  • Original property documents
  • Residence proof (any one of the following):

Passport/ Driving License/ Proof of possession of Aadhaar/ Voter’s Identity Card/ Job card issued by NREGA duly signed by an officer of the State Government/ Letter issued by the National Population Register containing details of name and address/ Aadhaar card

Income Documents

  • Latest 6 months Bank Statement/ Passbook
  • Income Tax Returns
  • Salary certificate wherever applicable
  • Form 16A wherever applicable

Business Proof Documents for Self-employed:

  • Business Registration documents
  • E-Bill
  • Udyog Aadhaar

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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FAQs

What is the minimum salary requirement for a home loan in Ujjivan Small Finance Bank?

Ujjivan Bank has not disclosed the minimum salary requirement for availing home loan. The minimum salary requirement set by most lenders is Rs. 25,000 per month.

Does Ujjivan Small Finance Bank check for CIBIL score for home loan?

Ujjivan Bank has not disclosed the cut-off credit score for availing home loan. Home loan lenders consider credit scores for determining the credit risk associated with their applicants as credit score indicates their creditworthiness. Banks/NBFCs usually prefer applications those having credit scores of 750 and above.

Can I avail two home loans at once from Ujjivan Bank?

Ujjivan Bank has not stated any such criteria regarding the number of times one can avail of a home loan. However, banks and HFCs usually allow their existing home loan borrowers to avail additional home loan provided they have adequate repayment capacity and meet the various eligibility criteria set by the lender like income, employment type, credit score, location and various property features, etc.

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What our customers say

Time saving process

Office ke chalte jyada samay nahi nikal pata tha. Paisabazaar ke online process ki wajah se na hi mene banks ke rates compare karliye ghar bathe balki mera loan application aur disbursal bhi ghar bathe hi ho gaya...bank jana hi nahi pada...

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Pradeep SinghJan 7, 2026

Kam rates pe loan mila

Paisabazaar se mujhe bahut kam rate pe loan mil gaya...isse mere budget pe jada asar nahi pada aur jald hi mera apna ghar ho jayega..

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Nidhi SharmaJan 6, 2026

eligibility check ho jati hai free

me home loan lene ka soch raha tha uske liye mene pehle paisabazaar app se free me apni eligibility check ki..usse mujhe pata chala muje kya cheeze improve karni hai aur fir mera loan jaldi approve ho gaya.

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Shikhar SahuJan 5, 2026

Home loan mila yaahaan par

Mujhe home loan chahiye tha aur yahaan par sahayta kiya inhone aur loan mila. Pehla loan tha mera lekin sab ache se ho gaya.

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Prem Prakash PandeyDec 7, 2025

Home loan here

I took home loan here and they helped me in every step specially in collecting and submitting documents at the time of approval.

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Chandan SinghDec 1, 2025

Got the best home loan interest rate

I was confused and did not have so much time to carry out all the research, so I logged in to Paisabazaar’s portal and was able to see the home loan options I was eligible for. With the assistance of Paisabazaar’s experts, I was able to find the home loan that offered the rate of interest I could afford. Thank you Paisabazaar!

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Anu BhatnagarSep 10, 2021

Excellent Home Loan Service by Paisabazaar

Ended up taking an ICICI Home Loan and I think it was one of the best decisions I ever made. I thank Paisabazaar for helping me out and answering my questions with so much patience.

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KJ ThomasSep 10, 2021

Had a great experience with Paisabazaar

I have always heard my friends talking about how tedious it was for them to avail a home loan and decide the most suitable option. But with the help of Paisabazaar, I was able to compare several home loans and opt for the one that suited my needs. I am happy that I considered Paisabazaar for helping me.

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Ritesh SharmaSep 10, 2021

quick and easy home loan process

I had never thought that applying for a home loan could be so easy. The entire process was online and I didn’t have to go anywhere for application or documentation of my home loan. Paisabazaar experts helped me navigate through the process and later the bank collected my documents and everything was quick and seamless.

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Rupanjali MishraSep 3, 2021

Satisfied experience with Paisabazaar

I am satisfied with my home loan experience with Paisabazaar. I could easily compare different home loan options and apply for the home loan. Their customer care team also called me to confirm all the details and soon after the bank contacted to take the process forward. The process was really smooth.

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Soumil KhannaSep 3, 2021
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