- Ujjivan Small Finance Bank offers funds at competitive rates to meet your immediate financial needs.
- These loans have minimum documentation requirements and need no collateral or security.
- Ujjivan Small Finance Bank personal loans can be repaid over a flexible tenure in easy EMIs.
- Consumers can also avail top-up loans up to Rs. 1 lakh after 6 months
- Moreover, there are no hidden fees or charges on personal loans.
Ujjivan Small Finance Bank Personal Loan
Ujjivan Small Finance Bank offers personal loans (branded as Individual Loans) starting from 23.00% p.a. onwards for loan amount ofup to Rs 3 lakh and for tenure of up to 3 years. The lender also offers top-up loans of up to Rs 1 lakh to Ujjivan Individual Loan borrowers over and above their existing personal loans....
Hassle-Free Digital Process
End-to-End Expert Assistance
Minimum Documentation Needed
Quick Approval and Disbursal

4.5/5
15.5L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed

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Instant Personal Loan
Get up to ₹50 Lakhs starting at 9.98%
4.5/5
15.5L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Hassle-Free Digital Process
End-to-End Expert Assistance
Minimum Documentation Needed
Quick Approval and Disbursal
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100% Digital Process*Quick Disbursal
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Tenure uptoUpto 6 Years
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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 Ujjivan Small Finance Bank Personal Loan
Ujjivan Bank Personal Loan Highlights
Rates as of 4 December 2025
Disclaimer: Ujjivan Small Finance Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Ujjivan Small Finance Bank for personal loans. No offers/services from Ujjivan Small Finance Bank are being provided by Paisabazaar for personal loans. For further information about Ujjivan Small Finance Bank for personal loans, users are required to reach out directly to Ujjivan Small Finance Bank.
Ujjivan Personal Loan Interest Rates
Ujjivan Small Finance Bank offers personal loan interest rates ranging from 23.30% p.a. to 24.80% p.a.
| Minimum Interest Rate | 23.30% p.a. |
| Maximum Interest Rate | 24.80% p.a. |
Ujjivan Small Finance Bank Personal Loan Fees and Charges
| Particulars | Charges |
|---|---|
| Processing Fee | 2% of loan amount |
| Late Payment Fee | Rs 100 per late EMI |
| Pre-closure Charges | 2% of outstanding principalIf the customer pre-closes the loan after paying 75% the loan amount, no pre-closure fees is charged
Not applicable for Home Improvement Loan (HIL) |
| Franking charge/Stamp duty | As per state laws |
Avail Personal Loan for
All Your Needs
Types of Ujjivan Small Finance Bank Personal Loan
Individual Business Loan (IBL)
Ujjivan Small Finance Bank offers Individuals Business Loans to its applicants for meeting their financial requirements for business related activities.
Individual Livestock Loan (ILL)
Consumers can avail Individual Livestock Loan to meet their financial requirements related to animal husbandry activities.
Home Improvement Loan (HIL)
Ujjivan Small Finance Bank offers Home Improvement Loans to individuals planning to get a home makeover.
Individual Agriculture Loan (IAL)
Ujjivan Bank offers Individual Agriculture Loans to its applicants to fulfil their financial requirements related to agriculture activities.
Individual Loan Top-up
Ujjivan Bank offers top-up loans of up to Rs 1 lakh to its applicants over and above the existing personal loans.
Eligibility Criteria for availing Ujjivan Personal Loan
Ujjivan Small Finance Bank offers Individual Loans to both salaried and self-employed individuals. However, the lender has not disclosed its eligibility criteria for their personal loan applicants in terms of their age, monthly income, credit score, etc.
Documents Required for availing Ujjivan Personal Loan
The applicants of Ujjivan Small Finance Bank Individual Loans are required to submit the following documents:
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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