Ujjivan Small Finance Bank Personal Loan

Hassle-Free Digital Process

End-to-End Expert Assistance

Minimum Documentation Needed

Quick Approval and Disbursal

Hassle-Free Digital Process

End-to-End Expert Assistance

Minimum Documentation Needed

Quick Approval and Disbursal

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15.5L Reviews

51M+Satisfied Customers

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800+Cities across India

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Google Play Store

4.5_/5

15.5L Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Find Best Personal Loan Offers

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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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About Ujjivan Small Finance Bank Personal Loan

Ujjivan Bank Personal Loan Highlights

Ujjivan Personal Loan Interest Rates

Ujjivan Small Finance Bank Personal Loan Fees and Charges

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Pre-approved Offers with Instant Disbursals

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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 Ujjivan Small Finance Bank Personal Loan

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 Bank Personal Loan Highlights

Interest Rate: 23.30%-24.80% p.a.
Loan Amount: Rs. 50,000 to Rs. 3 lakh , Rs. 51,000 to Rs. 1 lakh (for Individual Agriculture Loans)
Tenure: Up to 3 years
Processing Fees: 2% of the loan amount

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

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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:

PAN card or Form 60
1 photograph of the applicant and co-applicant
Aadhar card/driving license/voter ID/Passport
Bank statement for last 6 months (shouldn’t be older than 45 days)

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

Explore Our Personal Loan Lenders

Avail Personal Loan For
All Your Needs

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What our customers say

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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My loan got approved immediately

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Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Same day approval. wow.

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

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Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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