Ujjivan Small Finance Bank Personal Loan

Name: Ujjivan Small Finance Bank Personal Loan
Brand: Paisabazaar
Rating: 4.2 (2839 reviews)

Ujjivan Small Finance Bank offers personal loans (branded as Individual Loans) starting from 23.00% p.a. onwards for loan amount of up 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.

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Get up to ₹1,000*

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Valid till 15^th November '25

Valid till 15^th November '25*T&C Apply

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Customer Rating

4.2_/5

2839 Reviews

51M+Satisfied Customers

65+Lending Partners

800+Cities across India

Paisabazaar Exclusive Benefits

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

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 Personal Loan

Ujjivan Personal Loan Interest Rates

Ujjivan Small Finance Bank Personal Loan Fees and Charges

Types of Ujjivan Small Finance Bank Personal Loan

Why Choose Paisabazaar?

Compare & Choose the Best Offer

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 Personal Loan

Interest Rate: 23.00%-24.50% 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 2 April 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 24.25% p.a. to 25.50% p.a.

Minimum Interest Rate	23.00% p.a.
Maximum Interest Rate	24.50% 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

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.

Avail Personal Loan For
All Your Needs

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 Ujjivan Lenders

Avail Personal Loan For
All Your Needs

What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency & need funds instantly I applied for loan at Paisabazaar & see I have a pre approved offers & apply to it & amount disbursed in 48 hours thanks to paisabazaar teams

Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn't know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

Pankaj SinhaSep 22, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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*Applicable for selected customers