- 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
4.5/5
15.6L 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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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

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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Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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