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United Bank of India Personal Loan

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15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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 Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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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

Apply Now

United Bank of India Personal Loan

United Bank of India personal loan is the solution to all the instances in life when you need money. You can avail this loan to deal with a medical emergency or fulfill your dream of getting married, going on a vacation, buying a gadget or renovating your home. The United Bank of India Personal Loan is easy to apply and can be applied online from the comfort of your home.

Features and Benefits

Below are the key features of the United Bank of India personal loan:

  • Availability: United Bank of India personal loan is available to any Government employee, private corporate employee or pensioner.
  • Loan amount: The eligible loan amount depends on the type of organization you are working for. The bank has categorized the organizations into three major groups A, B and C. The employees of group A can avail the loan up to 15 lakh, subject to other eligibility criteria. The similar limit for group B and group C is Rs. 10 lakh and Rs. 5 lakh respectively.
  • Easy to apply: The entire process of loan application is online. You can select the appropriate personal loan for you out of three choices available: Government Employee, Private sector employee or Pensioner.
  • Attractive interest rate: The interest rate is one of the lowest in the personal loan category. The rates are also transparent, based on documents received by the bank.

Interest Rates of United Bank of India Personal Loan

The interest rates for a United Bank of India personal loan depend upon “Check-off” documents it receives from you and your employer. Below table shows Check-off wise interest rate for your ready reference.

With Full Check Off MCLR-Y+3.00% = 11.80% per annum
With Partial Check Off MCLR-Y+3.50% = 12.30% per annum
Without Check Off MCLR-Y+4.00% = 12.80% per annum

Kindly note, based on the change in MCLR, there may be an increase or decrease in the interest rate chargeable to your personal loan.

Comparison Table of Personal Loan Interest Rates offered by Various Banks/NBFCs

Bank/NBFCInterest Rates (% p.a.)
Aditya Birla Finance10.99 onwards
Axis Bank9.99 onwards*
Bank of Baroda10.15-18.00
Bajaj Finance Limited10.00-30.00
Bank of India10.85-16.15
Bank of Maharashtra8.75-13.55
Canara Bank9.70-15.15
Central Bank of India9.85-11.65
Cholamandalam IFC10.00-28.00
Dhani Loans & Services Ltd.13.99 onwards
Federal Bank12.00 - 22.50*
HDB Financial Services10.00 - 35.00
HDFC Bank9.99 onwards
Hero FincorpUp to 30*
HSBC Bank9.75 onwards
ICICI Bank9.99 onwards
IDFC FIRST Bank9.99 onwards
IIFL Finance12.00 - 28.00
Indian Overseas Bank10.25 onwards
IndusInd Bank10.35 onwards*
Kotak Mahindra Bank9.98 onwards*
L&T Finance11.00 onwards
Mahindra Finance8.00 - 25.00
Mannapuram Finance18.00 - 24.00
Moneyview14.00 onwards
Muthoot Finance13.50 onwards
Piramal Finance12.14 onwards
Poonawalla Fincorp9.99 onwards
Punjab & Sind Bank9.60-13.85
Punjab National Bank10.25-16.80
Shriram Finance11.00 onwards
Tata Capital10.99 onwards
UCO Bank9.95 - 13.20
Union Bank of India8.75 - 12.55
Note: Rates as of 17th April 2026

*Paisabazaar special rates

Additional Charges of United Bank of India Personal Loan

Below table provides the snapshot for fees and charges of United Bank of India fees and charges.

Type of Charges or Fees Amount or Percentage of Charges
Processing Fees 1.18% of the loan amount.There may be waiver or concession in the processing fee on specific festival or time period.

No processing fees are applied for availing OD under a personal loan.

Cheque Bounce Charges As per charge schedule for a current / savings account of the bank
Prepayment Charges As per Prevailing policy of United Bank of India.No prepayment charges for Pensioners’ personal loan.

Eligibility Criteria:

The United Bank of India provides a personal loan based on your employer category and monthly income. Below are the basic criteria for United Bank of India personal loan eligibility.

Applicant The applicant must be a government or private sector employee or pensioner.The applicant’s organization must be qualified as per Group A, B or C as per norms of United Bank of India.
Monthly Income Criteria After payment of existing and new loan EMI, the net saving should be minimum 40% of monthly salary.
Eligible Loan Amount Rs. 15 Lacs for the employees of Group A organization.Rs. 10 Lacs for the employees of Group B organization.

Rs. 5 Lacs for the employees of Group C organization.

Above limit is further capped to 10 months’ gross monthly income of the applicant.

Minimum Age 21 Years
Maximum Age 65 Years
Employers’ undertaking The undertaking in the prescribed format by the bank( For EMI and outstanding deduction from salary or benefits)

Documents Required:

United Bank of India offers you a personal loan based on the document you submit. However, you don’t have to submit the documents physically. All you need is to upload the documents on the official portal of the bank.

Mandatory Document PAN Card
Current Residential Proof Passport, AADHAR Card, Ration Card, Voter ID, Driving License, (Only one document)
Income Proof Bank statement of the last six months (The bank account must be salaried account or Pension Account).Last three months’ payslips

Copy of pension order in case of Pensioners’ personal loan.

Employment Proof I-card issued by the Government or private sector employer.Continued service letter from the employer, in specific cases.
Guarantor’s Documents Any document showing current address and identity of the guarantor.Any document showing a relationship with the applicant.

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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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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