Ujjivan Small Finance Bank (Ujjivan SFB) offers inclusive and customer-friendly home loan solutions designed to support individuals in purchasing, constructing, renovating, or leveraging property. With loan amounts ranging from ₹2 lakh to ₹75 lakh and flexible tenures up to 240 months, the bank focuses on making homeownership accessible across income segments. Ujjivan SFB provides options such as home purchase loans, composite loans (plot + construction), home improvement loans, home equity loans, commercial purchase loans, and pre-qualified top-up loans. Backed by transparent charges, competitive interest rates, and digital servicing, Ujjivan SFB aims to simplify the housing finance journey.
| Ujjivan Small Finance Bank Home Loan offers flexible financing from ₹2 lakh to ₹75 lakh with a tenure of up to 240 months and transparent charges. With options for purchase, construction, renovation, commercial property, and top-up loans, Ujjivan SFB provides accessible housing solutions backed by competitive rates and digital support. |
Ujjivan Small Finance Bank Home Loan Highlights
Below is a snapshot of the key features of Ujjivan SFB Home Loans:
| Feature | Details |
| Minimum Loan Amount | ₹2,00,000 |
| Maximum Loan Amount | ₹75,00,000 |
| Tenure | 39 months to 240 months |
| Processing Fee | ₹3,350 + GST (Non-refundable) |
| CLADUM Charges | 1% – 2% of loan amount + GST |
| Top-Up Loan Range | ₹1,00,000 to ₹10,00,000 |
| Maximum Tenure (Top-Up) | 84 months |
Ujjivan Small Finance Bank Home Loan Interest Rates
Ujjivan SFB offers attractive and competitive interest rates across various home loan products. Final rates depend on the borrower’s credit profile and internal policies.
| Loan Scheme | Interest Rate |
| Home Purchase & Construction | As per the bank’s prevailing rates |
| Composite (Plot + Construction) | As per the bank’s prevailing rates |
| Home Improvement Loan | As per the bank’s prevailing rates |
| Home Equity Loan | As per the bank’s prevailing rates |
| Commercial Purchase Loan | As per the bank’s prevailing rates |
| Pre-qualified Top-Up Loan | 1% higher than core loan ROI |
| Factors Influencing Ujjivan Small Finance Bank Home Loan Interest Rates
The final interest rate offered to a borrower depends on multiple financial and regulatory factors:
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Also Read: Impact of Repo Rate Cut on Home Loan
Ujjivan Small Finance Bank Home Loan Processing Fee & Charges
The bank maintains a transparent fee structure as shown below:
| Charge Type | Amount / Rate |
| Processing Fee | ₹3,350 + GST (Non-refundable) |
| CLADUM Charges | 1% – 2% of loan amount + GST |
| Top-Up CLADUM | ₹5,000 + GST |
| CERSAI Charges (Up to ₹5L) | ₹50 + GST |
| CERSAI Charges (Above ₹5L) | ₹100 + GST |
| Stamp Duty | As per state laws |
| Insurance Premium | As applicable |
Note: CLADUM includes Credit, Legal, Administrative, Documentation, Upkeep & Maintenance charges.
Ujjivan Small Finance Bank Home Loan Eligibility
Eligibility is subject to internal bank policies and repayment capacity assessment.
- Minimum Loan Requirement: ₹2,00,000 (₹1,00,000 for top-up loans).
- Existing Customers: Pre-qualified Top-Up Loans are available only to eligible existing borrowers.
- Income & Repayment Capacity: Assessed as per internal credit norms.
- Tenure Eligibility: Minimum 39 months; maximum 240 months (depending on product).
Documents Required for Ujjivan Small Finance Bank Home Loan
To ensure smooth processing and faster approval of your Ujjivan Small Finance Bank Home Loan, applicants must submit the following documents along with the duly filled application form:
- Completed Application Form with recent passport-size photographs
- Identity Proof (Aadhaar Card, PAN Card, Passport, Voter ID, Driving License, etc.)
- Address Proof (Utility bills, Aadhaar, Passport, Rental Agreement, etc.)
- Age Proof (PAN, Passport, Birth Certificate, or Driving License)
- Income Proof – Salaried Applicants (Last 3 months’ salary slips, 6 months’ bank statements, Form 16)
- Income Proof – Self-Employed Applicants (Last 2 years’ ITR, Profit & Loss Account, Balance Sheet, 6 months’ bank statements)
- Property Documents (Sale Agreement, Title Deed, Approved Building Plan, Property Tax Receipts, etc.)
- Existing Loan Details (If applying for balance transfer or top-up)
- CERSAI and Insurance-related Documents as required by the bank
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Types of Ujjivan Small Finance Bank Home Loan
Ujjivan Small Finance Bank offers a diverse range of home loan products tailored to meet different residential and financial needs, from purchasing a new home to renovating, leveraging property value, or buying commercial space.
Overview of Ujjivan SFB Home Loan Types
| Loan Type | Minimum Loan | Maximum Loan | Maximum Tenure |
| Home Purchase & Construction Loan | ₹2,00,000 | ₹75,00,000 | 240 Months |
| Composite (Plot + Construction) Loan | ₹2,00,000 | ₹50,00,000 | 240 Months |
| Home Improvement Loan | ₹2,00,000 | ₹25,00,000 | 180 Months |
| Home Equity Loan | ₹2,00,000 | ₹75,00,000 | 180 Months |
| Commercial Purchase Loan | ₹5,00,000 | ₹75,00,000 | 15 Years |
| Pre-qualified Top-Up Loan | ₹1,00,000 | ₹10,00,000 | 84 Months |
1. Home Purchase & Home Construction Loan
This is the primary housing finance product designed for customers who wish to:
- Purchase a ready residential property, or
- Construct a house on owned land
It offers flexible tenure up to 240 months (20 years), and loan amounts up to ₹75 lakh, depending on eligibility and repayment capacity.
2. Composite (Plot + Construction) Loan
This loan is ideal for customers planning to:
- Purchase a plot of land, and
- Construct a house on it within a specified period
It combines plot purchase and construction financing under a single loan facility, offering funding up to ₹50 lakh.
3. Home Improvement Loan
Designed for homeowners who want to:
- Renovate or remodel their home
- Add structural extensions
- Upgrade interiors or undertake repairs
Loan amounts go up to ₹25 lakh with a maximum tenure of 180 months.
4. Home Equity Loan (Non-Home Loan)
This facility allows borrowers to:
- Mortgage an existing residential property
- Raise funds for business, education, debt consolidation, or personal needs
It offers loan amounts up to ₹75 lakh with a tenure of up to 180 months.
5. Commercial Purchase Loan
This loan is meant for purchasing:
- Office spaces
- Shops or commercial establishments
It provides financing up to ₹75 lakh with a tenure extending up to 15 years.
6. Pre-qualified Top-Up Loan
This product is exclusively for existing Ujjivan home loan customers with a good repayment track record.
Key features:
- Loan range from ₹1 lakh to ₹10 lakh
- Zero processing fees
- The interest rate is only 1% higher than the existing home loan rate
- Maximum tenure of 84 months
It can be used for various personal or financial requirements.
Also Read: All Bank Home Loan Interest Rates
Ujjivan Small Finance Bank Home Loan EMI Calculator
Your Amortization Schedule (Yearly/Monthly)
Borrowers can estimate their monthly installments using the EMI calculator:
- Visit the Financial Calculators section on the Ujjivan website.
- Enter the Loan Amount.
- Input the Interest Rate.
- Select the Tenure (in months).
- View the EMI amount along with the total principal and interest payable.
Also Check: Home Loan EMI Calculator
Apply for Ujjivan Small Finance Bank Home Loan
Applying for a home loan is simple and digital-friendly:
- Visit the official Ujjivan SFB website.
- Click on Apply Now under Home Loans.
- Fill in personal and loan requirement details.
- Submit the application form.
- A bank representative will contact you for documentation and further processing.
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Track Ujjivan Small Finance Bank Home Loan Application Status
Applicants can monitor their application through multiple channels:
- Use the Track Loan Application Status option on the website.
- Log in to Hello Ujjivan Mobile Banking App.
- Opt for Video Banking for personalized assistance.
- Contact customer care with the application reference number.
Ujjivan Small Finance Bank Home Loan Customer Care
For assistance, borrowers can reach out through the following channels:
| Channel | Contact Details |
| Toll-Free Number | 1800 208 2121 |
| Customer Support | 900 208 2121 |
| Digital Support | WhatsApp Banking & Video Banking |
| Grievance Redressal | Online complaint & feedback form |
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