Loan Interest Rates
Discover the latest interest rates that are applicable across all our loan products.
| Microfinance loan - Product name | Minimum Interest Rate*(%) | Maximum Interest Rate* (%) | Average Rate of Interest in last quarter** (%) | Processing Fees (% of the loan), if range, give range |
|---|---|---|---|---|
| Kisan Pragati Card Cash Credit | 13.00% | 15.00% | 14.50% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan Pragati Card Term Loan | 15.00% | 17.00% | 16.60% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan pragati card OD | 11.00% | 13.00% | 12.70% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan pragati card Pisciculture OD | 13.00% | 15.00% | 15.00% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan pragati card Pisciculture TL | 15.00% | 17.00% | 17.00% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan pragati card Poultry OD | 13.00% | 15.00% | 14.10% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Kisan pragati card Poultry TL | 15.00% | 17.00% | 15.90% | Loans up to 3 lakhs: Nil; Loans above 3 lakhs: 1% to be charged upfront at the time of sanction + GST |
| Overdraft against Property | 10.00% | 17.00% | 13.00% | - |
| Business Edge Term Loan | 10.00% | 14.00% | 11.50% | - |
| Business Edge OD | 9.00% | 13.00% | 10.70% | - |
| Agri Group Loan | 22.00% | 22.00% | 22.00% | - |
| Group Loan | 21.90% | 23.10% | 22.50% | 1.2% of loan amount (Excluding applicable GST) Applicable for loans above INR 25,000 |
| Gold Loans | 14.50% | 15.00% | 14.75% | 1.2% of loan amount (Excluding applicable GST) Applicable for loans above INR 25,000 |
| Home Construction/Purchase Loans | 8.75%* | 16.75% | 13.02% | https://www.ujjivansfb.in/personal/loans/home-loans |
| Home Improvement Loans | 8.75%* | 17.75% | 15.47% | https://www.ujjivansfb.in/personal/loans/home-loans |
| Home Equity Loans | 10.99* | 19.75% | 15.99% | https://www.ujjivansfb.in/personal/loans/home-loans |
| PMSVANidhi | 24.00% | 24.00% | 24.00% | - |
| Individual Loans | 24.25% | 25.50% | 24.88% | 1.2% of loan amount (Excluding applicable GST) Applicable for loans above INR 25,000 |
| Kisan Suvidha Loan | 23.25% | 23.25% | 23.25% | - |
| Loan Against Property - SENP - SEP | 17.00% | 19.00% | 18.20% | - |
| Personal Loans | 11.49% | 16.49% | 13.99% | - |
| Secured Enterprise Loan | 10.00% | 17.00% | 14.40% | - |
| Two-Wheeler Loan | 21.00% | 26.00% | 21.51% | Up to 4% |
| MSME Loan Against Rent Receivable | 9.00% | 14.00% | 12.10% | Upto 2.5% + GST |
| CGTMSE Term Loan | 11.00% | 15.00% | 13.00% | - |
| CGTMSE Overdraft facility | 10.00% | 15.00% | 12.00% | - |
| UNSECURED OVERDRAFT FACILITY | 16.22% | 18.25% | 18.25% | - |
| GECL (ECLGS) | 9.25% | 9.25% | 9.25% | - |
| Composite Home Loans | 8.75%* | 17.75% | 13.20% | https://www.ujjivansfb.in/personal/loans/home-loans |
| Commercial Purchase Loans | 10.99% | 19.75% | 14.71% | https://www.ujjivansfb.in/personal/loans/home-loans |
| Vikas Loan | 16.00%* | 24.00% | 19.80% | https://www.ujjivansfb.in/personal/loans/vikas-loan |
| BusiMoni OD | 16.00% | 20.00% | 16.03% | OD Limit - Up to 1 Lakh Above 1 Lakh Charges Rs 1,000 plus taxes as applicable Rs 1,500 plus taxes as applicable |
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