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Why Ujjivan Small Finance Bank?

RBI
Licenced-Scheduled
commercial bank
574+
banking
touch points
24
States/Union territory presence
across 221 districts
51
lakh+ happy
customers
Best
IPO in BFSI in
last 4 years
24*7
safe and
secure banking

Why Ujjivan Bank & Affordable Housing Loan?

Customised Solution

We give loan suiting to your needs with customised repayment options along with our flexible eligibility decision

Minimum Documentation

We ensure that your journey to avail loan is hassle free

Doorstep Banking

We value your time that is why we serve you at your doorstep

Faster Loan Processing

We ensure a shorter journey to your dream home

Customer testimonials

Rajendra Singh

Rohtak Branch

“ I always have a hassle free and satisfying experience dealing with Ujjivan small finance bank. All my service requests are processed easily and quickly by the bank.“

Rahuli Jain

Kharagpur Branch

"The employees of the bank are very knowledgeable and genuinely assist during the transaction. My questions and problems have been duly addressed and I am very much satisfied with the services provided to me by Ujjivan small finance bank”

Milan Dutta

Biswanthpur Branch

“ I am a housing loan customer of Ujjivan SFB. The bank helped me get a loan fast and hassle –free with minimum documentation. The behaviour of the employees is also very amiable”

Press & Mentions

Awards & recognition

BFSI Awards, 2019 in 'Finance Sector'.

IFC & IiAS award in February 2019 for Indian Corporate Governance

DSCI Excellence Awards, 2018 for ‘Security Practices in Small Finance Banks’.

IBA Awards for 'The Best IT Risk Management and Cyber Security Initiative’

6th ASSOCHAM SMEs Excellence Award, 2018 for ‘Excellent Service’

Best Security Practises in Small Finance Bank’ award during AISS 2018

Ranked 3rd among India’s Best Companies to Work For by Great Places to Work Institute

How it works

Once you register with us

Get a call back*

Meet our expert to complete the documentation*

Loan processing and decision*

Loan documentation and disbursement*

FAQs

1. What are the documents required to avail home loan from Ujjivan?

For Salaried Individuals

  • Proof of Residence - Any one of Ration Card/Telephone Bill/Electricity Bill/Voters Card/Aadhar Card.
  • Proof of Identity - Any one of Voters Card/Drivers License/Aadhar Card/Passport.
  • Latest 6 months Bank Statement/Passbook.
  • Original Property Documents.
  • Salary certificate wherever applicable.
 

For Self-Employed Individuals

  • Proof of business – Business registration proof, E-bill, Rent agreement etc.
  • Proof of Residence - Any one of Ration Card/Telephone Bill/Electricity Bill/Voters Card/Aadhar Card.
  • Proof of Identity - Any one of Voters Card/Drivers License/Aadhar Card/Passport.
  • Latest 6 months Bank Statement/Passbook.
  • Original Property Documents.

2. How will Ujjivan decide my home loan eligibility?

Ujjivan assess the customer's repayment capacity based on household income and loan requirement.

3. What properties can be considered as a collateral for home?

You can provide your self-occupied residential property as collateral where construction is proposed or the property you are going to buy in case of Home Purchase Loan.

4. What is interest rate for pre-EMI and EMI?

EMI interest rate is 12.75-17.75% depending on customer profile and requirement.

Pending final disbursement, you pay interest on the portion of the loan disbursed. This interest is called pre-EMI interest. Pre-EMI interest is payable every month from the date of each disbursement up to the date of commencement of EMI. The interest rate is same as that of EMI.

*Conditions apply. All Home Loans from Ujjivan Small Finance Bank Credit are at sole discretion of Ujjivan Small Finance Bank.

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