Ujjivan Small Finance Home Loan Interest Rates June 2026

Home loans are available from Ujjivan Small Finance Bank to salaried and self-employed people with rates ranging from 9.5% – 18.99% p.a. for loans up to ₹75L and terms up to 20 Years. The bank provides home buying and building loans, composite homes (self-construction and plot purchases), and home improvements.

Ujjivan Small Finance Bank Home Loan Highlights

The table below pertains to Ujjivan Small Finance Bank Home Loan Interest Rate highlights:

Ujjivan Home Loan Highlights
Interest Rates	9.5% – 18.99%
Loan Amount	Up to ₹75L
Loan Repayment Tenure	Up to 20 Years
Processing Fee	₹ 3,350 + GST applicable (Non – refundable)

Ujjivan Small Finance Bank Home Interest Rates on Loan Schemes

Ujjivan Small Finance Bank offers the following schemes to its customers. For the full current rate details, refer to the Ujjivan Small Finance Bank home loan interest rate page before finalising your application.

Home Purchase and Construction Loan

Offering of a home financing facility for the purchase or construction of new homes.

• Loan Amount: ₹2 lakh to ₹75 lakh
• Loan Tenure: 3 years to 20 years

Composite Home Loan

Assisting in arranging the financial resources necessary to purchase a new plot and build a house.

• Loan Amount: ₹2 lakh to ₹50 lakh
• Loan Tenure: 3 years to 20 years

Home Improvement Loan

To set up funding to cover costs associated with remodelling, expanding, or fixing the current home’s property.

• Loan Amount: ₹2 lakh to ₹25 lakh
• Loan Tenure: 3 years to 10 years

Ujjivan Small Finance Bank Home Interest for Salaried and Self-Employed

Ujjivan Small Finance Bank offers home loans with interest rates starting as low as 9.5% for self-employed professionals and salaried employees. The offered rate depends on the applicant’s track record and other crucial variables such as income, age, and history of repayment. Use the Home Loan Eligibility Calculator to estimate your eligible loan amount before applying.

Ujjivan Small Finance Bank Home Interest for Govt Employees

Government employees pay the same home loan interest rates as any other client in Ujjivan Small Finance Bank. The sum and interest rates remain the same for everyone. The bank periodically offers excellent deals on their home loan programmes and competitive financing options.

Ujjivan Small Finance Bank Home Loan Interest Rate for Women

Ujjivan Small Finance Bank Home Loan Interest Rates comply with all relevant regulations to increase women’s empowerment and offer them better programmes. They provide a modest 3% government-approved stamp duty discount on loans.

Ujjivan Small Finance Bank Home Loan Interest Rate for NRI

NRI customers who hold home loan accounts with Ujjivan Small Finance Bank are qualified for several advantages. Interested parties can check their eligibility for a pre-approved personal loan by going to the bank’s official website and entering specific information.

What are Ujjivan Small Finance Bank Home Loan Interest Rate Fees and Charges?

The table below shows Ujjivan Small Finance Bank Home Loan fees and other charges:

Particulars	Charge
Foreclosure Charges (applicable only under a fixed interest rate period)	If own funds: NIL. If loan transfer to other banks: 3%.
Part Payment Charges	NIL
CLADUM Charges (Credit, Legal, Administrative, Documentation, Upkeep and Maintenance)	Up to 2% of the loan amount + GST
CERSAI Charges	For loan amounts above ₹5 lakh: ₹100 + taxes. For loan amounts below ₹5 lakh: ₹50 + taxes.
Loan Cancellation Charges	Up to 2%
ECS/ACH/Cheque Bounce	₹250
Stamp Duty and Registration Cost	On actuals, to be paid to registration department
Duplicate Amortisation Schedule Issuance Charge	₹100 per instance
Duplicate Statement Issuance Charge	₹100 per instance

How Can You Calculate Ujjivan Small Finance Bank Home Loan Interest?

Use the Home Loan EMI Calculator to accurately calculate the interest/EMI on the home loan instantly. Alternatively, use the following formula to calculate the EMI manually:

EMI = [P × R × (1+R)^N] / [(1+R)^N − 1]

Where:

• P is the principal amount
• R is the interest rate charged on the home loan
• N is the number of instalments over the tenure of the loan

Ujjivan Small Finance Bank Home Loan Interest Rates for Existing Customers

The table below highlights the Ujjivan Small Finance Bank Home Loan Interest Rates for existing customers.

Ujjivan Small Finance Bank Home Loan Schemes	Interest Rates
Home Purchase and Construction Loan	9.5% – 18.99%
Composite Home Loan (Plot Purchase & Self-Construction)	9.5% – 18.99%
Home Improvement Loan	9.5% – 18.99%

Factors that Affect Ujjivan Small Finance Bank Home Loan Interest Rate and EMI

Many factors affect the Ujjivan Small Finance Bank home loan interest rate and EMI. Once your loan is sanctioned, use the Home Loan Prepayment Calculator to estimate interest savings from early repayments, the Home Loan Tax Benefit Calculator to estimate your annual deductions under Section 80C and Section 24(b), and the Home Loan Balance Transfer Calculator to evaluate whether switching to a lower-rate lender makes financial sense. Key factors include:

• Credit Score
• Loan Tenure
• Location of the Property
• A stable income
• The LTV ratio
• The MCLR Rates