Ujjivan Small Finance Home Loan Interest Rates July 2026

How much is the Ujjivan Small Finance Bank home loan interest rate 2026?

The Ujjivan Small Finance Bank home loan interest rate starts at 9.5% p.a. for Home Purchase & Home Construction Loans, subject to the applicant’s profile, loan amount, and applicable terms. The bank offers different rates for different housing finance products. The bank determines the final rate based on the applicable product and borrower profile. It provides diverse credit facilities, with repayment tenures stretching up to 20 Years.

Ujjivan Small Finance Bank Home Loan Highlights

Ujjivan classifies its housing finance products into targeted schemes based on the exact purpose of your funding:

Loan Scheme / Product	Starting Interest Rate (p.a.)	Minimum Loan Amount	Repayment Tenure
Home Purchase & Construction (Self-Construction / Ready / Under-Construction)	9.50% p.a. onwards	₹5 Lakh	Up to 20 Years
Composite Home Loan (Plot Purchase & Self-Construction)	9.50% p.a. onwards	₹2 Lakh	Up to 20 Years
Home Improvement Loan	9.99% p.a. onwards	₹2 Lakh	Up to 10 Years
Home Equity Loan (LAP / Non-Housing)	10.75% p.a. onwards	₹2 Lakh	Up to 15 Years

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

Ujjivan Small Finance Bank offers home loans with starting interest rates tailored to both self-employed professionals and salaried employees. The final rate depends on the applicant’s track record, financial stability, 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 other retail clients at Ujjivan Small Finance Bank. The final pricing depends entirely on their individual profile and product selection. The bank periodically offers competitive financing options and specific campaign offers.

Ujjivan Small Finance Bank Home Loan Interest Rate for Women

Ujjivan Small Finance Bank aligns its home loan programs with government initiatives supporting women’s empowerment. While the bank itself does not award a proprietary interest discount, women borrowers can avail of a government-approved stamp duty discount on loans in states where local regulations provide this concession.

Ujjivan Small Finance Bank Home Loan Interest Rate for NRI

NRI customers holding eligible accounts with Ujjivan Small Finance Bank can apply for designated housing finance options. Interested parties can check their eligibility and requirements on the bank’s official website by completing the digital contact form.

Fixed vs Floating Rate at Ujjivan SFB

The availability of fixed vs. floating-rate variants depends on the specific product and individual sanction terms. For instance, some of the bank’s promotional campaigns feature hybrid-structure home loans, in which the rate remains fixed for the first 39 months and then shifts to floating thereafter.

Prepayment or foreclosure charges are governed by the underlying rate type and funding source:

• Floating Interest Rates: Under RBI guidelines, prepayment and foreclosure charges are completely NIL if the borrower executes prepayment using their own funds.
• Fixed Interest Rates: During a fixed-rate period, the following fee structures apply:

Part-Prepayments: NIL (No part-payment penalty applies).

Foreclosure Charges (Full prepayment):

• Own source of funds: NIL.
• Loan transfers/other sources: 3% charge on the outstanding balance.

How Ujjivan Rates compare to other SFBs & HFCs

When conducting a Home Loan Interest Rate Comparison, checking rates across different lenders is key to finding the best deal. Small Finance Banks (SFBs) structure their pricing depending on the risk tier of their target demographics.

What are Ujjivan Small Finance Bank home loan interest rate charges?

The table below shows the verified schedule of charges for Ujjivan Small Finance Bank Home Loans:

Particulars	Approx. Charges
CLADUM Charges (Credit, Legal, Administrative, Documentation, Upkeep & Maintenance)	0.20% + GST for prime salaried home loans up to ₹1 Crore 0.50% + GST for prime self-employed home loans up to ₹1 Crore 1.5% to 2.0% + GST for certain semi-formal/informal products
CERSAI Charges	₹50 + GST for loans up to ₹5 Lakh ₹100 + GST for loans above ₹5 Lakh
Loan Cancellation Charges	Up to 2.0% of the loan amount
ECS/NACH/Cheque Bounce Charges	₹500 + GST per instance
Late Payment / Penal Charges	2.5% + GST per month on the overdue amount
Stamp Duty & Registration Costs	On actuals, payable directly to the state registration department
Duplicate Amortisation Schedule / Statement	₹100 + GST per instance

How to calculate Ujjivan Small Finance Bank home loan interest?

Use the official Home Loan EMI Calculator on the Ujjivan website to accurately project your EMIs and break down interest payments. For manual estimation, apply this formula:

EMI = P × r × (1 + r)^n / ((1 + r)^n – 1)

Where:

• P = Principal loan amount
• R = Monthly interest rate (Annual rate divided by 12 months, then by 100)
• N = Loan tenure in months

What factors affect Ujjivan Home Loan Rate?

When evaluating your profile, Ujjivan SFB looks at several key parameters to determine your pricing and creditworthiness:

• Applicant Profile & Income Stability: Standard salaried individuals with steady payroll deposits or self-employed individuals with strong, consecutive tax filings represent less credit risk.
• Loan to Value (LTV) Ratio: Securing a larger down payment lowers the LTV ratio, signaling that you have significant equity in the property. This lower risk often translates to better lending terms.
• Credit Score: A higher credit score (such as a strong CIBIL report) suggests reliable repayment habits. While a score like 750+ is widely considered a general benchmark by lenders to offer competitive interest rates, it is a general lending factor rather than a guaranteed threshold.
• Selected Scheme and Purpose: Standard home construction or purchase schemes enjoy lower risk-based pricing compared to specialized products like top-ups, home improvement, or non-housing home equity loans.

How to get the lowest rate from Ujjivan SFB

Here is how you can get the lowest rate for your Ujjivan home loan:

 

• Maintain a Strong Credit Profile: Regularly paying off outstanding credit card balances and other debts on time helps build a robust credit history before you apply for credit.
• Declare All Income Streams: Providing comprehensive proof of income, including ITRs, business ledgers, and formal bank statements, reduces perceived risk.
• Opt for a Higher Down Payment: By borrowing a lower percentage of your home’s actual value, you reduce the bank’s
  

  How to apply for a home loan with Urban Money?

   exposure, which can qualify you for better pricing.

• Use Eligibility Tools Early: Play with the Home Loan Eligibility Calculator to check your threshold so you do not overborrow and keep your debt-to-income ratio in a healthy range.

You can apply for a home loan through the Urban Money website. Follow these straightforward steps to submit your application:

• Visit the official Urban Money digital portal.
• Navigate to the main menu and select the Home Loan category.
• Browse and compare different loan options.
• Click the Enquire Now button next to your preferred loan option.
• Enter your basic contact information, including your full name, city, and active mobile number.
• Verify your identity using the unique OTP security code sent directly to your registered mobile number.

Once you submit your details, an Urban Money loan specialist will contact you shortly to guide you through the process until final disbursal.