India's #1 doorstep home loan service
Ujjivan Small Finance Bank provides home loans up to ₹75 lakhs with interest rates starting from 8.75% p.a. and tenures up to 20 years. Choose from Home Purchase, Construction, and Improvement loans with minimum amounts of ₹2 lakhs. Processing fee is 1% with flexible repayment options.
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Last Updated: Oct 15, 2026
Education — BTech (IIT Guwahati), IIM Bangalore
With 7 years of hands-on experience structuring home loans across both public and private lending institutions, Suraj Mudaliar brings sharp, practical expertise to every borrower's journey. He specializes in loan eligibility assessment, balance transfers, and EMI optimization — helping customers not just get a loan, but get the right loan for their financial situation.
Ujjivan Small Finance Bank offers home loans at competitive rates that start from 8.75% p.a. Your dream of owning a home becomes more affordable with these rates. The bank lets you borrow up to ₹75 lakhs with flexible repayment terms that stretch across 20 years.
The bank gives you three home loan choices. You can opt for a Home Purchase and Construction Loan, get a Composite Home Loan for plot purchase and construction, or choose a Home Improvement Loan. The minimum loan amount starts at ₹2 lakhs, based on your eligibility and needs.
This detailed guide explains everything about Ujjivan Small Finance Bank’s home loans interest rates, eligibility criteria, and documentation requirements that help you make a smart choice.
Ujjivan Small Finance Bank home loan interest rates change based on your loan amount and profile. Salaried professionals can get floating interest rates that start from 8.75% p.a. This makes buying a home much easier.
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| ≥ 800 | 8.75% – 10.75% |
≤ ₹30 Lakh
|
90%
|
| 750 – 799 | 10.75% – 13.75% | ||
| 700 – 749 | 13.75% – 15.75% |
₹30 Lakh – ₹75 Lakh
|
80%
|
| 650 – 699 | 15.75% – 17.75% | ||
| < 650 | 17.75% – 18.99%+ |
> ₹75 Lakh
|
75%
|
| NTC / -1 | 8.75% – 18.99%+ (case-by-case) | ||
| Apply Now | |||
Several factors affect your Ujjivan Small Finance Bank home loan interest rates. Your credit score, income stability, and employment history are vital in deciding the final rate. The loan-to-value ratio and the property’s location also impact the interest calculation.
You can get Ujjivan Small Finance Bank’s home loans ranging from ₹2 lakhs to ₹75 lakhs. The bank offers repayment terms up to 20 years. You also have the flexibility to choose monthly, quarterly, or annual repayment options that match your financial plan.
A good credit score and stable income could help you qualify for better interest rates. The bank lets you transfer your existing home loan balance from other financial institutions at competitive rates.
Ready to apply? Talk to Ujjivan Small Finance Bank’s loan officers to know your eligible interest rate and start your home loan today.
Want to find the best home loan rates? Let’s see how Ujjivan Small Finance Bank’s home loan interest rates stack up against other major banks and housing finance companies. This comparison will help you make a smart choice.
These are the current home loan interest rates from top lenders for loans up to ₹75 lakhs:
| Lender | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
| Ujjivan Small Finance Bank | 8.75% – 16.75% p.a. | 8.75% – 16.75% p.a. | 8.75% – 16.75% p.a. |
| SBI | 8.50% – 9.85% p.a. | 8.50% – 9.85% p.a. | 8.50% – 9.85% p.a. |
| HDFC Bank Limited | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Housing Finance | 8.50% – 11.25% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| PNB Housing Finance | 8.50% – 14.50% p.a. | 8.50% – 14.50% p.a. | 8.50% – 11.45% p.a. |
Note:Ujjivan Small Finance Bank’s home loan interest rates are subject to change and may vary based on factors such as credit score, loan amount, and tenure. Rates are as of January 24, 2026.
A clear understanding of Ujjivan Small Finance Bank’s home loan fees and charges will help you plan your finances better. The bank offers transparent pricing with minimal processing charges.
Here’s a detailed breakdown of the fees:
| Fee Type | Amount/Percentage |
| Processing Fee | 1% of the loan amount |
| Technical Evaluation | ₹3,000 – ₹5,000 |
| Legal Verification | ₹2,500 – ₹4,000 |
| CERSAI Charges | ₹100 |
| Stamp Duty | As per state laws |
| Documentation Charges | ₹500 |
Balance transfer applications attract a nominal processing fee of 0.5% of the loan amount. We found that technical evaluation and legal verification charges vary based on the property’s location and type.
Prepayment charges might apply in specific situations. Floating-rate loans come with zero prepayment penalties. All the same, fixed-rate loans carry a 2% prepayment charge on the outstanding amount.
Late payments incur a 2% monthly fee on the overdue EMI amount. You can avoid these charges by setting up auto-debit facilities that ensure timely EMI payments.
These charges play a crucial role in your total loan cost calculations. The bank’s loan officers can provide a detailed fee structure tailored to your specific needs.
Ujjivan Small Finance Bank has specific eligibility requirements you need to meet to qualify for a home loan. The bank looks at different criteria for salaried and self-employed applicants to process loans smoothly.
Let’s look at the key eligibility criteria:
| Criteria | Details |
| Age | 18-58 years (at loan maturity) |
| Citizenship | Indian |
| Employment | Salaried or Self-employed |
| Income | Minimum monthly income: ₹7,000 (urban), ₹5,000 (rural) |
| Credit Score | 650+ (CIBIL) |
| Work Experience | Salaried: 1 year overall, 6 months with current employer
Self-employed: 2 years in current business |
Documentation Requirements:
Please note that these requirements may vary slightly based on the specific loan product and individual circumstances. It’s always best to check with Ujjivan Small Finance Bank directly for the most up-to-date and accurate information regarding their eligibility criteria and documentation requirements.
Your loan approval depends on your credit score, property value, and current debts. The bank offers up to 90% financing for properties valued up to ₹30 lakhs. This percentage drops to 80% for properties between ₹30-75 lakhs.
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