Why Choose Ujjivan Bank for Home Loans?
Ujjivan Bank is different because it really tries to help people who don't usually get much attention from bigger banks, giving them money that fits their lives and how much they earn.
- Focus on Financial Help: Ujjivan Bank really wants to back individuals and families that banks usually miss like those living in cities, smaller towns, and even out in the countryside.
- Customers First: Ujjivan is all about giving people service that feels personal. They ensure people understand everything, get answers fast, and have choices when paying back their loans.
- Good Rates: Ujjivan tries to make home loan rates easy to handle, so people don't have to pay too much each month over the long run.
- Easy Process: The bank doesn't ask for much paperwork and uses technology to make getting approved for a loan quick and simple.
- Lots of Options: Whether you are buying a place, building one, fixing it up, or getting a better deal on your current loan, Ujjivan Bank has got you covered with all sorts of loan choices.
- Tech-Friendly: The bank blends the latest tech with support that's easy to get to, making things super convenient for customers.
Ujjivan Bank Home Loans Products
Ujjivan Bank has a bunch of home loans to help you get the place you want:
Home Purchase Loan: Buy a new or used property, whether in the city or countryside.
Home Construction Loan: Build a house on land you already own or plan to buy.
Home Extension & Renovation Loan: Expand your current home or renovate it with flexible funding.
Plot Purchase Loan: Purchase land now to build your dream home later.
Home Loan Balance Transfer: Transfer your existing home loan to Ujjivan Bank for better rates and terms.
NRI Home Loan: Special loans designed for Indians living abroad who wish to buy property in India.
Ujjivan Bank Home Loan Interest Rates
Ujjivan Small Finance Bank maintains competitive home loan interest rates, aligning affordability with business sustainability.
| Loan Type |
Interest Rate (p.a.) |
Processing Fee |
| Home Purchase & Construction |
8.90% to 9.50% |
Up to 0.40% – 0.75% of loan amount + applicable taxes |
| Renovation & Extension |
9.00% to 9.75% |
Flat or percentage-based fees |
| Plot Purchase |
9.25% to 9.75% |
Up to 0.50% + taxes |
| Balance Transfer |
8.50% to 9.25% |
Nominal fee |
Note: Rates vary based on borrower profile, loan amount, tenure, and prevailing market conditions.
Ujjivan Bank Home Loan Eligibility Criteria
Age: 21–65 years at loan closure; minimum age 21 to apply.
Income: Must have a stable income; proof required via salary slips or business records.
Job: Must be in current employment or running your business for at least 1 year.
Credit: Good credit history preferred (CIBIL score 650+ is a plus).
Property: Must own the property or have legal rights to mortgage it to the bank.
Residency: Must be an Indian resident; NRIs must follow special rules regarding property and paperwork.
Required Documents for Ujjivan Bank Home Loan Partner
To get your application approved faster, make sure you have these things ready:
Proof ID: Carry your Aadhaar Card, PAN Card, Passport, or Voter ID.
Address: Provide utility bills, ration card, rental agreement, or Aadhaar showing your current address.
Income Proof: Salaried: last 3 months' salary slips and bank statements; Self-employed: ITRs from the previous 2 years.
Job Proof: Employer certificate or business registration papers.
Property Documents: Sale deed, approved building plan, property tax receipts, and NOC (if applicable).
Photos: Recent passport-size photos of all applicants.
How to Apply for Ujjivan Bank Home Loan via TyTil
TyTil makes it easy to apply for a home loan from Ujjivan Bank:
- Go to the TyTil website or app and choose Ujjivan Bank from the list of lenders.
- Complete the online form with your personal, financial, and property information.
- Upload copies of your documents securely to TyTil .
- TyTil advisors will check your documents and coordinate with Ujjivan Bank to process your loan.
- Track your loan status online and get help from TyTil advisors if needed.