Ujjivan Small Finance Bank Personal Loan Interest Rate — Complete Guide & Rate Range

Key Insights

1. The Ujjivan Bank provides unsecured loans for salaried and self-employed individuals.
    
2. Ujjivan Bank offers doorstep service (cash pickup/delivery, DD delivery, and document services) to its customers across India, with disbursements in 24 hours.
    
3. You can apply online for Ujjivan Bank Personal Loan or visit the Ujjivan Bank branch with minimum documentation and without collateral.

The Ujjivan Bank Personal Loan, also known as an Individual Loan, allows customers to receive quick approval and doorstep services (cash pickup/delivery, DD delivery, and document services).

This Ujjivan Bank Personal Loan helps you in emergencies, whether for renovation, business expansion, or agricultural activities.

The Ujjivan Bank focuses on customer emergencies, which is why it offers up to ₹ 3,00,000 at a competitive interest rate to fulfil your financial needs.

This blog helps you understand the Ujjivan Bank Personal Loan 2025, including its personal loan schemes, features, and tips to reduce your interest rate with the Ujjivan Bank.

Ujjivan Bank Personal Loan Interest Rates 2025

The Interest Rate is the most important part of a personal loan. You can find the updated Ujjivan Bank Personal Loan interest rate details for 2025 below. Here is the list of Ujjivan Bank's Personal loan interest rates for 2025:
 

Generally, these documents fulfil the Ujjivan Bank Personal Loan eligibility requirements, but an additional document may be required, depending on the loan. For more information, contact the Ujjval Bank staff.

Bonus Tip: You can contact the Ujjivan Bank Customer Care Officer at 1800-208-2121.

Types of Ujjivan Bank Personal Loan Schemes

The Bank offers a variety of Ujjivan Bank Personal Loan schemes, which help you in different situations. Here is the list of Ujjivan Bank Personal Loan schemes:
 

These Ujjivan schemes help you receive disbursements within 24 hours into your Ujjivan bank Account.

Key Features of Ujjivan Bank Personal Loan 

The key features of Ujjivan Bank give an edge to our customers, which enhances the customer's overall experience. Here is the list of Ujjivan Bank features.
 

• Flexible repayment tenure up to 36 months.
• Top-up loans up to ₹1,00,000 after 6 months.
• Minimal documentation.
• You can get a loan amount: ₹51000 to ₹3,00,000.
• You can pay your EMI using QR Codes for digital payments, as mentioned on your loan papers.

You can apply for a Ujjivan Bank Personal Loan with the Ujjivan online Portal with these amazing features.

Factors Affecting Ujjivan Bank Personal Loan Interest Rate

The Ujjivan Bank offers some categories where you can reduce your interest rate on a Personal Loan. Here is the list of factors affecting the Ujjivan Bank personal loan interest rate.
 

These factors affect the interest rate of the Ujjivan Bank personal loan.

Bonus Tip: If the RBI increases the repo rate, banks are likely to increase their loan interest rates. Conversely, if the RBI decreases the repo rate, then banks decrease their loan rates. This is because banks borrow funds from the RBI, and any change in the RBI's interest rate affects all Banks in India.

Ujjival Bank Personal Loan Interest Rate Calculation

You know you can calculate the interest rate of your Ujjivan Bank Personal Loan, your EMIs, and how much you pay. Here is the process and formula to calculate the interest rate:

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

where,

P = Principal amount

R = is the interest rate

N is the Loan tenure

Suppose Devam wants to know our personal loan EMI and needs an instant ₹50,000 loan with a tenure of 12 months at 23.40%.

[₹50,000 x 23.40% x (1 + 23.40%) 12] / [(1 + 23.40%) 12 - 1]

According to the formula calculation, you have to pay ₹4,747 as EMI, and the total payable amount of the loan is ₹56,964.

You can use this formula to calculate your loans and determine how much you pay the bank, which is essential for everyone.

Tips to Get Lower Interest Rates from Ujjivan Bank 

Here are the tips to reduce your personal loan interest rate in Ujjivan Bank.
 

• Maintain a High Credit Score: Having a credit score of 750 or higher is crucial for securing a low interest rate.
• Improve your Credit Score: Never miss payments on credit cards and loans, as it can damage the bank's trust in you.
• Choose a Shorter Loan Tenure: Shorter tenures give you an edge in reducing your interest rate.

You can use this strategy to lower your interest rate on the loan at Ujjivan Bank and make it more affordable. 

Conclusion
 

Ujjivan Bank offers a chance to obtain a personal loan at a competitive interest rate, with instant disbursement, minimal documentation requirements, and attractive features.

Ujjivan Bank offers personal loans for emergencies, whether it's for your daughter's wedding, home renovation, or business needs. The Ujjivan Bank is always with you.

FAQs

Can I pay my personal loan EMI through the Ujjivan Bank website?

Yes, Ujjivan Bank offers the facility to pay your personal loan EMIs online through its website.

Can I check the records of all the EMI payments I have made for my Ujjivan Small Finance Bank personal loan?

Yes, you can check the record of your personal loan EMIs. You give the loan number and your mobile number.

Can Ujjivan reduce my personal loan interest rate if I add a guarantor?

Yes, a guarantor with stable income and a strong credit profile can sometimes help you secure a lower rate.

Will my loan interest rate improve if I take multiple banking products from Ujjivan?

Your relationship value can help during negotiation, but the rate remains policy-based.
 

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.