🇮🇳 India

Ujjivan SFB Last updated2026-05-28

Ujjivan SFB EMI Calculator 2026 rates.

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Quick answer

Ujjivan SFB home loan rate starts at 10% (typical 11.75%) as of 2026. A ₹50 lakh loan at 11.75% over 20 years = an EMI of approximately ₹54,185/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

Ujjivan SFB loan rates (May 2026)

🏠 Home Loan

10–14.5%

typical: 11.75% p.a.

💵 Personal Loan

14–24%

typical: 17% p.a.

🚗 Car Loan

11–16%

typical: 13% p.a.

💳 Processing Fee

1.5% of loan amount (capped at Rs. 25000)

🔁 Prepayment

Zero foreclosure charges on floating-rate home loans per RBI guidelines. 2-5% charges on fixed-rate, vehicle, and personal loans in early tenure, reducing over time.

About Ujjivan SFB

Why choose Ujjivan SFB?

Ujjivan Small Finance Bank evolved from Ujjivan Financial Services microfinance NBFC, completing its reverse merger in 2024 to become a unified entity. With 80%+ of assets in microfinance, MSE, and affordable housing, it serves the financially underserved across 326 districts. Recent expansion into retail liabilities and gold loans is diversifying the asset book.

🎯 Unique angle

Product highlights

✓ women micro-entrepreneurs
✓ affordable housing borrowers
✓ small business owners
✓ rural and semi-urban savers

❓ Ujjivan SFB FAQ

Common questions.

Who should apply for an Ujjivan SFB loan?

Ujjivan SFB is best for women micro-entrepreneurs needing group or individual microfinance loans, affordable housing borrowers (loans Rs. 2-25 lakh), and MSE owners. It also accepts deposits with competitive FD rates (often 50-100 basis points higher than large banks).

How does Ujjivan SFB compare to traditional banks?

Ujjivan SFB targets customer segments banks ignore - microfinance, affordable housing, and rural MSEs. Home loan rates are 50-150 basis points higher than top banks but accessible to customers without formal income proof. Deposit rates are notably higher than large banks.

What is the eligibility at Ujjivan SFB?

For microfinance, women members of joint liability groups with stable cash flow. For home loans, age 21-65, minimum Rs. 15,000 monthly income, and 20% down payment. CIBIL above 650 preferred but first-time borrowers with stable income are also approved.

What is Ujjivan SFB's prepayment policy?

Floating rate home loans have zero prepayment charges per RBI norms. MSE and personal loans have 2-4% foreclosure charges in initial years. Microfinance loans (under JLG model) typically have no prepayment penalty due to short tenure (12-24 months).

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