Ujjivan Small Finance Bank 💻 Bengaluru Rate10.25% Branches32+ Ujjivan Small Finance Bank Home Loan in Bengaluru 💻
Ujjivan Small Finance Bank home loan in Bengaluru: 9.5-12.5% (typical 10.25%) with 32+ city branches. Bengaluru average ticket ₹78.00 L at 10.25% over 20 years = ₹76,568/month EMI. Karnataka stamp duty: ~₹4.68 L. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.
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Ujjivan Small Finance Bank in Bengaluru Ujjivan Small Finance Bank's Bengaluru position.
Ujjivan Small Finance Bank is headquartered in Bengaluru and historically focused on microfinance graduates moving into formal mortgages. Branches across Koramangala (HQ), Jayanagar, Yelahanka, Hosur Road, and Whitefield serve affordable home loan segments for women borrowers, informal-sector salaried, and IT support-staff households.
Ujjivan Small Finance Bank's top employers in Bengaluru.
For salary account holders at these Bengaluru employers, Ujjivan Small Finance Bank typically offers pre-approved home loan offers within 30-45 days of consistent credit. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.
₹78.00 L Ujjivan Small Finance Bank home loan in Bengaluru at 10.25% over 20 years
₹78.00 L 10.25% 20 years (240 months) ₹76,568 ₹1.06 Cr ₹1.84 Cr ₹4.68 L 1-2.5% of loan amount (min ₹5,000) for home loans.
Ujjivan Small Finance Bank Bengaluru home loan FAQ.
What home loan rate does Ujjivan SFB offer in Bengaluru for IT salaried borrowers? ▾
Salaried borrowers from Infosys, Wipro, TCS, and Bosch in Bengaluru get 10.00-11.75% with CIBIL 750+ at Ujjivan. Affordable-segment borrowers including domestic workers, drivers, and informal-sector earners with co-applicant income face 12.50-14.50%.
Is Ujjivan SFB better than HDFC for affordable home loans in Bengaluru? ▾
HDFC requires formal salary documentation and CIBIL 730+, declining most informal-sector applicants. Ujjivan SFB serves the affordable-housing PMAY segment with informal income via co-applicant aggregation, accepting cash-salary plus rent income for combined household assessment. Rates are 1.5-3% higher but the segment is largely declined elsewhere.
Can Bengaluru women borrowers graduating from microfinance get Ujjivan home loans? ▾
Yes, Ujjivan's Pragati Home Loan program in Bengaluru targets women borrowers with 2-3 years of clean JLG/group-loan repayment history, offering loans from Rs 3-25 lakh at 11-13% with LTV up to 75%. Household income aggregation across spouse, adult children, and rent receipts is standard underwriting.
Ujjivan SFB for affordable housing — am I eligible? ▾
Ujjivan's Affordable Housing Loan product is designed for first-time buyers in affordable housing segments, with strong PMAY-CLSS subsidy handling. Eligibility: salaried or self-employed with income proof (3-year ITR or 12-month bank statements), property under ₹50 lakh in approved residential project, primary residence. LTV up to 90% for affordable segment. The PMAY subsidy (₹2.30-2.67 lakh) is directly credited to loan principal post-NHB approval, typically within 3-4 months of disbursal.
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