Ujjivan Small Finance Bank 🌉 Kolkata Rate10.25% Branches22+ Ujjivan Small Finance Bank Home Loan in Kolkata 🌉
Ujjivan Small Finance Bank home loan in Kolkata: 9.5-12.5% (typical 10.25%) with 22+ city branches. Kolkata average ticket ₹55.00 L at 10.25% over 20 years = ₹53,990/month EMI. West Bengal stamp duty: ~₹3.85 L. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.
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Ujjivan Small Finance Bank in Kolkata Ujjivan Small Finance Bank's Kolkata position.
Ujjivan SFB has deep microfinance roots across Kolkata and the broader Bengal belt, with branches in Salt Lake, Behala, Dum Dum, Howrah, and Sealdah. The bank serves affordable-housing borrowers in 24 Parganas and Howrah peripheries, women microfinance graduates, and informal-sector households underserved by mainstream banks.
Ujjivan Small Finance Bank's top employers in Kolkata.
For salary account holders at these Kolkata 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.
₹55.00 L Ujjivan Small Finance Bank home loan in Kolkata at 10.25% over 20 years
₹55.00 L 10.25% 20 years (240 months) ₹53,990 ₹74.58 L ₹1.30 Cr ₹3.85 L 1-2.5% of loan amount (min ₹5,000) for home loans.
Ujjivan Small Finance Bank Kolkata home loan FAQ.
What home loan rate does Ujjivan SFB offer in Kolkata for ITC and TCS employees? ▾
ITC, TCS, Cognizant, and IBM Salt Lake employees in Kolkata get 10.00-11.75% with CIBIL 750+. Affordable-segment borrowers including informal-sector earners with co-applicant income from Howrah, Behala, and 24 Parganas face 12.50-14.50%.
Is Ujjivan SFB better than Bandhan for affordable home loans in Kolkata? ▾
Bandhan has stronger Bengal microfinance scale but more conservative mortgage underwriting since its universal bank transition. Ujjivan stays focused on informal-sector home loans, accepting cash-salary, household-aggregated income, and JLG-graduate borrowers with rates 0.5-1% lower than Bandhan for the same affordable-housing profile.
Can women borrowers from 24 Parganas migrate from Ujjivan JLG loans to home loans? ▾
Yes, Ujjivan's Pragati Home Loan program in Kolkata is purpose-built for women borrowers with 2-3 years of clean JLG repayment history across 24 Parganas, Howrah, and Hooghly. Loans run Rs 3-25 lakh at 11-13.50% with LTV up to 75%, accepting husband-wife-son joint income and even rental income from rooms let out in the home.
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.
