Product Overview
Product summary
Ujjivan Micro Business Loan Micro Business from Ujjivan Small Finance Bank: review certified business loan facts before deciding.
Supporting evidence
Verified from: 502b9ef46_ujjivanbank1.pdf
Data confidence
50% — Low
Data completeness
50/100
Last updated
1 Aug 2026
Founder verified
Yes — Founder Certified
Source of information
Official PDF
Product confidence: Low
Intelligence Assessment
Personal Fit · Negotiation · Before You Decide
Personal Fit
NOT ASSESSEDPersonal suitability not assessed yet
Complete your profile to see how this product fits your needs.
Check Your Personal FitBefore You Decide
CHECKImportant things to verify before applying
RightBank AI provides transparency through evidence. Verify all terms directly with the bank before applying.
Ujjivan Small Finance Bank
Ujjivan Micro Business Loan · Micro Business
Business Loan
Trust Promise: Browse & compare anonymously · AI, expert guidance, application support — all free · You never pay us · Apply only when you're ready.
Evidence & Verification
Verified From
Evidence Status
Verification Date
Last Updated
Founder Certified
Official Source
View official sourceEvery recommendation on RightBank is backed by certified Product Truth from official bank sources — never a black box.
RightBank Verdict
Ujjivan Micro Business Loan Micro Business from Ujjivan Small Finance Bank: review certified business loan facts before deciding.
Complete your profile to unlock your personal match score for this account — no registration required to explore.
Check Your Personal FitProduct Quality Scorecard
9.25%–24% p.a. · flat rate (effective cost ~1.8x higher)
No turnover floor · No CIBIL floor · Needs 1yr vintage
₹0.1L – ₹5.0L
MSME / government scheme
Up to 5 years
Verified by RightBank
Complete your profile for a personal Fit Scorecard across income, balance, usage, lifestyle, eligibility & goal.
Check Your Personal FitWhat You Get
Flexible end-use
Flexible business usage
What It Costs You
Charges
Before You Apply
Eligibility
Udyam registered; Min 2 years active business vintage; Bureau score ≥ 600–650
Business vintage
1 year
Collateral
Collateral required
Why This Product May Be Worth Considering
Flexible loan amount
Certified interest rate
Insider Banker Tip
This is a flat-rate business loan — ask the bank for the reducing-balance equivalent rate to compare total cost.
If You Do Not Choose This
What to weigh before you decide — trade-offs and who this account may not suit.
Who should avoid
Businesses below the vintage requirement
Trade-offs
Business Stage
1 year
Working Capital
Expansion Funding
Cash Flow Suitability
Repayment Flexibility
Costs to consider
Interest rate
9.25% – 24% p.a.
Processing fee
Up to 1%-2% + GST
Customers Usually Compare This With
Certified Alternatives
Canara Bank
Canara MSME Smart Score · MSME Smart Score
Business Loan
Jana Small Finance Bank
Jana Micro Business Loan · Micro Business
Business Loan
Kotak Mahindra Bank
Kotak Business Loan · Term Loan
Business Loan
Final Decision Summary
Ujjivan Micro Business Loan Micro Business from Ujjivan Small Finance Bank: review certified business loan facts before deciding.
Derived from certified Product Truth — not generative AI.
Calculator
Indicative calculation for planning only. Actual figures depend on bank terms, your profile and prevailing rates.
Estimates are indicative. Final figures depend on bank terms and your profile.
Understanding the Terms
Processing Fee
One-time fee to process the loan (often a % of the loan amount).
Collateral
Asset pledged against the loan; unsecured loans need none but cost more.
Vintage
How long the business has been running — most banks want 2+ years.
GST / Turnover
GST registration and annual turnover prove business activity and size.
Working Capital
Short-term funding for day-to-day operations (stock, receivables, payroll).
Ask Product AI
Ask about interest rates, charges, eligibility, documents, or any product-specific question. RightBank AI answers from verified product data.