Product Overview
Product summary
Ujjivan Home Purchase Loan Home Purchase/Construction from Ujjivan Small Finance Bank offers up to 25 years and floating.
Supporting evidence
Verified from: 502b9ef46_ujjivanbank1.pdf
Data confidence
100% — High
Data completeness
100/100
Last updated
1 Aug 2026
Founder verified
Yes — Founder Certified
Source of information
Official PDF
Product confidence: High
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 Home Purchase Loan · Home Purchase/Construction
Home 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 Home Purchase Loan Home Purchase/Construction from Ujjivan Small Finance Bank offers up to 25 years and floating.
Complete your profile to unlock your personal match score for this account — no registration required to explore.
Check Your Personal FitProduct Quality Scorecard
9.99%–15.99% p.a. · floating (RLLR-linked)
80% LTV — 20% down payment
Up to 25 years
High 1.5% processing fee
₹2.0L – ₹75.0L
Verified by RightBank
Complete your profile for a personal Fit Scorecard across income, balance, usage, lifestyle, eligibility & goal.
Check Your Personal FitWhat You Get
High LTV
80%
Long tenure
up to 25 years
Balance transfer
Balance transfer available
What It Costs You
Charges
Before You Apply
Eligibility
Salaried or self-employed | Formal/informal income segments | Age 21-65 | CIBIL 650+ | Property in serviceable area | First-time home buyer preferred
Minimum income
₹25,000/month
Eligibility
Salaried or self-employed | Formal/informal income segments | Age 21-65 | CIBIL 650+ | Property in serviceable area | First-time home buyer preferred
Why This Product May Be Worth Considering
High loan-to-value
Long tenure
Certified interest rate
Transparent rate structure
Balance transfer option
Insider Banker Tip
This product supports balance transfer — you can move an existing home loan here. Check the processing fee waiver terms with the bank.
If You Do Not Choose This
What to weigh before you decide — trade-offs and who this account may not suit.
Who should avoid
Customers wanting low processing cost
Trade-offs
Processing Charges
0.75%-2% + GST
Long-Term Affordability
9.99% – 15.99% p.a.
Costs to consider
Interest rate
9.99% – 15.99% p.a.
Processing fee
0.75%-2% + GST
Customers Usually Compare This With
Certified Alternatives
Bank of Baroda
Baroda Home Loan · Standard
Home Loan
Bank of Baroda
Baroda Max Savings Home Loan · Max Savings
Home Loan
Bank of Baroda
Baroda Pre-Approved Home Loan · Pre-Approved
Home Loan
Final Decision Summary
Ujjivan Home Purchase Loan Home Purchase/Construction from Ujjivan Small Finance Bank offers up to 25 years and floating.
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
LTV
Loan-to-Value — the % of property value the bank will finance (e.g. 80% means you pay 20% down).
FOIR
Fixed Obligation to Income Ratio — share of income already going to EMIs; lower is better.
Floating Rate
Interest rate that changes with the market (linked to repo/EBLR); can rise or fall.
Fixed Rate
Interest rate locked for a period — predictable EMIs but usually slightly higher.
Processing Fee
One-time fee (often 0.25–0.5% + GST) to process the loan application.
Foreclosure
Closing the loan fully before tenure; charges may apply after a lock-in.
Prepayment
Part-paying the principal early to reduce interest; often free for floating-rate loans.
EMI
Equated Monthly Instalment — fixed monthly payment of principal + interest.
Ask Product AI
Ask about interest rates, charges, eligibility, documents, or any product-specific question. RightBank AI answers from verified product data.