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#Ujjivanblogs
Catch up on the latest blog updates from your trusted bank!
Calculate your home improvement loan EMI in seconds and plan your finances better.
Disclaimer: The data generated herein is completely and solely based on the information/details provided by you and such information and the resultant data is provided only for user's convenience and information purposes. Ujjivan SFB does not guarantee accuracy, completeness or correct sequence of any the details provided therein and therefore no reliance should be placed by the user for any purpose whatsoever on the information contained / data generated herein or on its completeness / accuracy.
The use of any information set out is entirely at the User's own risk. User should exercise due care and caution (including if necessary, obtaining of advice of tax/ legal/ accounting/ financial/ other professionals) prior to taking of any decision, acting or omitting to act, on the basis of the information contained / data generated herein. Ujjivan SFB does not undertake any liability or responsibility to update any data. No claim (whether in contract, tort (including negligence) or otherwise) shall arise out of or in connection with the services against the bank. Neither Ujjivan SFB nor any of its agents or licensors or group companies shall be liable to user/ any third party, for any direct, indirect, incidental, special or consequential loss or damages (including, without limitation for loss of profit, business opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or otherwise arising from the use of these tools/ information contained / data generated herein.
Loans up to ₹75 lakh*
Get higher loan amount depending on your eligibility
Longer Tenures up to 20 years
Repay through easy EMIs aligned to your income and goals
Affordable Interest Rates
We offer one of the most competitive rates in the market
Faster Approvals
Enjoy smooth and fast application process
For more details, call our toll-free number 1800 208 2121 or write to customercare[at]ujjivan[dot]com*T&C apply
A home purchase loan helps you finance the purchase of a ready or resale house or flat.
A Self Construction loan helps you finance the construction of a house on a plot of land owned by you.
Both salaried and self-employed Indian residents with a stable source of income can apply. Eligibility is determined based on income, repayment capacity, property value, credit profile, and other criteria.
You can avail a minimum loan of ₹5 lakh and a maximum of ₹75 lakh, subject to eligibility, property valuation, and other criteria.
You can choose a tenure ranging from 39 months to 240 months (up to 20 years), depending on your repayment capacity.
We offer competitive interest rates ensuring transparency and fairness starting from 9.50% p.a.* The final rate will depend on your profile and loan amount. *T&C apply
External benchmark-based lending means your loan interest rate is linked to a market-determined benchmark, such as the Repo Rate set by the Reserve Bank of India (RBI).
Pre-EMI interest is the interest you pay on the disbursed loan amount during the construction phase of your property, before full EMI payments begin. Once the entire loan amount is disbursed, your regular EMIs (including principal and interest) start.
We aim to provide faster approvals and smooth processing. Timelines depend on documentation, income verification, and property evaluation.
Yes. You may be eligible for tax benefits on both the principal and interest components of your loan under the Income Tax Act, 1961. Please consult your tax advisor for specific details.
No, it is not mandatory. However, buying an insurance can help in protecting your outstanding debt in the event of an unanticipated event during the loan’s tenure.
