Home Loans
From buying your first home to building your dream one, Ujjivan SFB makes home financing simple, transparent, and stress-free. Explore our range of financing options designed to support every stage of home ownership, from purchase and construction to renovation. With flexible repayment tenures, quick approvals, transparent terms, and expert assistance, we’re there to support you in every step of your homebuying journey.
Home Loan EMI Calculator
Compare EMIs with our easy-to use Home Loan EMI Calculator and plan your finances better.
Break-up of Total Payment
Monthly Loan EMI
Principal
Total Interest
Total Payment
(Principal + Interest)
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.
Types of Ujjivan SFB Home Loans
Why Choose Ujjivan SFB Home Loan?
Ujjivan SFB Home Loan Interest Rates
| Product | Interest Rate* |
|---|---|
| Home Purchase & Construction Loan | 9.50% p.a. onward |
| Home Improvement Loan | 9.99% p.a. onward |
| Home Equity Loan | 10.75% p.a. onward |
| Pre-Qualified Top Up Home Loan | 9.50% p.a. onward |
| Composite Home Loan | 9.50% p.a. onward |
| Commercial Purchase Loan | 10.75% p.a. onward |
To check the latest interest rates, click here
Ujjivan SFB Home Loan Fees And Charges
To view complete fees & charges, click here
Home Loan Eligibility Criteria
For more details, call our toll-free number 1800 208 2121 or write to customercare[at]ujjivan[dot]com
Documents Required For Home Loan
Documents can vary based on applicant type and property type. Generally required
For more details, call our toll-free number 1800 208 2121 or write to customercare[at]ujjivan[dot]com
Do’s and Don’ts Before Applying for a Home Loan
| Do’s | Don’ts |
|---|---|
| Use Home Loan EMI Calculator to ensure the monthly payment fits comfortably within your budge | Don’t stretch your EMI capacity |
| Save for down payment and additional costs | Don’t depend entirely on the loan amount – Insufficient savings can strain finances later |
| Read and understand loan terms carefully | Don’t ignore the fine print |
| Keep documents ready and accurate | Don’t provide incomplete or incorrect information |
| Keep paying EMIs regularly to maintain a healthy CIBIL score | Missing an EMI can hurt your CIBIL score |
Home Loan Options in Different Cities
FAQs
What is the minimum and maximum loan amount for Ujjivan Home Loans?
Ujjivan Home Loans offer a minimum loan amount of ₹2,00,000, with the maximum amount extending up to ₹75,00,000.
What is the tenure range for Ujjivan Home Loans?
The tenure ranges from a minimum of 39 months to a maximum of 240 months, offering flexibility to suit different financial needs.
What are CLADUM charges and how are they calculated?
CLADUM charges include Credit, Legal, Administrative, Documentation, Upkeep of documents, and Maintenance fees. These charges typically range from 1.0% to 2.0% of the loan amount plus applicable GST.
Is there a pre-processing fee for Ujjivan Home Loans?
Yes, there is a non-refundable loan processing fee of ₹3,350 plus GST applicable for all loan types.
Are there any additional charges besides the processing fee?
Yes, additional charges include CERSAI charges and stamp duty as per the applicable state/UT regulations (shall be paid directly to the respective authorities), along with optional life and property insurance premiums (deducted from the disbursement amount)
What is the eligibility criteria for a Pre-qualified Top Up Loan?
Pre-qualified Top Up Loans are exclusively available for existing eligible customers (subject to Bank’s internal Policy) with a minimum loan amount of 1,00,000 and a maximum of 10,00,000
How is the rate of interest calculated for Pre-qualified Top Up Loans?
The rate of interest for Pre-qualified Top Up Loans is just 1% higher than the core loan's ROI, providing a competitive advantage for eligible customers.
Can Pre-qualified Top Up Loans be availed for any purpose?
Yes, these loans can be utilised for fulfilling various dreams or financial requirements of the customer, given they meet the eligibility criteria.
What is the tenure range for Commercial Purchase Loans?
The tenure for Commercial Purchase Loans ranges from a minimum of 39 months to a maximum of 84 months, catering to the specific needs of commercial property acquisition.
