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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.
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Types of Ujjivan SFB Home Loans
Loans up to ₹25 Lakh*
Competitive interest rates
Flexible repayment tenures
Unlock the value of your property
Loans up to ₹75 Lakh*
Affordable interest rates
Easy financing for plot purchase + self-construction
Get loans up to ₹50 Lakh*
Flexible repayment tenures
Flexible financing solution for commercial property purchase
Loans up to ₹75 Lakh*
Competitive interest rates
Loans up to ₹10 Lakh*
Zero processing fee
No fund end-use restriction
Loans up to ₹75 Lakh*
Flexible repayment tenures
Affordable interest rates
Why Choose Ujjivan SFB Home Loan?
Multiple Financing Options
Select from home construction & purchase loan, home equity loan, home improvement loan, and more
Repayment Tenures up to 20 years
Repay through easy EMIs aligned to your income and goals
Higher Loan Amount
Get loans up to ₹75 lakh (T&C apply)
Hassle-free Loan Journey
Enjoy smooth and fast application process
Affordable Interest Rates
We offer one of the most competitive rates in the market
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]bank[dot]in
Documents Required For Home Loan
Documents can vary based on applicant type and property type. Generally required
Identity proof (PAN, Aadhaar, Passport, etc.)
Address proof
Income proof (salary slips/Form 16/ITR and related documents)
Recent bank statements
Property documents (sale agreement, approvals, title/ownership documents, etc.)
For more details, call our toll-free number 1800 208 2121 or write to customercare[at]ujjivan[dot]bank[dot]in
How to Apply for a Home Loan
- 01
To begin your application click on Apply Now
- 02
Fill out the details
- 03
Click 'Submit'
Our representatives will contact you to guide you further.
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
Ujjivan Home Loans offer a minimum loan amount of ₹2,00,000, with the maximum amount extending up to ₹75,00,000.
The tenure ranges from a minimum of 39 months to a maximum of 240 months, offering flexibility to suit different financial needs.
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.
Yes, there is a non-refundable loan processing fee of ₹3,350 plus GST applicable for all loan types.
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)
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
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.
Yes, these loans can be utilised for fulfilling various dreams or financial requirements of the customer, given they meet the eligibility criteria.
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.