“Ujjivan’s home improvement loan helped us complete our house quickly with minimum documents. The process was smooth and hassle free.”
Micro Mortgage Loans - Up to ₹25 Lakhs | Ujjivan Small Finance Bank
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MICRO MORTGAGE
“Unlock your dream with Ujjivan’s Micro Mortgage loan”
Whether you’re improving your home, expanding your business, or meeting essential financial needs, our micro mortgage loan provides a simple, secure, and accessible way to unlock the value of your property. With a streamlined approval process and flexible repayment options, it helps you move forward with confidence toward a better future.
Micro Mortgage EMI Calculator
Calculate your loan EMI in seconds with our easy-to-use Micro Mortgage Loan EMI Calculator.
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Why Avail our Micro Mortgage Loan?
Minimum Documentation
Apply easily with minimal paperwork
No Hidden Charges
Complete transparency with clear terms and no surprise costs
Doorstep Services
Enjoy the convenience of our services delivered right to your doorstep
Fast Processing
Quick approvals and disbursals to meet your financial needs without delay
Micro Mortgage Loan Features
Product Offered
Micro Home Improvement Loan:
Loan Amount:
₹2 Lakhs to ₹25 Lakhs
Minimum 24 Months to Maximum 180 Months
Purpose:
Home Improvement & related activities, renovation, includes refinance too.
Micro business loan
Loan Amount:
₹2 Lakhs to ₹25 Lakhs
Tenure:
Minimum 24 Months to Maximum 180 Months
Purpose:
Expansion of business, Acquiring plant and machinery, Refinancing business expenditure
Micro loan against property
Loan Amount:
₹2 Lakhs to ₹20 Lakhs
Tenure:
Minimum 24 Months to Maximum 144 Months
Purpose:
Mixed usage, Asset creation, Children education, Debt Consolidation etc.
How to Apply for Micro Mortgage Loan
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Call our customer care at
Micro Mortgage Loan – Fees & Charges
| Fees/Charges | MHIL (Home improvement loan) | MBL (Micro business loan) | MLAP (Micro loan against property) |
| Login Fees | 2000 + GST | ||
| Processing Fee | 2% + GST | 2.5% + GST | |
| CERSAI | Up to 5 Lakhs - 50 + GST | ||
| Above 5 Lakhs - 100 + GST | |||
| Part Payment | Up to 20% - NIL Charges | ||
| >20% up to 50% - 2% + GST | |||
| Foreclosure | 0-24MOB - 2% + GST | 0-24MOB - 3% + GST | |
24MOB - 1% + GST | 24MOB - 2% + GST | ||
| Late Payment Charges | 500 + GST | ||
“Dreams Delivered, Stories Told”
“I was facing shortage of stock for my business, that time I got to know about Ujjivan’s MBL product. I took the loan and got additional stock for my shop which helped to function smoothly. I am very happy with the services given by them.”
Sheikhsybaira A
FAQs
This is a secured form of loan where customer can get funds by mortgaging their residential, commercial or mixed-use property to meet business, home improvement or other personal financial needs.
Any Salaried customers, Self-employed professionals & Self-employed non-professionals.
Residential, Commercial, Mixed-use property.
Identity proof, Property documents, Income proof.
Yes, Processing fee will be up to 2.5%+GST and login fee will be 2000+GST.