20 Lakh Home Loan From Ujjivan Small Finance Bank

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Ujjivan Small Finance Bank offers credit up to 20 lakhs or more based on your financial profile. Whether you wish to buy or build a home, the bank ensures eligible applicants can enjoy lower interest rates, nominal processing fees, and quick loan approval. Since the application process has become completely digital, borrowers can apply for and secure the funds without visiting bank branches. However, before initiating your loan application, understanding the expected EMI associated with the Ujjivan Small Finance Bank’s 20 lakhs home loan is crucial. This helps you make a more informed decision, ensuring your capacity to repay the loan without default. Hence, we present a detailed overview of the 20 lakhs home loan EMI from the Ujjivan Small Finance Bank, including the applicable interest rates, eligibility, documentation, and fees. Let’s get started.

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Table of Content

1. 20 Lakh Home Loan Ujjivan Small Finance Bank Highlights

2. 20 Lakh Home Loan EMI for 5 Years Ujjivan Small Finance Bank

3. 20 Lakh Home Loan EMI for 10 Years Ujjivan Small Finance Bank

4. 20 Lakh Home Loan EMI for 15 Years Ujjivan Small Finance Bank

5. 20 Lakh Home Loan EMI for 20 Years Ujjivan Small Finance Bank

6. 20 Lakh Ujjivan Small Finance Bank Home Loan Fees and Charges

7. 20 Lakh Ujjivan Small Finance Bank Home Loan Documents Required

8. 20 Lakh Ujjivan Small Finance Bank Home Loan Eligibility Criteria

Written By

Hepson Franklin

Hepson Franklin is a seasoned financial expert and accomplished writer specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & loan products. With a wealth of experience in the financial industry, he has established himself as a trusted voice, providing invaluable insights and guidance to both seasoned investors and those new to the world of finance. With a comprehensive understanding of the intricate facets of the financial landscape, he is dedicated to demystifying complex financial concepts for readers of all backgrounds.

Reviewed By

Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

20 Lakh Home Loan Ujjivan Small Finance Bank – Highlights

The Ujjivan Small Finance Bank’s home loan interest rate for 20 lakhs and other key features are as follows:

Interest Rates	8.75% – 16.756% p.a.
Loan-To-Value (LTV) Ratio	90% of the property value
Loan Tenure	Up to 20 years
Eligibility	Salaried or self-employed individuals

20 Lakh Home Loan EMI for 5 Years Ujjivan Small Finance Bank

Let’s examine the 20 lakhs home loan EMI in Ujjivan Small Finance Bank with a tenure of 5 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹20 Lakhs	8.75% p.a.	5 years	₹41,274	₹4,76,440	₹24,76,440

20 Lakh Home Loan EMI for 10 Years Ujjivan Small Finance Bank

Have a close look at the 20 lakhs home loan EMI for 10 years from the Ujjivan Small Finance Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹20 Lakhs	8.75% p.a.	10 years	₹25,065	₹10,07,800	₹30,07,800

20 Lakh Home Loan EMI for 15 Years Ujjivan Small Finance Bank

The Ujjivan Small Finance Bank’s home loan 20 lakhs EMI rates and amount for a tenure of 15 years are given below:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹20 Lakhs	8.75% p.a.	15 years	₹19,989	₹15,98,020	₹35,98,020

20 Lakh Home Loan EMI for 20 Years Ujjivan Small Finance Bank

Below mentioned are the 20 lakhs home loan EMI for 20 years from the Ujjivan Small Finance Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
₹20 Lakhs	8.75% p.a.	20 years	₹17,674	₹22,41,760	₹42,41,760

20 Lakh Ujjivan Small Finance Bank Home Loan – Fees and Charges

Beyond the Ujjivan Small Finance Bank’s home loan interest rate of 20 lakhs, there are certain fees and charges you should know:

Fee/Charge	Amount
Processing Fee	₹ 3,350
CLADUM Charges	1.5% – 2.0% of the loan amount
Foreclosure Charges	Nil
Late Payment Charges	2.5% per month
Stamp Duty and Registration	At actual

20 Lakh Ujjivan Small Finance Bank Home Loan – Documents Required

Let’s examine the applicable documents for the Ujjivan Small Finance Bank‘s 20 lakhs home loan:

Proof of Identity	PAN Card, Aadhaar Card, Election ID, Passport, etc.
Proof of Address	Election ID, Driving License, Passport, Telephone Bill, Electricity Bill, etc
Proof of Salary	Last 3-month salary slips, 2-year IT returns, and 6-month bank statement.
Proof of Business	IT Returns, Sales Tax Challans, Shops & Est. Certificate, COI, Partnership Deed, Bank Statement, etc. (dated 5 years or older).
Additional Documents	Latest passport-size coloured photos and duly filled application form.

20 Lakh Ujjivan Small Finance Bank Home Loan – Eligibility Criteria

The 20 lakhs home loan eligibility criteria in Ujjivan Small Finance Bank are given below:

Age Limit	Borrowers should be aged between 18 and 60 years old.
Employment Status	Borrowers should be salaried or self-employed individuals.
Credit Score	Borrowers should have a good credit score, Preferably 700 or higher.
Nationality	Borrowers should be an Indian citizen.

Frequently Asked Questions (FAQs)

What is the EMI for a 20 lakhs home loan for 20 years in Ujjivan Small Finance Bank?

₹17,674 is the estimated EMI for a 20 lakhs home loan over 20 years at Ujjivan Small Finance Bank, subject to an annual interest rate of 8.75%.

Who is eligible for a 20 lakhs home loan in Ujjivan Small Finance Bank?

Both salaried and self-employed individuals are eligible for a 20 lakhs home loan at Ujjivan Small Finance Bank.

What is the monthly interest rate of a 20 lakhs home loan in Ujjivan Small Finance Bank?

The monthly interest rate for a 20 lakhs home loan in Ujjivan Small Finance Bank starts at 0.73%.

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