35 Lakh Home Loan From Ujjivan Small Finance Bank

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Urban Money recommends the 35 Lakh Ujjvan Small Finance Bank Home Loan to all residents of India looking for their dream home in cosy housing societies and good localities. Due to its flexible repayment tenure of up to 20 years and competitive interest rates starting at 8.75%, this loan is well-suited for all Indian citizens. Borrowers can utilise this scheme for various purposes, such as home renovation, construction, or purchase. Read this guide to understand the 35 Lakh Home Loan features from Ujjivan Small Finance Bank, along with EMI estimates for different loan tenures.

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Table of Content

1. 35 Lakh Home Loan Ujjivan Small Finance Bank Highlights

2. 35 Lakh Home Loan EMI for 5 Years Ujjivan Small Finance Bank

3. 35 Lakh Home Loan EMI for 10 Years Ujjivan Small Finance Bank

4. 35 Lakh Home Loan EMI for 15 Years Ujjivan Small Finance Bank

5. 35 Lakh Home Loan EMI for 20 Years Ujjivan Small Finance Bank

6. 35 Lakh Home Loan Ujjivan Small Finance Bank Charges

7. 35 Lakh Home Loan Ujjivan Small Finance Bank Documents Required

8. 35 Lakh Home Loan Ujjivan Small Finance Bank Eligibility Criteria

Written By

Bhavya Kamra

With a background in commerce and a strong affinity for numbers, Bhavya is dedicated to delivering accurate financial insights in her blog. She avidly reads finance magazines and articles to stay updated on the latest market trends. Currently crafting content for Urban Money, Bhavya aims to offer practical financial tips and simplify complex subjects into easy-to-understand steps.

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.

35 Lakh Home Loan Ujjivan Small Finance Bank – Highlights

These are some of the important features of the 35 Lakh Ujjvan Small Finance Bank Home Loan that you must know before applying.

Feature	Details
Loan Amount	₹2,00,000 to ₹75,00,000
Interest Rate	8.75% to 19.75% p.a. (reducing balance)
Loan Tenure	39 to 240 months
Processing Fee	₹3,350 + GST (non-refundable)
CLADUM Charges	1.0% to 2.0% of the loan amount + GST
Pre-qualified Top-Up Loan	₹1,00,000 to ₹10,00,000 with zero processing fee

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

If you want to repay your 35 Lakh Home Loan from Ujjivan Small Finance Bank within 5 years, here are the estimated EMI costs and interest payable:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 35 lakhs	8.75%	5 years	₹72,122	₹8,27,298	₹43,27,298

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

For a tenure of 10 years, here is the estimated EMI cost and interest payable for a 35 Lakh Home Loan from Ujjivan Small Finance Bank:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 35 lakhs	8.75%	10 years	₹43,864	₹17,63,724	₹52,63,724

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

These are the estimated EMI cost and interest payable for a 35 Lakh Home Loan from Ujjivan Small Finance Bank with a loan tenure of 15 years:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 35 lakhs	8.75%	15 years	₹34,981	₹27,96,527	₹62,96,527

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

With an interest rate of 8.75%, the EMI cost and interest payable for a 20-year-long home loan from Ujjivan Small Finance Bank for INR 35 Lakhs stands at:

Loan Amount	Interest Rate	Loan Tenure	EMI Amount	Total Interest Payable	Total amount Payment
Rs 35 lakhs	8.75%	20 years	₹30,930	₹39,23,170	₹74,23,170

35 Lakh Home Loan Ujjivan Small Finance Bank – Charges

The fees applicable on a 35 Lakh Home Loan from Ujjivan Small Finance Bank are:

Charge Type	Details
Processing Fee	₹3,350 plus GST for all products
Pre-Sanction Charges	1% to 2% of the loan amount plus GST (depending on the home loan type)
CERSAI Registration	₹50 plus taxes for loans under ₹5,00,000 and ₹100 plus taxes for loans above ₹5,00,000
Part-Payment Charges	No penalty
Foreclosure Charges	No payment if using own funds; 3% if transferred to another bank
Late Payment Charges	2.5% per month on missed EMI payments
Bounce Charges	₹500 plus GST charges (applicable from April 2024)

35 Lakh Home Loan Ujjivan Small Finance Bank – Documents Required

Some of the documents that you need to submit while applying for a 35 Lakh Home Loan from Ujjivan Small Finance Bank are:

Document Type	Required Documents
Residence Proof	Passport, Aadhaar, Voter ID Card, Driving License, Signed NREGA Card, Letter from NPR
Income Proof (Salaried)	Last six months Bank Statement, Income Tax Returns, Salary Certificate, Form 16A
Income Proof (Self-Employed)	E-Bill, Udyog Aadhaar, Business Registration Documents

35 Lakh Home Loan Ujjivan Small Finance Bank – Eligibility Criteria

Any Indian citizen aged 18 or older can apply for the ₹35 Lakh Home Loan from Ujjivan Small Finance Bank, provided they meet the bank’s specific eligibility criteria. Although this information may not be directly available on the bank’s official website, you can contact Urban Money for further details.

Frequently Asked Questions (FAQs)

What is the EMI for a 35 lakh home loan for 20 years in Ujjivan Small Finance Bank?

The EMI payable for a 35 Lakh Home Loan with a 20-year duration from Ujjivan Small Finance Bank is ₹30,930.

Who is eligible for a 35 lakh home loan in Ujjivan Small Finance Bank?

Any Indian citizen over 18 with a good credit rating can apply for the 35 lakh home loan after proving their repayment capability by submitting income-related documents.

What is the monthly interest rate of a 35 lakh home loan in Ujjivan Small Finance Bank?

The monthly interest rate on a 35 lakh home loan from Ujjivan Small Finance Bank can range between 8.75% and 19.75% p.a., depending on the applicant’s creditworthiness.

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