Ujjivan Small Finance Bank Home Loan for Bank Employees

Ujjivan Small Finance Bank is excited to offer a special home loan designed for banking employees. With this loan, bank employees can look forward to competitive interest rates and flexible repayment schedules. The application process is straightforward and hassle-free. To make it even easier, Urban Money has curated this guide. It contains everything you need to know about the scheme. 

Ujjivan Small Finance Bank Home Loan for Bank Employees – Highlights

Ujjivan Small Finance Bank Home Loan for Bank Employees – Fees and Charges

Ujjivan Small Finance Bank Home Loan for Bank Employees – Documents Required

• Proof of identity and residence (Aadhaar, PAN, passport, etc.)
• Financial documents (ITR for the last 3 years, balance sheet, profit & loss account)
• Bank account statements (last 6 months)
• Property documents (title deed, NOC from builder/society)
• Passport-sized photographs

Ujjivan Small Finance Bank Home Loan for Bank Employees – Eligibility Criteria

• Age: 18-70 years at application and maturity.
• Income: Stable, verifiable income with documents like tax returns or financial statements.
• Credit Score: High score (above 750) demonstrating good repayment history.
• Experience: Minimum 1-2 years working in the bank.
• Debt-to-Income Ratio: Low ratio, indicating manageable existing debts.
• Loan Amount: Based on appraised property value.
• Property: Clear title and meeting bank’s legal/technical criteria.