Information only
Ujjivan Small Finance Bank is a small finance bank (SFB) licensed by the Reserve Bank of India. RBI lists its address as Bengaluru. It lends through microfinance groups, individual loans, housing and micro-mortgages, vehicle loans and gold loans, and its shares are listed on stock exchanges. The bank's own site is built around personal borrowing, savings and business products. This page is an information summary, not an offer.
Loans it offers
Loan products Ujjivan Small Finance Bank lists
| Loan | What to know |
|---|---|
| Home Purchase and Construction Loan; Composite (Plot Purchase and Self Construction) Home Loan | For buying a home, or buying a plot and building on it. The property is the security. |
| Home Improvement Loan and Home Equity Loan | For upgrading a home you own, or borrowing against it. |
| Commercial Property Purchase Loan | Lists purchase of commercial property as a separate loan from the home loan. |
| Micro-Mortgages | Smaller loans against property that you own; includes a loan against property for small businesses. |
| Gold Loan | Secured by your gold. The bank's page states that no co-applicant or guarantor is needed. |
| Two-Wheeler Loan; Pre-Owned Car Loan | Vehicle finance; the pre-owned car loan covers buying or refinancing a used car. |
| Micro Loan; Group Loans; Individual Loan | Group loans cover business, agriculture and allied activities for members of a group; individual loans cover business, home improvement, livestock and general purposes. |
| Agri Loans and Kisan Pragati Card | Crop, poultry and fish-pond finance for farmers, with a Kisan Credit Card interest subvention scheme listed. |
Read how these loans work on LOANZ 360: home loans, loans against property, MSME loans, new car loans, two-wheeler loans, gold loans and agriculture loans. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Small finance bank (regulated by the Reserve Bank of India) |
| Address listed by RBI | Bengaluru |
| Holding company | Ujjivan Financial Services Limited, which was amalgamated into the bank; the scheme took effect on 30 April 2024, according to the bank's website |
| Listing | Listed company; shares trade on stock exchanges |
As of 8 November 2026, the bank's website records 30 April 2024 as the effective date of the amalgamation of Ujjivan Financial Services Limited into Ujjivan Small Finance Bank, the reverse merger.
Before you apply
- A small finance bank is an RBI-licensed bank that must lend a set share of its book to priority sectors, and its customers include small businesses, farmers and first-time borrowers.
- Group and individual micro-loans are priced and repaid differently from a home loan. Ask whether your instalment is weekly, monthly or tied to a group meeting.
- For a micro-mortgage or home equity loan, the property papers are checked. Confirm who bears valuation and legal costs.
- Ask for the Key Fact Statement (KFS) and read the annual percentage rate (APR), which carries the lender's fees.
Charges such as processing, foreclosure and penal charges are set by the lender; get them in writing. Checking your own score does not lower it, and comparing eligibility before applying helps avoid unnecessary credit enquiries: too many lender checks in a short time can lower your score. See how other lenders compare on interest rates.
Use the links above to read how each loan type works, then compare on interest rates. Browse other banks on lenders. Whether this bank is shown as a lending partner or information only is drawn by the site from live data. If shown as information only, apply on the bank's own website.
Ujjivan Small Finance Bank’s own website
Last updated 12 Nov 2026