Information only
Unity Small Finance Bank is a small finance bank (SFB) licensed by the Reserve Bank of India. RBI lists its address as New Delhi. It was formed by a consortium of the Centrum Group and Resilient Innovations, the parent of BharatPe, which received its licence in October 2021, and it took over the operations of PMC Bank in January 2022. Its public website focuses on personal loans and MSME loans. This page is an information summary, not an offer.
Loans it offers
Loan products Unity Small Finance Bank lists
| Loan | What to know |
|---|---|
| Personal loans | The site has separate pages for salaried employees, home renovation, consumer durables and an emergency personal loan. The home renovation page states that no collateral is required. |
| MSME Term Loan | A term loan for businesses that qualify as MSMEs, secured by collateral, assessed on reported financials and projections. |
| Loan Against Property and Micro LAP | Property-backed business loans; Micro LAP is a smaller loan assessed on cash flow, and first-time borrowers are welcomed. |
| Unsecured Business Loan | No security taken. The page says the business needs an existing loan repayment track record. |
| Top-up on existing secured loans | The MSME page says an existing secured loan can be transferred to the bank with a top-up. |
| Gold Loan | Listed in the navigation under personal banking, separate from the MSME page. |
Read how these loans work on LOANZ 360: personal loans, loans against property, MSME loans and gold 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 | New Delhi |
| Promoters | Centrum Group and Resilient Innovations (BharatPe's parent), as described in a rating report dated July 2026 |
| Mergers | Took over the operations of PMC Bank; the Ministry of Finance approved the merger in January 2022 |
| Licence | RBI granted the small finance bank licence in October 2021 |
As of 8 November 2026, RBI lists Unity Small Finance Bank as a small finance bank.
Before you apply
- A small finance bank is an RBI-licensed bank that must direct a set share of lending to priority sectors and serves segments such as small businesses.
- For the MSME loans, the bank's page asks for business vintage and an operating profit track record, so check these before you apply.
- Personal loan offers depend on your credit score, income and existing EMIs. A smaller, shorter loan can cost less overall than the largest amount offered.
- Read the Key Fact Statement (KFS) and the annual percentage rate (APR), and ask for charges set by the lender in writing.
Checking your own credit score does not lower it. Each lender enquiry can be recorded, so too many lender checks in a short time can lower your score; comparing eligibility first helps avoid unnecessary credit enquiries. Compare the offer on interest rates.
See the loan types in the links above and published rates on interest rates. The full list of banks is on lenders. The lending partner or information-only label is drawn by the site from live data. For a bank shown as information only, apply on its own website.
Last updated 12 Nov 2026