If you have applied for a Ujjivan Small Finance Bank Personal Loan and wish to check its status, we will guide you on how to track your Ujjivan Small Finance Bank Loan status either online or offline. Applicants can easily track the status of their Ujjivan Personal Loan using any of the methods outlined below.
Additionally, please note that Ujjivan Small Finance Bank offers personal loans of up to ₹3 lakh under the category of “Individual Loans,” with interest rates starting at 23% per annum. This loan can be repaid over a tenure of up to 3 years. Furthermore, the bank also offers top-up personal loans of up to ₹1 lakh.
How to Check Ujjivan Small Finance Bank Loan Status Online
- Visit the website https://ujjivansfb.rupeepower.com/, which is jointly operated by Ujjivan Small Finance Bank and Rupee-Power.
- Click on “Track your Application.”
- Enter your required details.
- Click the “Submit” button to check your Ujjivan Small Finance Bank Loan status
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How to Check Ujjivan Small Finance Bank Loan Status Offline
Bank has not designated a dedicated customer service number specifically for checking the Ujjivan Small Finance Bank status of personal loan applications. Instead, applicants can use the general Ujjivan Personal Loan customer service numbers for this purpose. This will display your Ujjivan Small Finance Bank status.
- Phone Number: 1800-208-2121
- NRI Helpline Number: 08068682121
- You may also write to Ujjivan Finance at customercare@ujjivan.com.
How to apply for a Ujjivan Small Finance Bank Personal Loan?
The procedure for applying for a Ujjivan Personal Loan is outlined below:
- First, visit the bank’s official website.
- Next, navigate to the “Loans” section and select the “Micro Individual Loan” option.
- Now, click on ‘Apply Now’.
- A form will appear; fill in all the required details.
- After submitting your application, you will receive a call from the bank.
Types of Ujjivan Personal Loans
Individual Business Loan (IBL):
This loan is designed for applicants seeking funds to fulfill their business-related requirements.
Individual Livestock Loan (ILL):
This loan can be utilized to meet financial needs associated with livestock rearing activities.
Home Improvement Loan (HIL):
Customers wishing to upgrade or repair their homes can avail of a Home Improvement Loan from Ujjivan.
Individual Agriculture Loan (IAL):
Customers can avail of this loan to support agriculture-related activities.
Individual Top-up Loan (ITL):
Customers who have previously availed of a personal loan from Ujjivan Bank can obtain a top-up loan of up to ₹1 Lakh on their existing loan.
Factors Influencing Personal Loan Applications
Age
Ujjivan Small Finance Bank offers personal loans to applicants aged between 22 and 58 years. Consequently, personal loan applications from individuals exceeding this prescribed age limit will be rejected. Since some banks have set higher upper age limits for personal loan applicants, older applicants should visit online financial marketplaces to compare offers across a wider range of banks and NBFCs. Pensioners can also avail of a pension loan from the specific bank where their pension account is maintained.
Monthly Income
Most banks and NBFCs prefer to grant personal loans to individuals who allocate only 50% to 60% of their monthly income towards EMIs (covering both existing EMIs and the EMI for the proposed loan). This metric is also referred to as the EMI-to-Net Income Ratio. If your ratio exceeds this threshold, your application may be rejected.
Relationship with the Bank
If you apply for a personal loan at a bank or NBFC where you already hold a deposit or credit account, your chances of securing the loan are significantly higher. Furthermore, some banks and NBFCs offer pre-approved personal loans to their existing customers.
Credit Score
Individuals with a CIBIL score of 750 or higher have a greater likelihood of securing a loan. They may also be eligible to obtain loans at lower interest rates. Therefore, loan applicants should regularly check their credit standing and periodically obtain their credit reports.
Profession
Banks and NBFCs typically prioritize salaried applicants over self-employed individuals when processing personal loan applications.
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FAQs
Customer Service Number for Ujjivan Small Finance Bank Personal Loans?
For any inquiries regarding Ujjivan Small Finance Bank personal loans, you can call them directly at this number: 1800 208 2121.
How long does it take to obtain a loan from Ujjivan Small Finance Bank?
If you are applying for a loan from this Small Finance Bank, smaller loans are typically disbursed quickly—within 24 hours. However, if the loan amount is substantial, it may take at least 2 to 3 days.
What types of loans are available from Ujjivan Small Finance Bank?
You can avail of various types of loans from Ujjivan Small Finance Bank, including Personal Loans, Car Loans, Home Loans, Education Loans, and more.
How much of a Personal Loan can I avail from Ujjivan Small Finance Bank?
You can avail a Personal Loan of up to ₹3 Lakhs from Ujjivan Small Finance Bank.
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