Last updated: 1 November 2026
Rates and charges at a glance
Interest rate2% – 18% p.a. (based on credit profile)
Loan amount₹20,000 – ₹50,00,000
Tenure12 months – 15 years
Processing fee2% of the loan amount
EMI bounce charge₹590 per bounce
Pre-closure chargesNil
How your rate is decided
The rate offered depends on your credit profile, repayment history, income, loan amount, tenure and the type of loan. The exact rate, fee and EMI are shown in your sanction letter and loan agreement before you accept.
Processing fee
A one-time fee of 2% of the loan amount, as stated in your sanction letter.
EMI bounce charge
If an EMI payment bounces, a charge of ₹590 applies per bounce. Please keep enough balance in your account on the due date.
Pre-closure
There are no charges for closing your loan early.
Transparency
We do not charge any fee that is not disclosed in your agreement. Use our EMI calculator to estimate your repayments. Questions: help@ujjwalfinancial.com or call 1800 202 6198.