Ujjivan SFB Home Loan in Pune
Interest rates from 8.75% p.a. · EMI from ₹43,269/month for a ₹55L loan over 30 years. Updated for 2026.
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Quick EMI Estimate
Based on the average loan amount in Pune (₹55 lakh) at Ujjivan SFB's minimum rate of 8.75% p.a.
Why choose Ujjivan Small Finance Bank for a home loan in Pune?
Offers one of the more competitive SFB floors, with home loans up to ₹75 lakh.
Pune balances affordability with strong infrastructure. The Hinjewadi-Wakad belt remains the most active corridor for first-time home buyers.
Popular Pune localities for home buyers
Pune's most active home-buying corridors are concentrated in these areas, where Ujjivan SFB customers are typically funding 70–90% of property value:
Average property price (2BHK): ₹75 lakh · Per-sqft rate: ₹9,500
How much will you save by prepaying?
A ₹55 lakh Ujjivan SFB home loan at 8.75% over 20 years means you pay roughly ₹61,64,960 in interest alone — almost as much as the principal itself.
A modest ₹10,000/month prepayment can shave 6–8 years off your tenure and save ₹15–25 lakh in interest. The NestSaver prepayment simulator shows you exactly how much, in seconds.
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Frequently Asked Questions
What is the Ujjivan SFB home loan interest rate in Pune?
Ujjivan Small Finance Bank offers home loans in Pune starting at 8.75% p.a., going up to 17.75% p.a. depending on your CIBIL score, loan amount, and employment profile. The processing fee is Up to 1%.
What is the EMI for a ₹55 lakh Ujjivan SFB home loan in Pune?
For a ₹55 lakh loan from Ujjivan Small Finance Bank at 8.75% interest, the EMI is approximately ₹48,604 for 20 years, ₹45,218 for 25 years, and ₹43,269 for 30 years. Use the NestSaver calculator above for exact figures based on your loan amount and tenure.
How much home loan can I get from Ujjivan SFB in Pune?
Ujjivan Small Finance Bank typically finances up to 90% of the property value as a home loan in Pune, subject to a maximum tenure of 20 years. Your eligibility depends on your monthly income, existing EMIs, and credit score (typically 750+ for the best rates).
What documents are required for Ujjivan SFB home loan in Pune?
You will need identity proof (Aadhaar/PAN), address proof, last 3 months' salary slips, last 6 months' bank statements, Form 16 or ITR for 2 years, and property documents (sale agreement, NOC from builder/society, approved plan). Self-employed applicants need GST returns and business proof.
Is prepayment allowed on a Ujjivan SFB home loan?
Yes. Under RBI guidelines, Ujjivan Small Finance Bank cannot charge any prepayment penalty on floating-rate home loans. You can make partial or full prepayments at any time to reduce your interest burden. Use the NestSaver prepayment simulator to see exactly how much you can save.
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