PopularPersonal Loans
Flexible loans for weddings, travel, medical, and other personal needs with quick approval.
Apply nowUjjawala Finance — simple, transparent loans for every milestone
27+Years of trusted expertise
2,520+Loans approved
22,400+Satisfied clients
6Offices across India
Explore our loans
Finance for every milestone
Choose a loan that fits your need — personal, business, home, vehicle and secured financing, all applied for in the same simple way.
Popular
BusinessBusiness Loans
Power your business growth with customized financing solutions for every stage.
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SecuredHome Loans
Turn your dream home into reality with affordable interest rates and flexible EMI options.
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SecuredMortgage Loans
Leverage your property value with secure mortgage loans at competitive rates.
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StudentEducation Loans
Cover tuition, living costs, or study abroad with flexible student loan options.
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Vehicle
Vehicle
Secured
MSME
Urgent
FarmersAgricultural Loans
Low-interest credit for farmers to buy seeds, machinery, and boost yields.
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SecuredEMI calculator
Know your EMI before you apply
Slide to see your monthly repayment, total interest and the full cost of the loan. No sign-up needed.
₹50,000₹20,00,000
7.9%12%
12 months10 years
Indicative figures on a reducing balance. Actual rate depends on your credit profile and verification. T&C apply.
Our process
From application to disbursal in 4 steps
Fill the form → upload documents → verification → loan approval & credit.
Application
Start by filling a simple online form with your basic details.
Documentation
Upload KYC and income documents as per requirements.
Approval
Our team reviews and verifies the submitted information.
Disbursal
After approval, the loan amount is released to your bank account.
Why Ujjawala Finance
Transparent solutions, trusted guidance
Straightforward approvals, minimal documentation and complete clarity at every step.
Fair, clear pricing
Rates from 7.99% p.a., a 2% processing fee and no hidden charges. Full APR disclosure.
100% digital & paperless
Apply, upload documents and track your loan from your phone — no branch visits.
No pre-closure charges
Repay early whenever you like without a penalty.
Flexible tenure
Choose from 12 months up to 10 years to match your budget.
Secure by design
Your details are encrypted and used only for your loan application.
RBI-registered NBFC
We follow RBI regulations with a dedicated, time-bound grievance mechanism.
Before you apply
Eligibility & documents, at a glance
Age
21 to 60 years. Valid ID proof required.
Income
Salaried: ₹15,000+ monthly. Self-employed: ₹2.5L+ annually.
Stability
Salaried: 2 yrs experience, min. 1 yr in current job. Business: 3 yrs in operation.
- Aadhaar Card
- PAN Card
- Passport
- Electricity Bill
- Ration Card
- Driving License
- Passport-size photographs
- Age proof certificate
- Educational certificates
Your loan account
Your loan, clearly in view
Everything about your loan in one secure place, from application to the last EMI.
- Track every step live — documents, approval and disbursal status
- Letters on demand — approval letter, verification letter and receipts as PDFs
- Pay EMIs securely — instant receipt for every payment
- Instant notifications — updates even when the website is closed
Application statusDocuments verified
AppliedVerifiedApprovedCredited
Illustration of the dashboard timeline.
FAQs
Quick answers
How much can I borrow, and at what rate?
You can apply for ₹50,000 up to ₹20,00,000. Interest starts at 7.99% p.a. and goes up to 12% p.a. depending on your credit profile.
What are the fees?
The processing fee is 2% of the loan amount and an EMI bounce charge of ₹590 applies per bounce. There are no pre-closure charges.
How long can I repay over?
Anywhere from 12 months up to 10 years (120 months).
Which documents do I need?
Identity proof (Aadhaar, PAN or passport), address proof (electricity bill, ration card or driving licence) and a few additional documents such as photographs. See the full checklist.
How do I track my application?
Log in with the mobile number and PAN from your application. Your dashboard shows each step, letters, receipts and payments.
Who do I contact if I have a complaint?
Write to help@ujjawalafinance.com or call 1800 202 6198. We aim to resolve concerns within 5 working days, as per RBI norms.
Rates, fees & disclosures
Interest rate7.99% – 12% p.a. (based on credit profile)
Loan amount₹50,000 – ₹20,00,000
Tenure12 months – 10 years
Processing fee2% of the loan amount
EMI bounce charge₹590 per bounce
Pre-closure chargesNone
APR (incl. interest, processing fee & standard costs)7.9% – 12%
Representative example₹1,00,000 at 7.9% p.a. for 24 months: EMI ≈ ₹4,543, interest ≈ ₹8,242, total ≈ ₹1,08,242
Loan approval requires full KYC and income validation. *T&C apply.
Your finance partner for every need. Get started now.
Apply online in about 2 minutes. 100% digital, secure and transparent — no branch visits.