Looking for a Corporate Business Loan from Ujjivan Small Finance Bank?

This page summarises all the information you may need to make a sensible and sound decision.

Business Loans from Ujjivan Small Finance Bank

Being one of the small finance banks in India, Ujjivan Small Finance Bank offers a range of business loans to different segments of its customer base. The bank offers these loan schemes so that corporate customers can use to raise funds to run the business. The bank also offers other financial products to its retail customers and other entities.

The business loan offered by Ujjivan Small Finance Bank are:

  • Secure Businesses Loan
  • Secure Enterprise Loan
  • Loan Against Property
  • Overdraft Against Property
  • Business Edge Term Loan
  • Business Edge Overdraft

We give you a brief introduction to the business loan below.

Ujjivan Small Finance Bank Secure Business Loan

The loan helps business owners raise funds for their working capital and capital expenditure needs. The maximum loan amount sanctioned under this loan is Rs. 25 lakh.

Features of Ujjivan Small Finance Bank Secure Business Loan

Why this Loan?

Ujjivan Small Finance Bank Secure Enterprise Loan

The loan helps large corporations raise funds for their working capital and capital expenditure needs. The maximum loan amount secured under this loan is Rs. 50 lakh.


Features of Ujjivan Small Finance Bank Secure Enterprise Loan

Why this Loan?

Ujjivan Small Finance Bank Loan Against Property

This loan helps business owners raise capital towards expanding their business by availing a loan against property. The maximum loan amount is Rs. 10 lakh.

Features of Ujjivan Small Finance Bank Loan Against Property

Why this Loan?


Ujjivan Small Finance Bank Overdraft (OD) Against Property

This overdraft helps business owners raise capital for their short-term business needs. The maximum loan amount is Rs. 50 lakh.

Features of Ujjivan Small Finance Bank Overdraft Against Property

Why this Loan?

Ujjivan Small Finance Bank Business Edge Term Loan

The loan helps businesses carry out different activities right from acquiring land and building office to purchasing machinery and vehicles. The loan must be repaid within 10 years.

Features of Ujjivan Small Finance Bank Business Edge Term Loan

Why this Loan?

Ujjivan Small Finance Bank Business Edge Overdraft

The loan helps businesses carry out different activities right from acquiring land and building office to purchasing machinery and vehicles. The loan must be repaid within 12 months.

Features of Ujjivan Small Finance Bank Business Edge Overdraft

Why this Loan?

Important Note: Even though the bank’s website has information available for six business loan schemes at this time, there is a possibility that the bank may offer more corporate loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate

  • The interest rate for Ujjivan Small Finance Bank business loans ranges from 14% to 19%. As of October 2020, the actual interest rate applicable on each loan is not mentioned on the bank’s website. Please check with the bank for more details

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card/ PAN Card Issue Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • For term loans: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For Term Loans Only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security: Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References
  • For term loans only: Project report with details on product choice, market survey, projection of production and sales, infrastructural needs, etc.; projected cash and fund flow statement for the repayment period; and copies of all licenses and permits wherever applicable

Reference Facts

  • Ujjivan Small Finance Bank Website: www.ujjivansfb.in
  • Head Office: Bengaluru, Karnataka
  • Customer Care Toll-Free Number: 1800 208 2121