Application Process

Check Eligibility

Provide basic details to check your eligibility in just 5 minutes

Select Loan Tenure

Choose your loan amount & repayment tenure

Upload Documents

Complete your KYC & Verify income

Amount Disbursed

Direct Bank A/c transfer in a few minutes!

Real Customers,
Real Stories

People Thought about Ujjwal Finance

4.8

Rating

Murugan

Chenai

“I have taken Instant personal loan from here for which processing time was very less. Customer support executives were really helpful who guided me throughout the process.”

Read Story

I love Ujjwal Finance

Amol PB

Mumbai

“I will give 5 stars to Ujjwal Finance for its good service, the executive handling my loan application was extremely professional & helpful. He guided me throughout the process where I required help. ”

Read Story

I love Ujjwal Finance

Amit Sharma

Indore

“I took an online personal loan from here, the processing was fast and it was a smooth and hassle-free process with disbursal on time. ”

Read Story

I love Ujjwal Finance

Rekha

Kolkata

“Instant Loans are best for urgent requirements. I applied for the same from Ujjwal Finance. The process to apply was very simple and easy. I got the approval message within seconds and disbursal happened on the same day. ”

Read Story

I love Ujjwal Finance

Sumit Kumar

Hydrabad

“My loan application was processed in just one day and the next day the money was disbursed. Happy me.”

Read Story

I love Ujjwal Finance

Loan Information

Loan Tenure (Repayment Period)
👉Example:
Repayment Period: Min 12 months – Max 180 months
Maximum APR (Annual Percentage Rate)
👉Example:
Min 6.99% Max APR: 11% per annum
Representative Example (Total Cost of Loan)
👉Example:
If you borrow ₹1,00,000 for 12 months at an APR of 6.99%, the total interest payable will be ₹3,827, so the total repayment amount will be ₹1,03,827.

Loan Disclosure

Repayment Period: min 12 months, max 180 months
Min APR: 6.99% Max APR: 11% per annum
Representative

Example: If you borrow ₹1,00,000 for 12 months at an APR of 6.99%, the total repayment amount will be ₹1,03,827 (including ₹3,827 interest).

What makes us better?

Own Credit Model

Get better offers regardless of your credit score

100% Transparent

No Hidden Charges, No Surprises!

Hassle-free

No agent application process

Easy EMI

Min 12 Month Max 180 month

Personal &. Business loan

An Loan in 24 Hours is a type of personal loan where the full process—from application to approval and fund disbursement—is completed within a single day. It provides fast financial assistance for urgent needs like medical bills, car repairs, or unexpected expenses.

These loans are usually unsecured and processed entirely online, requiring minimal documentation. However, due to the speed and convenience, they often come with slightly higher interest rates.

How It Works:

Apply Online:
Complete your loan application through the lender’s website or mobile app.
Digital Verification:
Upload documents and complete identity verification using digital KYC methods.
Quick Approval:
Based on your credit score and income, the lender reviews and approves your application swiftly.
Rapid Disbursement:
Once approved, the loan amount is credited to your bank account—often within hours.

-24 HOURS is all it takes!

Features and Benefits of Getting a Loan

Here’s why choosing an instant, paperless loan from Ujjwal Finance can be a smart financial move:

Check your loan eligibility in just 5 minutes
Borrow amounts starting from ₹50,000 up to ₹25 Lakhs
Enjoy flexible repayment tenures of up to 15 years
Get the loan amount disbursed within 24 hours of approval
Benefit from low interest rates starting at 0.75% per month (9% annually*)
Experience a fully digital process—from application to repayment

Your Gateway To Strategic Business Loans

Personal Loan

A personal loan is an amount of money you can borrow to use for a variety of purposes

Home Loan

Loan advanced to a person to assist in buying a house or flat

Business loan

A business loan is a financial arrangement that provides businesses with funds to meet their financial needs.

Education Loan

An education loan is a sum of money borrowed to pay for higher education

Secured loans

Secured loans are business or personal loans that require some type of collateral as a condition of borrowing

Loan Against Property

Home renovations, Business expansions, Investments, Debt consolidation, Education expenses, and Medical emergencies

Instant Loan

It is our record breking service of instant loan provide

Top 10 Reasons to Apply for an Loan from Ujjwal Finance

A personal loan can be an incredibly versatile financial tool. Since it's a type of unsecured credit, you can use the funds for almost any purpose—without restrictions. Not sure how a personal loan could help you? Here are some of the most common reasons people apply for instant loans:

Debt Consolidation: Combine high-interest debts into a single, lower-interest personal loan.
Build Credit History: Take out a loan and repay it on time to strengthen your credit score.
Home Renovation: Fund your home improvement project to enhance style and comfort.
Dream Vacations: Finance that well-deserved trip to your dream destination.
Emergency Expenses: Cover urgent costs like medical bills or unexpected repairs.
Special Events: Plan and celebrate major life events like weddings or parties, your way.
Business Ventures: Kick-start your startup or small business with essential funding.
Credit Card Repayment: Clear high-interest credit card balances efficiently.
Higher Education: Pursue your academic goals without worrying about tuition fees.
Interior Furnishing: Redesign your living space with modern and stylish furnishings.

How to Monitor Your Loan Application

After submitting your loan application, you can track its progress through different methods based on the platform you used to apply.

Follow these steps to check your loan application status:

1. If you applied through our website:

Visit the login page on our website. Click here: Check Status
Log in using your registered mobile number
Navigate to the “Dashboard” section of your loan account
Scroll down to the “Application Status” tab to view the current status of your loan application

Rates & Charges

Minimum Loan Amount

Rs. 50,000 /-

Maximum Loan Amount

Rs. 25,00,000 /-

Tenure Days

Min 12 Month Max 180 Month

Processing Fee

Upto 2% of loan amount

No Pre

No pre - closure charges

ROI (Rate of interest)

Upto 1% Per Day

GST on processing fee

18%

APR (Annual Percentage Rate)

6.99% per annum

Bounce Charges

Rs. 500 /- Per Bounce

Loan Amount	APR	Tenure	Processing Fees	Gst on Processing Fees	Amount Disbursed	Total Repayment Amount	Total Interest
Rs.1,00,000	6.99% per annum	12 Month	Upto 2% of loan Amount	18%	Rs. 97,640	Rs.1,03,827	Rs.3,827

Personal & Business Loan from ₹50K to ₹25L in minutes!

Fast & Secure

Check eligibility in 5 Minutes!

Application Process

Check Eligibility

Select Loan Tenure

Upload Documents

Amount Disbursed

Calculate Your EMI

Real Customers, Real Stories

4.8

Loan Information

Loan Disclosure

What makes us better?

Own Credit Model

Get better offers regardless of your credit score

100% Transparent

No Hidden Charges, No Surprises!

Hassle-free

No agent application process

Easy EMI

Min 12 Month Max 180 month

Personal &. Business loan

How It Works:

Features and Benefits of Getting a Loan

Here’s why choosing an instant, paperless loan from Ujjwal Finance can be a smart financial move:

Your Gateway To Strategic Business Loans

Personal Loan

A personal loan is an amount of money you can borrow to use for a variety of purposes

Home Loan

Loan advanced to a person to assist in buying a house or flat

Business loan

A business loan is a financial arrangement that provides businesses with funds to meet their financial needs.

Education Loan

An education loan is a sum of money borrowed to pay for higher education

Secured loans

Secured loans are business or personal loans that require some type of collateral as a condition of borrowing

Loan Against Property

Home renovations, Business expansions, Investments, Debt consolidation, Education expenses, and Medical emergencies

Instant Loan

It is our record breking service of instant loan provide

Follow these steps to check your loan application status:

Rates & Charges

Apply for an Loan

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Real Customers,
Real Stories