Unity SFB Personal Loan
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 300 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
Unity Small Finance Bank offers a collateral-free personal loan of up to ₹5 lakh through a 100% digital, zero-paperwork process — suitable for eligible salaried and self-employed applicants who need funds for weddings, travel, emergencies and other personal needs.
Key benefits
- Loan of up to ₹5 lakh
- 100% digital process with zero paperwork
- Minimal documentation
- Collateral-free
- Instant disbursal for eligible applicants
Frequently asked questions
What is the loan tenure?
From 12 months to 36 months.
What is the minimum and maximum loan amount?
From ₹1 lakh up to ₹5 lakh.
Is a top-up available on existing loans?
No — top-up services on existing personal loans are not available.
What are the interest rates?
Risk-based, ranging from 16% to 30% per annum, fixed for the entire tenure.
Can I foreclose or prepay?
A 6-month lock-in applies; after that, prepayment may be available with applicable pre-closure charges.
Fees & charges: Interest 16%–30% p.a. (fixed); processing fee 3%; foreclosure charge 4% of the outstanding (after a 6-month lock-in, prepayment with a 5% charge on the remaining amount). Loan approval, amount, interest and charges are decided solely by Unity Small Finance Bank as per their prevailing terms.
Terms that matter
- You must be a new Unity Small Finance Bank customer with no existing relationship with the bank.
- Your Aadhaar-linked mobile number should be used throughout the application, and you must have at least 18 months of credit bureau history.
- Personal loan tenure ranges from 12 to 36 months; no top-up facility is available on existing personal loans.
- The interest rate is fixed for the entire tenure. A 6-month lock-in applies; after that, prepayment may be allowed with a 5% pre-closure charge on the remaining amount.
- Loan approval, amount, interest and charges are at the sole discretion of Unity Small Finance Bank.
Earn 300 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.