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Au Small Finance Bank Home Loan vs Ujjivan Small Finance Bank Home Loan Home Loan Comparison | Ambak

The au small finance bank vs ujjivan small finance bank home loan comparison: AU Small Finance Bank (2,400+ touchpoints across India, SFB) offers AU Bhavishya Home Loan; Ujjivan Small Finance Bank (750+ branches across India, SFB) offers Ujjivan Home Loan and Micro Home Loan. Differences lie in schemes, eligibility, digital experience and customer segments.
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Which banks saves you more?

au small finance bank vs ujjivan small finance bank: AU Small Finance Bank offers AU Bhavishya Home Loan with semi-urban and tier-2/3 reach and AU 0101 digital platform. Ujjivan Small Finance Bank offers Ujjivan Home Loan and Micro Home Loan with Micro Home Loan for informal income. Related search: ujjivan small finance bank vs au small finance bank. Choice depends on borrower profile, scheme fit and network reach.
AU Small Finance Bank
AU Small Finance Bank
Home Loan
Ambak Recommended
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
Home Loan
vs
Home loan comparison between AU Small Finance Bank and Ujjivan Small Finance Bank
MetricAU Small Finance BankUjjivan Small Finance Bank
Interest Rate
10% – 13%
8.75% – 18%
Interest Rate
10% – 13%
8.75% – 18%
Processing Fee
Rs. 15,000 + GST
Rs. 15,000 + GST
Processing Fee
Rs. 15,000 + GST
Rs. 15,000 + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹2000000 Cr
₹2500000 Cr
Max Loan Amount
₹2000000 Cr
₹2500000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
EMI per Lakh
₹966
₹884
EMI per Lakh
₹966
₹884

Why Choose AU Small Finance Bank Home Loan

AU Small Finance Bank is a SFB lender with 2,400+ touchpoints across India. Variants include AU Bhavishya Home Loan, designed for salaried, self-employed and semi-urban buyers. Key features include semi-urban and tier-2/3 reach, AU 0101 digital platform and self-employed underwriting. AU Small Finance Bank suits borrowers looking for SFB with semi-urban distribution.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose Ujjivan Small Finance Bank Home Loan

Ujjivan Small Finance Bank is a SFB lender with 750+ branches across India. Variants include Ujjivan Home Loan and Micro Home Loan, designed for affordable, informal-income and micro-housing buyers. Key features include Micro Home Loan for informal income, doorstep documentation and affordable-housing focus. Ujjivan Small Finance Bank suits borrowers looking for affordable housing for informal-income segment.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate AU Small Finance Bank vs Ujjivan Small Finance Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
8.75%
EMI
₹ 88,371
Interest
₹ 1,12,09,040
Total
₹ 2,12,09,040
Your Total Savings
₹ 19,51,440
AU Small Finance Bank
AU Small Finance Bank
10%
EMI
₹ 96,502
Interest
₹ 1,12,09,040
Total
₹ 2,31,60,480

AU Small Finance Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 10% is slightly higher than Ujjivan Small Finance Bank's 8.75%
  • •Monthly EMI of ₹966/lakh is ₹82 more than Ujjivan Small Finance Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Ujjivan Small Finance Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 8.75% — that's cheaper than AU Small Finance Bank's 10%
  • •You pay only ₹884/lakh per month — ₹82 less than AU Small Finance Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹25 Cr — suitable for high-value properties
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare AU Small Finance Bank with other banks

Compare Ujjivan Small Finance Bank with other banks

AU Small Finance Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 10% is slightly higher than Ujjivan Small Finance Bank's 8.75%
  • •Monthly EMI of ₹966/lakh is ₹82 more than Ujjivan Small Finance Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Ujjivan Small Finance Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 8.75% — that's cheaper than AU Small Finance Bank's 10%
  • •You pay only ₹884/lakh per month — ₹82 less than AU Small Finance Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹25 Cr — suitable for high-value properties
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

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