Ujjivan Small Finance Bank offers a Loan Against Property (LAP) with competitive terms for salaried and self-employed individuals seeking funds for business expansion, debt consolidation, or personal needs. As of 2026, the bank continues to strengthen its secured lending portfolio, targeting a more diversified loan book in line with RBI expectations following the rejection of its universal bank application in April 2026.

Ujjivan SFB is actively expanding its secured lending footprint, with MSME and property-backed loans showing strong growth momentum in 2026. The bank offers Loan Against Property to salaried and self-employed individuals seeking funds for business expansion, debt consolidation, or personal needs. Ujjivan SFB finances up to 60% of the property's market value, with loan amounts ranging from ₹5 lakh to ₹1.5 crore. The repayment tenure extends up to 15 years, subject to the applicant's age and income eligibility. Ujjivan SFB evaluates LAP applications based on creditworthiness, income stability, and property valuation. The property must be free of legal disputes and have clear title. Both residential and commercial properties are accepted as collateral. The bank conducts a technical and legal due diligence process before approval. The processing fee for Loan Against Property is 1.00% of the sanctioned amount, with a minimum of ₹10,000 and a maximum of ₹25,000. Prepayment is allowed after 6 months with a charge of 2.00% on the outstanding principal. Part-prepayment is permitted without any fee, subject to terms.

Ujjivan SFB's LAP portfolio is part of its broader strategy to diversify beyond microfinance. As of Q4 FY26, secured loans constituted 49.4% of its total loan book of ₹40,655 crore. The bank aims to grow its gross loan portfolio to ₹1 lakh crore within five years, nearly tripling its December 2026 loan book of ₹37,057 crore.

• Aadhaar Card – Mandatory for identity verification and e-KYC (Source: Ujjivan SFB official process).
• PAN Card – Required for all applicants to comply with tax regulations and loan documentation.
• Proof of Income – Salaried applicants must submit last 3 months' salary slips; self-employed must provide ITR for last 2 years.
• Bank Statements – 6 months of personal and business (if applicable) bank statements to assess repayment capacity.
• Residence Proof – Valid documents include electricity bill, rental agreement, or Aadhaar with current address.
• Property Documents – Title deed, sale agreement, property tax receipt, and latest valuation report for the mortgaged property.
• Photographs – Two recent passport-sized photographs are required for file documentation.

Submitting complete and verified documents ensures faster processing and sanction of your Loan Against Property.

The application process for Ujjivan SFB Loan Against Property is document-heavy and requires submission of property papers, financial statements, and identity proofs. The bank evaluates applicants based on age, income stability, and credit history, with processing typically taking 7–14 working days if documents are complete.

1. Submit property documents including title deed, land registry, and valuation report to initiate the LAP application.
2. Provide 6 months of bank statements and 3 years of financial statements (ITRs or audited books) for self-employed applicants.
3. Submit KYC documents: Aadhaar Card, PAN, Passport, or Voter ID as identity proof and residence verification.
4. Include employment proof such as salary slips (last 3 months) for salaried applicants or business registration for self-employed.
5. Undergo technical and legal verification of the property by Ujjivan SFB's approved agencies.
6. Attend a personal discussion or site visit if required, especially for loan amounts above ₹50 lakh.
7. Receive sanction letter with terms including interest rate 8.75 and loan amount, subject to LTV up to 75%.

Applicants must ensure all documents are accurate and up-to-date to avoid delays in disbursal. Ujjivan Small Finance Bank offers a Loan Against Property (LAP) with competitive interest rates starting from 8.75 and going up to 18. The bank provides loan amounts up to ₹1.5 crore with a maximum tenure of 15 years, making IT suitable for self-employed professionals and businesses seeking mid-term capital. Key benefits include minimal documentation, fast disbursal within 7–10 working days, and no requirement for guarantor or third-party security. Ujjivan SFB also allows prepayment of the loan after 12 EMIs with no foreclosure charges on floating rate loans, in line with RBI guidelines.

Ujjivan SFB's LAP is particularly suited for small business owners and professionals in tier-2 and tier-3 cities. The bank's digital-first approach ensures quick verification and disbursal, with 95% of applications processed online. As of Q4 FY26, the bank's gross loan book stood at ₹40,655 crore, reflecting a 26.6% YoY growth, with secured loans forming 49.4% of the portfolio. The bank's GNPA was 2.68% as of December 2024, within regulatory limits, indicating stable asset quality. While the RBI returned Ujjivan SFB's universal bank application in April 2026 due to insufficient loan diversification, the bank continues to strengthen its secured lending segment, targeting a 3x growth in its loan portfolio over five years.