UNITY SFB Personal Loan
Benefits of UNITY SFB Personal Loan
Loan Amount Tenure Application Process
Loan from ₹50,000 6 months to 36 ● Hassle-free and paperless
to ₹5 lakhs months ● 100% digital process
Benefits of UNITY SFB Personal Loan
Disbursal Interest Rates Others
Fast loan disbursal 18% p.a. to 30% p.a.
● Pay in easy and affordable EMIs
● No hidden charges
● RBI regulated
● Customer must be a new user to apply for the loan
Important Terms & ●
●
Customer must complete the application on their device
Customer mobile number should be linked with their Aadhaar
Conditions ● Approval/Rejection of Loan Application is solely at
the discretion of Unity SFB
Eligibility Criteria Salaried
● Age Group: 23 to 55 years
● Income Range: ₹25,000+
● Documents Required:
● Identity proof: Any one of the documents - Passport, PAN Card,
Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, or any
other government-approved ID, Student ID Card, College Documents
● Address proof: Any one of the documents - Telephone bill, Electricity
bill, Passport, Ration card, Rental agreement, Aadhaar card, or any
other government-approved ID
● Income Proof: Salary certificate, Recent salary slip,
Employment letter, etc.
Eligibility Criteria Self-employed
● Age Group: 23 to 55 years
● Income Range: ₹25,000+
● Documents Required:
● Identity proof: Any one of the documents - Passport, PAN Card,
Ration Card, Aadhaar Card, Voter ID Card, Driving Licence, or any
other government-approved ID, Student ID Card, College Documents
● Address proof: Any one of the documents - Telephone bill, Electricity
bill, Passport, Ration card, Rental agreement, Aadhaar card, or any
other government-approved ID
● Income Proof: 6 months bank statement
● Business Proof: Udyog Aadhar (However, Udyog Aadhar is optional
and subject to being electronically sourced and validated), OR
Shops & Establishments Act
Other Eligibility Criteria
● Customer must be an Indian resident
Application Process
Before we start, please keep the following
details and documents handy
● Aadhar Card
● PAN Card
● Bank details and statement
Let’s start!
Click on the link shared by your advisor
and start the application for Unity SFB
Personal Loan
01
Enter your mobile number,
accept the terms and conditions
and click on “Send OTP”.
02 Enter the OTP received
on your mobile number.
03
Enter your PAN and Aadhar
number. Also, upload png/jpeg
files of your Aadhar Card and
PAN Card and submit.
04
Enter the OTP sent to
your Aadhar registered
mobile number.
05
The next step is to add your personal
details. Select your title (Mr/Mrs),
and enter your first and last name,
date of birth, gender, father’s name,
residence type, personal email
address and full address.
06
Enter your desired loan amount,
tenure and purpose of the loan. Add
your occupation details such as
salaried/self-employed, company
name, sector, industry, sub-industry
the nature of the business.
07
Enter your work experience in your
company in years and months, your
total work experience in years and
months and your official email
address. Enter your monthly salary
and enter your ongoing EMI amount,
if applicable. Enter your office
address and submit the details.
08
Your loan offers will be displayed on
the screen according to your initial
eligibility. Select the option that best
suits your needs. You can customise
the amount and tenure of your
selected loan. Review the details
and click on “Proceed”.
09
You will be redirected to a
Personal Details page where most
of your details will be pre-filled.
Enter additional details such as
your mother’s maiden name, your
marital status, educational
qualification, religion and caste.
Review your current address and
continue.
10
The next step is banking
analysis. Choose to upload your
bank statement or go through
net banking login to analyse
your banking history. Upload at
least the last 6 months’ bank
statements that are
bank-generated and
in PDF format.
11
Select your bank name, and enter
your username and password. Click
on “Next” and upload your 6-month
bank statement.
12
Enter your account type, bank
name, IFSC Code and branch
name. Verify and click on
“Continue”.
13
Your final loan offers will be
displayed on the screen again.
Choose your desired offer, loan
amount and tenure and
continue to KYC.
14
Keep your physical PAN card, white
sheet of paper and black/blue pen
and start the
video KYC call.
15
Click on the link given in the
message shared to your registered
mobile number and start the KYC
process. After the KYC process is
over, you will be verified,
Click on continue.
16
Continue to e-sign your loan
agreement. Read your loan
agreement carefully and complete
the process. After e-signing, move
on to initiate the autopay mandate.
17
Review your bank details and select
your due date for EMI payment
every month and set up AutoPay.
18
In the last step, review your
loan details and select your
disbursement type. Click on
“Complete Application”.
Your loan will be disbursed
to your bank account shortly.
● Is a guarantor required for me to avail of
Unity SFB Personal Loan?
No, a guarantor is not required as it is an unsecured loan
Help & Support ● If I am self-employed, do I have to submit my ITR
and of how many years?
FAQs
No, currently ITR is not mandatory, but bank details,
Aadhar and PAN card are necessary to apply for
Unity SFB Personal Loan.
● Is there any processing fee?
Yes, the processing fee for personal loans is 3% of
the total loan amount.
● What if my application gets interrupted due to a
network issue?
In case you want to resume your application journey, you can
resume by logging in with the same phone number via OTP
within 15 days of the date of registration. In case you log in
5 days after the registration date, you will have to start the
Help & Support
application process from the beginning.
● What are the documentation charges?
FAQs There is a processing fee of 3% of the total loan amount and
franking charges vary according to the state of residence
● Are there any pre closure penal charges?
Unity SFB complies with a lock-in period for the first 6 months of the
loan offered. Post 6 months, preclosure charges are 5% of the total
remaining loan amount.
● How long will it take for me to get the loan amount
once approved?
Your loan will be disbursed in a maximum of two hours.
Help & Support ● What is the interest rate for the Unity SFB Personal Loan?
The interest rate for the personal loan is based on risk-based pricing
FAQs parameters which range from 18% to 30% for an individual.
● Can I apply for a personal loan jointly with my spouse?
No, a customer cannot apply jointly for a personal loan offered
by Unity SFB.
Congratulations!
Now you can enjoy your hassle-free UNITY SFB Personal Loan.