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Disclaimer: Ujjivan Small Finance Bank is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Ujjivan Small Finance Bank for personal loans. No offers/services from Ujjivan Small Finance Bank are being provided by Paisabazaar for personal loans. For further information about Ujjivan Small Finance Bank for personal loans, users are required to reach out directly to Ujjivan Small Finance Bank.
Ujjivan Small Finance Bank Personal Loan applicants can track their application status either online or offline. They can check their Ujjivan personal loan status in the following ways.
How to Check Ujjivan Small Finance Bank Personal Loan Status Online
- Visit https://ujjivansfb.rupeepower.com/ website, jointly managed by Ujjivan Small Finance Bank and RupeePower.
- Click on “Track your Application”
- Fill in the required details
- Click on “Submit” button and get your application status.
How to Check Ujjivan Small Finance Bank Personal Loan Status Offline
While Ujjivan Small Finance Bank has not specified any customer care number for personal loan application status, the applicants can try Ujjivan Personal Loan Customer Care Numbers to enquire about the status of their Ujjivan personal loan application offline.
Phone Number: 1800-208-2121
NRI Helpline Number: 08068682121
They can also write to Ujjivan Finance at customercare@ujjivan.com
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Factors affecting Personal Loan Application Status
Age
Ujjivan Small Finance Bank offers personal loan to applicants aged between 22 to 58 years. Thus, personal loan applications made by those exceeding the age limit would be rejected. As some lenders have set higher age limit for personal loan applicants, those exceeding the age limit set by Ujjivan should visit online financial marketplaces to compare as many personal loan lenders as possible. Retired individuals drawing pension can also avail pension loans from the bank with whom they are maintaining their pension accounts.
Monthly Income
Most lenders have set minimum cut-offs for the monthly income of their personal loan applicants. This helps them to assess the EMI affordability of their personal loan applicants. Additionally, applicants whose EMI/NMI ratio is within 50-60% have higher chances of getting their loan applications approved.
Relationship with the Lenders
Existing customers having lending or banking relationship with the bank have higher chances of getting their personal loans approved. Many lenders also offer preferential interest rates as well as pre-approved personal loans to such applicants.
Credit Score
Lenders usually consider the credit score of their applicants while evaluating personal loan applications. Applicants having credit scores of 750 and above have higher chances of getting their personal loan applications approved and might be offered lower interest rates. Therefore, loan applicants should check their credit scores and fetch the credit reports periodically. In case of any errors, the credit bureau should be informed for rectification.
Occupation
Lender usually prefer salaried applicants over self-employed for personal loans due to higher income certainty of salaried individuals. Among salaried individuals, applicants employed in government sectors are preferred, due to higher job stability.
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