United Bank Of India Personal Loan Details

Personal Loan

UNITED BANK OF INDIA offers personal loan at the lowest amount of rate. It has a different interest rate for women.  The eligibility criteria is so simple and the loan approves so fast. Applicant can easily avail this loan at lowest interest and less processing fee. An applicant can borrow maximum 2 lakh.

Eligibility of UBI Personal Loan  

  • Minimum age of 21 years and maximum age of 55 years.
  • Applicant   should be salaried.
  • Employed for at least 2 years.
  • Minimum income 25,000 per month
  • Applicant should be INDIAN..
  • Minimum CIBIL score 650
  • Pan Card
  • Aadhaar Card
  • Voter’s ID
  • Passport  Size Photo
  • Salaried : Last 3 years of PAYSLIPS, 6 months salary account bank statement.
  • Most recent  salary certificate with Form16.
  • Installments applicant is currently paying , all the  numbers of credit cards and credit limit applicant has.

UBI Personal Bank on EMI – Interest Rates, Other Charges

Rate of Interest



Loan Amount

2 lakhs 

Processing Fee


Minimum Income


Loan Tenure

36 months

Foreclosure Charge


1 year MCLR rate


Disbursal Time

4-7 days

UNITED BANK OF INDIA  Personal Loan Interest Rates



Interest rate

For working women: 1 year MCLR + 5.15% = 14.55% p.a. (0.25% concession)
 For others: 1 year MCLR + 5.40% = 14.80% p.a.

Loan Amount

Maximum of Rs.2 lakh or 10 months’ gross salary, whichever lower.
 For pensioners: Maximum of Rs.2 lakh or 12 months’ gross pension, whichever lower.

Loan Tenure

Maximum: 36 months.

Lowest EMI

Not applicable.

Processing Fee

1% of the loan amount sanctioned.


Not more than 60 years by the time the loan is fully repaid.
 For pensioners: Not more than 75 years by the time the loan is fully repaid.

Prepayment/Foreclosure Charges

No charge.














Factors affecting United Bank Of India Personal loan rates

  • Loan Tenure- The loan tenure always matters when the time is short interest rate will be higher and when the tenure is longer the interest rate become low.
  • Relationship with BANK OF INDIA- People with whom who are doing a great business the interest rate will be negotiable for them.
  • Age- If the applicant is more than 25 years old interest rate will be lower.
  • Gender- The interest rate will be lower if the applicant is woman.

Apply Personal Loan Online at Lowest Interest Rate Upto Rs. 40 Lacs

*Salary account or relational bank
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Loan Duration: 12 - 60 months*   T&C Apply*