My Ujjwal Credit - Trusted Loans, Transparent Terms
Apply for personal loans with My Ujjwal Credit — enjoy transparent terms, fully digital process, and flexible EMIs. Approval depends on eligibility, verification, and internal credit policies. No hidden charges. No false claims. Just simple, secure lending. T&C Apply. Final loan terms shared after full application review.
My Ujjwal Credit - Building Trust Since 2002
Since 2002, My Ujjwal Credit has been committed to making loans simple, transparent, and responsible. We provide tailored financial solutions — from personal to business loans — with honest guidance, fair advice, and no hidden charges. Every step of your journey is handled with trust, clarity, and customer-first care.
Our Mission
To make financial solutions accessible, transparent, and stress-free for everyone.
Our Vision
To be recognized as a trusted partner in every customer’s financial journey.
Core Values
Trust • Transparency • Responsibility • Customer-first approach
Your financial Partner
Personal Loan
Quick and flexible funds for emergencies, travel, or personal needs — with complete transparency.
Business Loan
Smart financing to launch, expand, or stabilize your business with quick approvals and fair terms.
Loan Against Property
Unlock the hidden value of your property and access funds while keeping ownership intact.
Education Loan
Student-friendly loans to support higher education in India or abroad, with easy repayment plans.
Vehicle Loan
Finance your dream car or bike with quick approvals, flexible EMIs, and customer-first service.
Medical Loan
Easy and stress-free loans to cover emergency healthcare and hospital expenses on time.
Wedding Loan
Make your special day memorable with flexible and convenient wedding financing options.
Why Choose Us My Ujjwal Credit
At My Ujjwal Credit, we don’t just provide loans — we provide trust, transparency, and care. Our goal is to make every financial journey simple, stress-free, and secure, so you can focus on achieving your dreams without worry.
Transparent & Honest
No hidden charges, no false promises — only clear terms and complete transparency.
Quick & Hassle-Free
Easy loan approvals with minimal paperwork, so you get funds right when you need them.
Customer-First Approach
We guide you at every step with personalized support and responsible financial advice.
+
Years
Trusted By
24000
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Your Trusted Partner in Financial Assistance
Why Choose My Ujjwal Credit Limited?
Flexible terms and reliable service
My Ujjwal Credit
EMI-CALCULATOR
Personal Loan Disclosure – My Ujjwal Credit
Interest Rate:
Annual interest starts at 7.99%
p.a. and can go up to 12% p.a. based on credit profile.
Eligibility:
Loan approval requires full KYC and income
validation.
APR Details:
Valid from 01 Jan 2024 – 31 Dec
2025
➤ Min APR: 7.9%
➤ Max APR: 12%
Includes interest, processing fee, and standard loan costs.
Repayment Terms:
Tenure: 12 to 120
months
*T&C Apply
Representative Example:
₹1,00,000 loan at 7.9% p.a. for 24 months:
EMI ≈ ₹4,543/month
Interest ≈ ₹8,242
Total Repayment ≈ ₹1,08,242
Why Choose My Ujjwal Credit?
- ✅ Loan Range: ₹50,000 – ₹20,00,000
- ✅ Interest Range: 7.9% – 12% p.a.
- ✅ Tenure: 12 months to 10 years
- ✅ Processing Fee: 2% of loan
- ✅ EMI Bounce: ₹590 per bounce
- ✅ No Pre-Closure Charges
- ✅ Transparent APR Disclosures
- ✅ 100% Digital & Paperless
- ✅ Trusted NBFC since 2017 (Navi Mumbai)
Loan EMI Calculator
Calculate your monthly EMI instantly
Monthly EMI: ₹0
Total Payment: ₹0
Total Interest: ₹0
Eligibility Criteria
To apply for a loan with My Ujjwal Credit Limited, you just need to fulfill a few simple requirements. We keep the process clear, transparent, and hassle-free for everyone.
Age Criteria
- Minimum 21 years
- Maximum 60 years
- Valid ID proof required
Income Criteria
- Salaried: ₹15,000+ monthly
- Self-Employed: ₹2.5L+ annually
- Income proof documents
Employment Stability
- Salaried: 2 yrs experience
- Min. 1 year in current job
- Business: 3 yrs operation
Documents Required
To apply at My Ujjwal Credit, applicants are required to submit specific documents for verification. For better clarity, these documents are grouped into three main categories.
Identity Proof
- ✔️ Aadhaar Card
- ✔️ PAN Card
- ✔️ Passport
Address Proof
- ✔️ Electricity Bill
- ✔️ Ration Card
- ✔️ Driving License
Additional Documents
- ✔️ Passport-Size Photographs
- ✔️ Age Proof Certificate
- ✔️ Educational Certificates
Easy Steps to Apply for Your Loan
Fill Application Form
Complete the online application form with your basic details.
Submit Documents
Upload the required identity, address, and income documents for verification.
Verification & Approval
Our team will verify your documents and approve your loan application.
Receive Funds
Once approved, the loan amount will be credited directly to your bank account.
You can contact
us for any question
Here are some common questions our customers ask about My Ujjwal Credit loans. If you don’t find your answer, feel free to contact us directly.
+
Experiences
+
Happy Client
My Ujjwal Credit provides personal loans, business loans, and educational loans with flexible terms to meet your financial needs.
You can apply online by filling our simple application form and submitting the required documents for verification.
You will need identity proof (Aadhaar, PAN, Passport), address proof (Electricity Bill, Driving License), and income proof (salary slip or business documents).
Most loans are approved within 24-48 hours after submission of all required documents.
Hear From Our Happy Clients
About My Ujjwal Credit
We are proudly registered as ATHENA FINANCIAL SERVICES LIMITED, a Non-Banking Financial Company (NBFC) recognized and approved by the Reserve Bank of India (RBI). Our Corporate Identity Number (CIN) : U65921PN1990PLC057955
At My Ujjwal Credit, we strictly follow RBI directives and have established an effective Grievance Redressal Cell to address all grievances promptly. We are committed to responsible lending, ensuring that we offer loans that are convenient to repay. Our recovery methods are ethical, and we never resort to high-handed tactics. Should you have any complaints, we take them seriously and aim to resolve issues within 5 working days.
📍 Registered Office
SANKALP MICRO FINANCE PRIVATE LIMITED
32, 3RD FLOOR, NWA CLUB ROAD PUNJABI BAGH EXTN.,
NEW DELHI, Delhi, India - 110026
🔐 Regulatory Approvals & Compliance
We strictly follow RBI guidelines and directives applicable to NBFCs. All our loan products comply with relevant laws, including the Fair Practices Code mandated by the RBI.
📞 Contact Information
📧 Email: grievance@myujjwalcredit.com