*This tool gives an indicative result. Final eligibility depends on credit score, income verification, and internal risk assessment.
My Ujjwal Credit is a Delhi-based Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). We have been proudly operating since 1983 under the registered name UJJWAL FINANCE PRIVATE LIMITED. Our Corporate Identity Number (CIN) is U64990DL1994PTC062839.
At My Ujjwal Credit, we specialize in offering personal loans designed to support your everyday financial goals with ease and flexibility. Customers benefit from manageable EMIs, competitive rates, and repayment plans tailored to their needs.
Our digital application process is seamless and secure with full KYC and verification. Every application undergoes standard KYC, income proof verification, and internal credit checks. Loan offers depend on eligibility and risk assessment — approval is not guaranteed.
*All loans are subject to eligibility, credit assessment and My Ujjwal Credit’s lending policies. Terms & conditions apply.
Get Personal Loan up to ₹20 Lakh My Ujjwal Credit offers personal loans from ₹50,000 to ₹10,00,000 with annual interest rates between 7.5% and 17% p.a., depending on credit eligibility. All loans are subject to complete KYC and income verification. The loan process is fully digital, secure, and transparent with flexible EMI repayment options. Terms and conditions apply.
Fill out our secure online loan application form with your basic personal and financial details.
Upload documents like Aadhaar, PAN, address proof, and income proof securely for verification.
Our team reviews your application and documents. Loan approval is based on credit profile, eligibility, and internal checks.
Upon approval, the loan amount is disbursed to your registered bank account as per agreed terms.
Note: Eligibility is indicative and does not guarantee approval. Final decision rests with My Ujjwal Credit as per internal policies and credit assessment.
My Ujjwal Credit offers personal loans based on clear and transparent eligibility checks. Review the criteria and documents required before applying.
Keep these documents ready for a smoother application process:
Choose from a range of personal loan options designed to support your financial needs with transparency and flexibility.
Cover unexpected treatment costs with ease. My Ujjwal Credit provides loans from ₹75,000 up to ₹8 Lakhs for medical purposes.
All applications undergo KYC & income verification before approval.
Give your home a new look. Borrow between ₹1 Lakh to ₹12 Lakhs for renovations, interiors, or structural improvements.
Tenure options up to 120 months available, subject to eligibility.
Finance coaching, higher studies, or skill development with loan amounts starting from ₹50,000 up to ₹6 Lakhs.
Repayment flexibility tailored as per your repayment capacity.
Plan trips without financial stress. Loans available from ₹75,000 to ₹4 Lakhs for holidays, flights, and accommodation.
Final approval subject to credit review & internal lending policy.
Manage wedding expenses gracefully. My Ujjwal Credit offers loans from ₹1 Lakh to ₹9 Lakhs for planned ceremonies.
No hidden fees — all charges disclosed in agreement.
Combine multiple EMIs into one manageable plan. Loan amounts range from ₹1 Lakh to ₹6 Lakhs.
Loan sanction based on repayment history and credit profile.
| Loan Amount | APR | Tenure | Processing Fee + GST | Amount Disbursed | EMI | Total Repayment | Total Interest |
|---|---|---|---|---|---|---|---|
| ₹1,00,000 | 7.5% p.a. | 24 Months | ₹2,360 (2% + 18% GST) | ₹97,640 | ₹4,501 | ₹1,08,030 | ₹8,030 |
Loan Amount: ₹1,00,000
APR: 7.5% per annum (including interest + standard charges)
Processing Fee: ₹2,000 (2% of loan amount)
GST: ₹360 (18% GST on processing fee)
Total Charges: ₹2,360 (Fee + GST)
Disbursed Amount: ₹97,640 (Loan amount minus charges)
EMI: ₹4,501 (Monthly EMI for 24 months)
Total Repayment: ₹1,08,030
Total Interest: ₹8,030 (Excluding charges)
*Example based on 7.5% p.a. interest. Your actual offer may vary based on eligibility. T&C apply.
My Ujjwal Credit is a registered NBFC with the Reserve Bank of India (RBI).
CIN: U64990DL1994PTC062839 | Registered Name: UJJWAL FINANCE PRIVATE LIMITED.
Transparent loan details as per NBFC guidelines. All applicants are requested to read the disclosures carefully before applying.
7.5% – 17% per annum (depending on credit profile).
₹50,000 – ₹10,00,000
12 to 120 months
Direct credit to customer’s verified bank account
Loan Amount: ₹1,00,000
Tenure: 24 months
Interest Rate: 7.5% p.a.
Processing Fee: ₹2,000 + ₹360 GST (18%) = ₹2,360
Amount Disbursed: ₹97,640 (Loan amount minus charges)
EMI: ≈ ₹4,501/month
Total Interest: ≈ ₹8,030
Total Repayment: ≈ ₹1,08,030
Total Interest
₹0
Total Repayment
₹0
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.
UJJWAL FINANCE PRIVATE LIMITED
32, 3RD FLOOR, NWA CLUB ROAD PUNJABI BAGH EXTN.,
NEW DELHI, Delhi, India - 110026
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.
📧 Email: grievance@myujjwalcredit.com