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United Bank Of India Personal Loan

(Updated on 08.05.2019) United Bank of India (UBI) Personal Loan EMI Calculator May 2019 – Get Instant Quick & Easy Approval on United Bank of India Personal Loan. Loansninsurances.com provide a simple tool to calculate your Personal Loan EMI on the basis of ✓Interest Rate ✓Loan Tenure ✓Processing Fee ✓Eligibility ✓Best Offers & more.

United Bank Of India Personal Loan – QUICK, EASY & INSTANT APPROVAL ONLINE

Professional Details
Loan Amount
Yearly Income
Disclaimer: We do not provide Personal Loans but help you to connect with banks to get best deals.
All loans are on sole discretion on the respective banks

United Bank Of India Personal Loan

United Bank Of India one of the leading banks in India provides an unparalleled Personal Loan to meet genuine financial needs of every customer. United Bank of India Personal Loan can be availed for Daughter’s marriage, major medical expenses, renovate old house, funding son’s/daughter’s education, etc. Get your perfect & cost-effective personal loan with United Bank of India Personal Loan Eligibility Calculator. United Bank of India has varied United Housing Loan Schemes to cater to the requirements of each & every individual to get their desired house/flat.

United Bank Of India Personal Loan Interest Rate

Interest Rate 14.85% For salaried, 14.60% For working women (0.25% concession)
Processing fee range 1%of the loan amount
Loan Amount 2 lacs or 10 months gross salary
Tenure Maximum 36 month

United Bank Of India Personal Loan EMI Calculator

United Bank of India Personal Loan EMI Calculator

Fill Loan Amount, Interest rate & Tenure in Fields & get Instant Calculation for Personal loan emi within seconds.
Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

United Bank Of India Personal Loan Eligibility

  • Salaried person with permanent service and regular income for at least 2 years.

  • Net take home salary after all deduction including EMI of the proposed loan should not be less than 40% of gross monthly salary or Rs 15000/- whichever is higher.

United Bank Of India Personal Loan Documents Required

  • Proof of identity: Copy of passport/voter ID card/driving license

  • Proof of address: Copy of ration card/telephone or electricity bill/rental agreement/passport

  • Proof of age is also necessary.

  • Proof of Income and Occupation

  • Last 3 months bank statement/6 months bank passbook

  • Latest salary slip/ current dated salary certificate with the latest Form 16.

  • Other documents are also required as per banks rules and regulations.

United Bank Of India Personal Loan Prepayments: No Pre-Payment charges.


1) Digital Credit Cards for United Bank of India Intellect Design Arena has launched Digital Credit Card Management System consisting of Indian Digital Cards and Indian Digital Origination for United Bank of India. It is said to be a ‘complete hosted solution’ that will enable end to end business deals, handling for technological infrastructure, operations, product implementation, management and marketing for the bank. With Inbuilt MCP i.e. Multiple Cards on a Single Plastic’ technology, banks can extend a variety of lending variants on a single credit card account. The launch of Pragati and Suvidha Credit Cards powered by Intellect Digital Management System would enable undisrupted cardholder transactions.

United Bank Of India Personal Loan FAQ

Can I foreclose or prepay my loan?
Yes, you can prepay the entire loan outstanding anytime after paying 6 installments. Prepayment charges as applicable would be levied on the outstanding loan amount. No part prepayment is allowed.

What is the procedure to prepay my Personal Loan?
For prepayment of your Personal Loan account, please visit our nearest United Bank of India branch. We request you to carry with you the following documents to complete the process:
1. Request Letter signed by the loan applicant
2. PAN Card (if the mode of payment is cash and the amount is more than Rs.50,000)
3. Payment can be made through cash, cheque or demand draft.

Do I have to pay any additional charges?
A processing fee of 2% to 2.25% depending on the company you are employed in and location of the loan will be levied. This fee will be deducted from the disbursal amount payable to you.

Do you offer Balance Transfer facility in Personal Loan?
We offer Balance Transfer Facility if you have paid 12 EMI. Please contact your nearest branch or our call center for further details.

What is the loan amount that can be sanctioned?
Based on your kind of business and your relationship with United Bank, the final loan amount is decided.

What are the loan tenure options?
The loan can be repaid over a period of 12 to 60 months

What security/collateral do I have to provide for Loan?
No security, collateral or guarantors are required for obtaining Personal Loans.