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Unity SFB Personal Loan
Unity SFB Personal Loan

Instant Loan | 100% Digital | Collateral-Free Loan

Fees & Charges
Joining Fee FREE
Annual Fee FREE
Key Benefits
Shopping Fuel Rewards Cashback Travel
Official BankSathi Live API Framework
1
Mobile & PAN
2
OTP Verification
3
Profile Details
4
Lead Submission

Step 1: Check Eligibility & Begin

Enter your registered mobile number and PAN card details for instant verification.

+91
Must be 10 digits starting with 6, 7, 8, or 9
Standard PAN Format (e.g. ABCDE1234F)
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Data strictly encrypted
Product Details, Guidelines & Benefits

Official parameters, required documents, rules, and benefits retrieved from BankSathi API

Official API Information
Eligibility Criteria
  • ✔️People looking for urgent funds for weddings, travel, or emergencies.
  • ✔️Age range: 23 to 55 Year
  • ✔️Both Salaried and Self Employed
  • ✔️Minimum salary Rs. 20,000 per month or Turnover of 25 lakh per year for Self Employed.
  • ✔️Minimum CIBIL Score 680 or higher
  • ✔️Cibil Enquiries
  • -No 90+ DPDs in 12 months or 30+ DPDs in last 3 month
  • -Required 18 months bureau vintage /history of the customer
Documents Required
  • ✔️Aadhaar Card
  • ✔️PAN Card
  • ✔️6 Month Bank Statement
Watch training video
Tracking time
  • ✔️Leads will be tracked within 4 working days of submission
  • ✔️Receive your Payout every Friday for each successful lead converted till Sunday of every week.
How to get your commission
  • ✔️Earnings can be transferred directly to your bank account.
Step by step process
  • ✔️ Suggest ‘Unity SFB Personal Loan’ to everyone in your network (Friends/customers)
  • ✔️ Click on the “share to customer” option and share the link with interested customers
  • ✔️ Ask your customer to click on the link shared by you and submit the required details like Name, mobile number, email ID, and PAN number, Pincode, then click on ‘Start Journey’
  • ✔️ Now the customer will be redirected to the official website and follow below steps.
  • Step 1: Mobile Verification
  • - Verify your mobile number via OTP.
  • Step 2: PAN & Aadhaar Verification
  • -Enter PAN and Aadhaar details.
  • -OTP will be sent to the Aadhaar-registered mobile number.
  • Step 3: Basic Details
  • -Your Name, Date of Birth, and Gender will be auto-populated and cannot be edited.
  • Step 4: Profile & Income Details
  • -Provide employment and income details.
  • Step 5: Real-Time Decisioning
  • -Approved: Customer can avail the approved loan amount or request an enhancement by uploading the last 6-month bank statement.
  • -More Details Required: If requested, upload the last 6-month bank statement for further processing.
  • -Rejected: If the customer's profile does not meet the bank’s policy, the loan will be declined.
  • Step 6: Customer Details Confirmation
  • -Verify and confirm all provided details.
  • Step 7: Bank Statement Upload (if required)
  • -If the system requests, upload the last 6-month bank statement.
  • Step 8: Bank Account Verification
  • -Enter and verify bank account details for loan disbursement.
  • Step 9: Final Loan Amount Calculation (for bank statement cases)
  • -If a bank statement is uploaded, the final eligible loan amount will be calculated.
  • Step 10: Video KYC (VKYC)
  • -The customer receives a VKYC link via SMS.
  • -Requirements:
  • --Original PAN card
  • --White paper and pen
  • --Stable internet connection
  • -Once completed, VKYC is reviewed and approved by an auditor.
  • Step 11: eSign Process
  • -The customer receives an SMS link to complete eSign.
  • -Once completed, the status updates to "Verified."
  • Step 12: eNACH Setup (Repayment Authorization)
  • -The customer receives an SMS link to set up eNACH for auto-debit repayments.
Rules to Follow
  • ✔️ Available for only new users (User should not have any existing relationship with Unity Bank).
  • ✔️ Customer has to apply for the Unity Small Finance Bank Personal Loan by using your Tracking link.
  • ✔️ If you are not able to finish the account opening process due to any reason, then you have to complete the process using the same link, or else the lead would be rejected.
  • ✔️ Make sure that the same mobile number shall be captured throughout the process.
  • ✔️ Customer mobile number should be linked with Aadhaar card.
  • ✔️ Customer must complete the application on their device. if more than one customer use the same device to apply, then no commission will be paid.
1.What is the loan tenure for a personal loan?
  • The tenure of a personal loan offered by USFB ranges from 12 months to 36 months.
2.What is the minimum and maximum loan amount available?
  • USFB offers personal loans starting from ₹1 lakh up to a maximum of ₹5 lakh.
3.Does USFB offer a top-up on existing personal loans?
  • No, top-up services on existing personal loans are not available at USFB.
4.What are the interest rates for personal loans?
  • USFB offers risk-based pricing, and the interest rates range between 16% to 30% per annum.
5.Are the interest rates fixed or floating?
  • The interest rates for USFB personal loans are fixed for the entire loan tenure.
6.Can a customer foreclose or prepay their personal loan?
  • USFB has a lock-in period of 6 months. After this period, customers can prepay their loan with a 5% pre-closure charge on the remaining loan amount.