Top-Up / Additional Loans
Additional financing for existing borrowers who have demonstrated timely repayment — rewarding good credit behavior with continued access to capital.
Loan Range (Rural)
₹5,000 – ₹10,000
Loan Range (Urban)
₹6,000 – ₹10,000
Tenure
6–12 Months
Processing Fee
2% of Loan Amount
+ 18% service tax on processing fee
To provide additional working capital and as part of customer retention, UFin offers a top-up loan to existing customers — allowing them to continue with UFin over the long term and treat us as a single point of contact for their financial needs.
Loan Details
| Parameter | Rural | Urban |
|---|---|---|
| Loan Amount | ₹5,000 – ₹10,000 | ₹6,000 – ₹10,000 |
| Tenure | 6–12 months | 6–12 months |
| Repayment Frequency | Weekly / Fortnightly / Monthly | Weekly / Fortnightly / Monthly |
| Interest Rate | 28.00% | 28.00% |
| Customer Insurance | Varies as per loan amount | Varies as per loan amount |
| Guarantor Insurance | NA | NA |
| Processing Fee | 2% of loan amount | 2% of loan amount |
| Service Tax on Processing | 18% of processing fee | 18% of processing fee |
Eligibility
Top-up loans are available to existing UFin customers who meet all of the following criteria:
Existing Customer
Must have an active JLG income generation loan with UFin.
On-Time Repayment
No missed or delayed payments on the current loan cycle.
Half Tenure Completed
Must have completed at least half of the group loan tenure.
No Overdraft
Account must have zero overdraft at the time of application.