Know the basic eligibility rules and checks that apply when applying for a Unity SFB Personal Loan.
Last updated on: January 20, 2026
The eligibility for the Unity SFB Personal Loan available on Bajaj Markets is based on clear financial and personal criteria set by the lender. These checks help determine whether your income, age, and credit profile match the loan requirements. Knowing these conditions early helps you apply with confidence and avoid unnecessary rejections.
To be considered for a Unity SFB Personal Loan on Bajaj Markets, you must meet the below given basic eligibility conditions:
You must be between 23 and 55 years of age
Your CIBIL score should be above 675
Salaried applicants must have a minimum monthly income of ₹20,000
Self-employed applicants must have an annual turnover of at least ₹24 Lakhs (This applies only under the Amber offer)
If you apply under the Amber offer, you need to submit a bank statement for the last 6 months. Further documents may be requested during verification, based on your profile.
Several factors influence how your application is assessed beyond the basic Unity SFB loan eligibility conditions.
Here are some factors you should know:
A CIBIL score above the minimum threshold indicates responsible credit behaviour
Your age must fall within the lender’s defined range to ensure repayment capacity
Stable monthly income or sufficient annual turnover supports your ability to repay
Eligibility checks differ for salaried and self-employed applicants, especially under specific offers
Regular transactions and a stable account balance reflect financial discipline
If you do not fully meet the requirements, a few practical steps can improve your eligibility over time. These can improve your chances when applying for a Unity SFB Personal Loan and reduce the risk of rejection.
You should:
Maintain a healthy credit score by paying EMIs and credit card dues on time
Avoid multiple loan or credit card applications within a short period
Ensure your income or turnover records are accurate and consistent
Keep your bank statements clean, with minimal cheque bounces or irregularities
Apply for a loan amount that aligns with your repayment capacity
Reviewer
Individuals aged 23 to 55 years with a CIBIL score above 675 and stable income or turnover, as per lender criteria, may be considered eligible.
If you apply under the Amber offer, a bank statement for the last six months is required.
Unity Small Finance Bank received its banking licence from the RBI in 2021 and operates as a regulated small finance bank, following RBI norms and supervisory oversight.
The interest rate for Unity SFB Personal Loan on Bajaj Markets ranges between 16% and 30% per annum, depending on your credit profile and internal assessment.
Yes. Small finance banks are permitted to offer loans, including personal loans, as part of their mandate to serve retail and small borrowers.
Loan size limits vary by lender and borrower profile. Small finance banks follow RBI norms and internal policies when deciding maximum loan amounts.