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Union Bank of India Personal Loan Interest Rate November 2026
Union Bank of India advertises personal loan rates starting from 9.3% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹15,970 a month.
Union Bank personal loan rates and charges
| Starting interest rate | 9.3% per annum |
| Applies to | Salaried (other than government employees) with a CIBIL score of 800 or more |
| Effective from | 8 October 2026 |
| Processing fee | Not stated on the page we checked |
| Prepayment | Not stated on the page we checked |
| Maximum tenure | Not stated on the page we checked |
Source: Union Bank of India official page, checked 2 November 2026.
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Union Bank personal loan EMI calculator
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years
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Frequently asked questions
What is the Union Bank of India personal loan interest rate?
Union Bank of India's website advertises personal loan rates starting from 9.3% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹5 lakh personal loan from Union Bank of India?
At the starting rate of 9.3% over 3 years the EMI is about ₹15,970 a month, with total interest of about ₹74,912. A higher personal rate would raise this.
What is the processing fee for a Union Bank of India personal loan?
The Union Bank of India page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.
Does Union Bank of India charge prepayment charges on a personal loan?
The page we checked did not state prepayment terms. Please confirm with the bank.