Union Bank of India Home Loan Prepayment Calculator
yaha mai 2026 ke lie eka udaharana svarupa phlotimga dara ka samdarbha hai| karravai karane se pahale yuniyana baimka pha imdiya ke navinatama dara karda aura svikriti sharton ki pushti kara lem| Use this page to estimate how recurring prepayments can reduce your total interest and shorten your tenure.
Lender ke baare mein
Union Bank of India
yuniyana baimka pha imdiya eka bada sarvajanika kshetra ka baimka hai, jisaka gathana apraila 2020 men yuniyana baimka pha imdiya, amdhra baimka aura kaorporeshana baimka ke tina-tarapha vilaya ke madhyama se hua tha| vilaya ke bada bani yaha samstha pure bharata men lakhon griha rinadataon ko seva pradana karati hai aura vetanabhogi, sva-rojagara prapta aura pravasi bharatiya grahakon ke lie utpada upalabdha karati hai| yuniyana baimka ke griha rina baimka ki repo limkda lemdimga reta (araelaelaara) se jude hain, jo arabiai dvara repo dara men parivartana ke satha samayojita hoti hai| vilaya ke bada bane amdhra baimka aura kaorporeshana baimka ke rinadataon ke khate yuniyana baimka men sthanamtarita kara die gae hain, aura sharten vilaya sambamdhi suchana dvara samshodhita mula svikriti ke anusara hi lagu homgi| purva bhugatana ke lie, yuniyana baimka ke rinadata yuniyana baimka ke mobaila baimkimga aipa, imtaraneta baimkimga ya shakha seva ka upayoga kara sakate haim| purva bhugatana bakaya muladhana men samayojita kiya jata hai, aura rinadataon ko yaha pushti karani chahie ki isase iemaai ya rina avadhi men kami ati hai ya nahim|
apane homa lona ka purva bhugatana kaise karem – Union Bank of India
Union Bank of India home-loan prepayments can be initiated from the Union Bank mobile banking app (Vyom), Union Bank net banking, or any Union Bank branch. After the 2020 three-way merger of Union Bank, Andhra Bank, and Corporation Bank, all merged loan accounts are now serviced under the unified Union Bank platform.
From Vyom or net banking: navigate to Loans → Home Loan → Part Payment. Specify the prepayment amount and the source account. Union Bank accepts debits from linked Union savings accounts as well as external-bank transfers via NEFT. After payment, confirm with the branch or via the loan-statement download that the amount has been applied to outstanding principal — not credited as an EMI prepayment.
For borrowers whose loans originated with Andhra Bank or Corporation Bank: your loan terms are determined by the original sanction letter plus any post-merger amendments communicated by Union Bank. The rate benchmark may have shifted from the original bank's benchmark to Union Bank's RLLR; the prepayment process is the same as for native Union Bank loans, but cross-check your current rate before modelling savings. Processing takes one to three business days, and Union Bank defaults to tenure reduction for digital prepayments in most retail home-loan products.
Worked example
If you prepay ₹4,000 every month
Example assumes a ₹40,00,000 loan at 8.60% with 20 years remaining.
| Metric | Prepayment ke bina | With ₹4,000/month extra |
|---|---|---|
| EMI | ₹34,967 | ₹38,967 |
| Total interest | ₹43,92,080 | ₹32,86,829 |
| Tenure | 20 years | 15 years 7 months |
| Interest saved | - | ₹11,05,251 |
| Time saved | - | 4 years 5 months |
Share a concrete savings example with another homeowner who might be overpaying interest.
Aksar puche jane wale sawaal
Union Bank of India prepayment FAQs
Doosre banks
Doosre lenders ke liye prepayment compare karo
Hazaron smart borrowers ke saath judein
₹12.45L+
Interest Bachaya
500+
Active Users
30 sec
Avg Analysis Time