Important Updates

Ummeed Housing Finance Private Limited (Ummeed) is a housing finance company registered with National Housing Bank (NHB) under National Housing Bank Act, 1987.

Dear Customers,

Ummeed Housing Finance Private Limited (“UHFL”) is pleased to inform you that the Ummeed Reference Rate (URR) has been reduced by 15 (fifteen) basis points, effective April 5, 2026. Pursuant to this revision, the URR will stand revised to 20.85%.

UHFL shall give effect to the above change by adjusting the loan tenure as the default option, while keeping the EMI amount unchanged, for eligible customers. This shall result in your loan being repaid sooner without any change in your existing EMI.

Alternatively, customers may opt to give effect to the revision through a change in EMI/ loan tenure, or a combination of both, or switching to a fixed rate, or part or full prepayment, in accordance with the MITC and applicable RBI guidelines, instead of the default option.

In case you wish to opt for an option other than the default, you may contact our Toll‑Free Customer Care at 1800‑202‑6127 (09:30 AM to 06:00 PM) or write to us at customercare@ummeedhfc.com to submit your request.

Your revised repayment schedule, including the principal and interest bifurcation and the revised annualised rate of interest, will be made available on the UMDHFC Customer App.

Warm regards,

Ummeed Housing Finance Private Limited.