ULI Explained: RBI's UPI Moment for Loans, Decoded

ULI is RBI's 'UPI for loans' — a common rail that lets lenders pull your verified data instantly, with consent

Over 6 lakh loans worth ~₹27,000 crore have already flowed through ULI, nearly half to MSMEs

It cuts loan approval from weeks to minutes by replacing paperwork with consent-based digital data

You stay in control: no data moves without your explicit, purpose-limited consent

Best fit for small-ticket, underserved borrowers — farmers, MSMEs, gig workers — not yet big corporate loans