Urmila unni is born in a royal family as K. C. Anujanraja Kottakal Kovilakam and Nedupuram Kottarathil Manorama's daughter at Nedumpuram Palace, Tiruvalla. She had her primary education from Infant Jesus Convent Thrissur and Sree Keralavarama College. She learned Mohiniyattam, Bharathanatyam, Kathakali and Veena. She is also a painting artist.[4] She is married to Palakad Ankarath Ramanunni. The couple have a daughter Utthara Unni who is an upcoming actress [ Currently they are residing at Kadavanthra, Ernakulam. They have started a dance school Angopanga at Bahrain.[ Actress Samyuktha Varma is her niece