If leptonic unitarity is violated by new physics at an energy scale much lower than the electroweak scale, which we call low-scale unitarity violation, it has different characteristic features from those expected in unitarity violation at high-energy scales. They include maintaining flavor universality and absence of zero-distance flavor transition. We present a framework for testing such unitarity violation at low energies by neutrino oscillation experiments. Starting from the unitary 3 active plus $N$ (arbitrary integer) sterile neutrino model we show that by restricting the active-sterile and sterile-sterile neutrino mass squared differences to $gtrsim$ 0.1 eV$^2$ the oscillation probability in the $(3+N)$ model becomes insensitive to details of the sterile sector, providing a nearly model-independent framework for testing low-scale unitarity violation. Yet, the presence of the sterile sector leaves trace as a constant probability leaking term, which distinguishes low-scale unitarity violation from the high-scale one. The non-unitary mixing matrix in the active neutrino subspace is common for the both cases. We analyze how severely the unitarity violation can be constrained in $ u_{e}$-row by taking a JUNO-like setting to simulate medium baseline reactor experiments. Possible modification of the features of the $(3+N)$ model due to matter effect is discussed to first order in the matter potential.
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