Utkarsh Small Finance Bank Personal Loan

Utkarsh Small Finance Bank offers personal loans for loan amounts of up to Rs 20 lakh and repayment tenures of...

Utkarsh Small Finance Bank offers personal loans for loan amounts of up to Rs 20 lakh and repayment tenures of up to 7 years. Loan applicants can avail personal loans for managing their personal (except for speculation purposes), professional or business related expenses.

Seamless Digital Process

End-to-End Expert Assistance

Minimum Paperwork Required

Hassle-Free Processing

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹ 1,000^* on Loan Disbursal

Valid till 31^st March '26 *T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Seamless Digital Process

End-to-End Expert Assistance

Minimum Paperwork Required

Hassle-Free Processing

Calculate Your Personal Loan EMI

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Enter Loan Amount

₹

50K50L

Rate of Interest (Yearly %)

8%30%

Loan Tenure

1Y 10Y

Your Monthly EMI Payment

₹0

Principal Amount₹0

Interest Amount₹0

Total Amount₹0

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HDFC Bank

10 Second Disbursal*100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 12.5%

Tenure upto1-5 Years

Processing Fee₹ 6,500

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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About Utkarsh Small Finance Bank Personal Loan

Utkarsh Small Finance Bank Personal Loan Highlights

Utkarsh Small Finance Bank Personal Loan Interest Rates

Fees and Charges for Utkarsh Small Finance Bank Personal Loan

Why Choose Paisabazaar?

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Utkarsh Small Finance Bank Personal Loan

Minimum paperwork is required to avail a personal loan from Utkarsh Small Finance Bank which reduces the overall processing time.
These personal loans can be repaid over a flexible tenure ranging up to 84 months.
No collateral or security is required to avail a loan from Utkarsh Bank.
Utkarsh Small Finance Bank personal loans come with zero hidden fees or charges.

Utkarsh Small Finance Bank Personal Loan Highlights

Interest Rate	14% p.a. to 23% p.a.
Loan Amount	Rs 1.5 lakh to Rs 20 lakh
Loan Tenure	1 year to 7 years
Processing Fees	Up to 2% of the loan amount plus applicable taxes
Minimum monthly income	Rs 20,000

Utkarsh Small Finance Bank Personal Loan Interest Rates

Utkarsh Small Finance Bank personal loan interest rates can range between 14% p.a. to 23% p.a.. However, the interest rate offered to an applicant may vary based on the applicants’ monthly income, credit scores, occupation profile, etc.

Fees and Charges for Utkarsh Small Finance Bank Personal Loan

The fees and other charges for availing personal loans from Utkarsh Small Finance Bank are as follows:

Processing Fees

Particulars	Rates
Processing Fees	Up to 2% of loan amount plus applicable taxes

Prepayment Fees

Particulars	Rates
Part prepayment charges (for fixed interest rate loans)	4% of prepayment amount plus applicable taxes
Pre closure charges (for fixed interest rate loans)	For pre closure during 7 months and 2 years: 4% of outstanding principal plus applicable taxes For pre closure during 25 months and 3 years: 3% of outstanding principal plus applicable taxes For pre closure after 3 years: 2% of outstanding principal plus applicable taxes

Other charges

Particulars	Rates
Penal Interest on Overdue EMI	2% per month on overdue EMI for the total overdue period
Legal/Valuation Charges	As per actuals
Duplicate interest and charge for principal certificate issuance	Rs 250 plus applicable taxes
Duplicate no dues certificate or NOC issuance charges	Rs 250 plus applicable taxes
Duplicate statement issuance charges	Rs 250 per instance per set plus applicable taxes
Swap charges (cheque or other instrument)	Rs 500 per occasion of swapping for NACH, ECS mandate or standing instruction mandate plus applicable taxes

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All Your Needs

Eligibility Criteria for availing Utkarsh Small Finance Bank Personal Loan

personal loan eligibility criteria for loan applicants availing Utkarsh Small Finance Bank Personal loans are as follows:

Minimum Monthly Income: Rs 20,000
Age: 23 to 58 years
Utkarsh Small Finance Bank offers personal loans to salaried applicants working in the government, private or public sector organisations.
Minimum work experience with the current employer should be 6 months, overall work experience should be minimum 2 years.

Documents Required for availing Personal Loans from Utkarsh Small Finance Bank

Prospective borrowers availing Utkarsh Small Finance Bank Personal Loans should submit the following documents:

KYC documents (for proof of address and identity proof)
Salary slips
Application form
Bank statements

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

Avail Personal Loan for
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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

Abhishek ThakuraJan 14, 2026

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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