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Utkarsh Small Finance Bank Personal Loan

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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
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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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

Utkarsh Small Finance Bank Personal Loan Highlights

Interest Rate Depending on the applicant’s credit profile, tenure, loan amount, etc.
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 has not disclosed the personal loan interest rates offered to its loan applicants. However, most lenders set the interest rates of their personal schemes based on their 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

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.

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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 Utkarsh Bank Lenders

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