Download AppWin Assured Cashback
Paisabazaar Logo - Compare loans and credit cards

Utkarsh Small Finance Bank Personal Loan

icon
Get Cashback of 1,000* on Loan Disbursal
Valid till 31st July '26 *T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

6cr+Satisfied Customers
30+Lending Partners
₹65k Cr+Loans Disbursed
Icon image of Seamless Digital Process

Seamless Digital Process

Icon image of End-to-End Expert Assistance

End-to-End Expert Assistance

Icon image of Minimum Paperwork Required

Minimum Paperwork Required

Icon image of Hassle-Free Processing

Hassle-Free Processing

Select Your Bank

5K1Cr
8%30%
1Y 7Y

Your Monthly EMI Payment

0

Principal Amount0
Interest Amount0
Total Amount0

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) 3% 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

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Eligibility Criteria for availing Utkarsh Small Finance Bank Personal Loan

The eligibility criteria for availing Utkarsh Small Finance Bank Personal loan are as mentioned below:

  • 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
Why Choose Paisabazaar?
image of Compare & Choose the <strong>Best Offer</strong>

Compare & Choose the Best Offer

image of Pre-approved Offers with <strong>Instant Disbursals</strong>

Pre-approved Offers with Instant Disbursals

image of Know Your <strong>Chances of Approval</strong>

Know Your Chances of Approval

image of End-to-End <strong>Digital Process</strong>

End-to-End Digital Process

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

FAQs

Is the Utkarsha Small Finance Bank Personal Loan collateral free?

Yes, the personal loan offered by Utkarsh Small Finance Bank is collateral free.

What is the minimum and maximum loan amount offered by Utkarsh Small Finance Bank?

Utkarsh Small Finance Bank offers personal loans ranging from Rs. 1.5 lakh to Rs. 20 lakh.

What is the minimum salary requirement to apply for a personal loan?

Applicants with a minimum salary of Rs. 20,000 are eligible for personal loans offered by Utkarsh Small Finance Bank.

What is the minimum CIBIL score required to get approval?

Lenders usually prefer a credit score of 750 and above to extend personal loans to applicants.

What is the repayment tenure available for personal loans from Utkarsh Small Finance Bank?

The repayment tenure for Utkarsh Small Finance Personal Loan ranges from 12 months to 84 months

quotes icon

What our customers say

Get My Personal loan disbursed

I would like to give a huge shoutout to Munni Nayak from Paisabazaar for her incredible support in helping me get my personal loan disbursed within just a few days. She was extremely cooperative throughout the entire process and demonstrated great knowledge by explaining every step in detail with patience and clarity. I truly appreciate her dedication, professionalism, and the smooth experience she provided. Thank you so much, Munni, for all your help and support!

icon image of avatar
Preeti BhattMay 16, 2026

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

icon image of avatar
Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

icon image of avatar
Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

icon image of avatar
Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

icon image of avatar
DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

icon image of avatar
BhupendraFeb 18, 2026

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.

icon image of avatar
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

icon image of avatar
Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

icon image of avatar
Riyaj AtarFeb 9, 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.

icon image of avatar
Puja DanuJan 22, 2026
View All Testimonials
Anubhuti Agrawal profile
Written ByLinkedIn icon
Anubhuti Agrawal
Shamik Ghosh profile
Reviewed ByLinkedIn icon
Shamik Ghosh

Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.

The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.

The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001

pl-sticky-irfan-icon

Get up to 50 Lakhs starting at 9.98%*

Scroll to top