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Utkarsh Small Finance Bank Personal Loan Highlights |
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| 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 |
Note: Interest Rates as on 11th April 2024
Table of Contents
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.
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Compare Interest Rate for Personal Loans from Top Banks and NBFCs
| Banks/NBFCs | Interest Rates(p.a.) | |
| Axis Bank | 11.25% onwards | Apply Now |
| IndusInd Bank | 10.49% onwards | Apply Now |
| IDFC First Bank | 10.99% onwards | Apply Now |
| HDFC Bank | 10.85% onwards | Apply Now |
| ICICI Bank | 10.85% onwards | Apply Now |
| Kotak Mahindra Bank | 10.99% onwards | Apply Now |
| Tata Capital | 11.99% onwards | Apply Now |
| Federal Bank | 12.00% onwards | Apply Now |
| DMI Finance | 12.00% - 40.00% | Apply Now |
| L&T Finance | 12.00% onwards | Apply Now |
| Kreditbee | 16.00% - 29.95% | Apply Now |
| MoneyTap | 13.00% onwards | Apply Now |
| Piramal Finance | 12.99% onwards | Apply Now |
| Aditya Birla | 10.99% onwards | Apply Now |
| Moneyview | 14%-36% | Apply Now |
| Cashe | 27.00% onwards | Apply Now |
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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) |
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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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Eligibility Criteria for availing Utkarsh Small Finance Bank Personal Loan
The 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
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