Utkal Grameen Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Utkal Grameen Bank Personal Loan Key Features

Eligibility Criteria Details
Age Criteria 21 to 58 Years
CIBIL Score 750 or Above
Utkal Grameen Bank Personal Loan Interest Rate 9.99% per annum
Lowest EMI per lakh N/A
Tenure 12 to 60 months
Utkal Grameen Bank Personal Loan Processing Fee 1%-2%
Prepayment Charges N/A
Minimum Loan Amount Rs. 1 lac
Maximum Loan Amount Rs 4 lac and Upto Rs

Each Feature Explained in Detail Below


Benefits of Utkal Grameen Bank Personal Loan

  • Providing you with an attractive interest rate i.e 9.99%
  • Less documentation is required
  • Very simple and affordable process

Utkal Grameen Bank Personal Loan Eligibility Criteria

The eligibility criteria for a personal loan are as follows:

CIBIL score 750 and Above
Age 21-58 years
Min Income  Rs 25,000/month
Occupation Salaried/Self-employed/farmers

Utkal Grameen Bank Personal Loan Interest Rate, Fees & Other Charges

Loan principal @ interest

Tenure

1 year 2 years 3 years 4 years 5 years
1 lakh @ 12% Rs. 8,884 Rs. 4,707 Rs. 3,321 Rs. 2,633 Rs. 2,224
3 lakh @ 12.5% Rs. 26,724 Rs. 14,192 Rs. 10,036 Rs. 7,973 Rs. 6,749
6 lakh @ 12.75% Rs. 53,520 Rs. 28,454 Rs. 20,144 Rs. 16,022 Rs. 13,575
9 lakh @ 13% Rs. 80,385 Rs. 42,787 Rs. 30,324 Rs. 24,144 Rs. 20,477

Utkal Grameen Bank Personal Loan Documents Required

Documents Required for Salaried Applicants:

Proof of Identity Copy of Passport,
Driving License,
Aadhar Card and
Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income ITR: Last two Assessment years,
Salary Slip: Last 6 months,
Bank Statement: Last 3 months

*NOTE: In case of rented apartments, rent agreement is to be attached.

Documents Required for Self-Employed Applicants:

  • All financials are considered (company documents as well as ITR files)
  • PAN Card
  • Aadhaar Card
  • Residence Proof
  • Two passport-sized photographs

Personal Loan EMI Calculator for DCB Bank

Personal Loan EMI for different loan amounts and tenures @9.99% interest rate

Loan Amount (Rs.) 2 Years 3 Years 5 Years
1 Lakh ₹ 4,801 ₹ 3,417 ₹ 2,326
3 Lakh ₹ 14,402 ₹ 10,252 ₹ 6,979
5 Lakh ₹ 24,004 ₹ 17,086 ₹ 11,632
10 Lakh ₹ 48,008 ₹ 34,173 ₹ 23,263

Utkal Grameen Bank Personal Loan Comparison with Other Banks

Particulars Utkal Grameen Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
Interest Rate 9.99% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
Tenure 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
Loan amount Contact Bank Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
Processing Fee 1%-2% Up to 3.99% of the loan amount Up to 2% of loan amount plus GST Up to 3% of the loan amount Up to 2.25% of loan amount plus GST

How to apply for Utkal Grameen Bank Personal Loan?

Apply Online

  • Visit the site of Utkal Grameen Bank website
  • Fill the form
  • Once the form is filled bank will contact you for other formalities

Apply Offline

  • By visiting the nearest branch
  • or you can call the bank and ask every detail

Why should you apply for Utkal Grameen Bank Personal Loan with Dialabank?

  • Dialabank is the first financial helpline of the country
  • Less documentation and more ease is provided to our customers
  • Get special deals on Utkal Grameen Bank Personal loan by applying on Dialabank
  • Comparison with a different bank

Contact us at 9878981166 to avail Utkal Grameen Bank Personal loan

How to Calculate EMIs for Utkal Grameen Bank Personal Loan?

Calculate the EMIs on your personal loan, just requirement of the basic information regarding the loan –

  • First, enter the loan amount
  • Then the rate of interest
  • and in the end tenure of the loan

Just put these values in the calculator below to find the exact amount payable each month.

Utkal Grameen Bank Personal Loan Processing Time

Utkal Grameen Bank processing time varies according to the bank itself.

Utkal Grameen Bank Personal Loan Preclosure Charges

N/A

Pre Calculated EMI for Utkal Grameen Bank Personal Loan

Loan Amount 1 Year Loan 3 Year Loan 5 Year Loan
₹ 1 Lakh ₹ 8,978 ₹ 3,417 ₹ 2,326
₹ 5 Lakh ₹ 44,891 ₹ 17,086 ₹ 11,632
₹ 10 Lakh ₹ 89,782 ₹ 34,173 ₹ 23,263

Different Offers for Utkal Grameen Bank Personal Loan

  • Utkal Grameen Bank provides you with a broad variety of Personal Loan
  • Utkal Grameen Bank provides Education, Medical, Home Furnishing, Marriage, Holiday loans, and also a farmer

Utkal Grameen Bank Personal Loan for Salaried Employees 

  • Utkal Grameen Bank offers you attractive interest rates.
  • You can get a loan amount that depends on the Company that you are working for.
  • You can get a loan according to your salary
  • Utkal Grameen Bank offers a tenure of 12 to 60 months that is 1 year to 5 years.

Utkal Grameen Bank Personal Loan for Self Employed Individuals

  • offers to the self -employed individuals
  • attractive rate of interest
  • Tenure of 12-60 months
  • Or you can contact the bank

Utkal Grameen Bank Educational Loan

  • Utkal Grameen Bank provides loan amount from Rs. 50,000 up to Rs. 10 Lakhs for studies in India.
  •  Lowest Interest Rates for top ranking institutions.
  • Repayment for loans up to Rs.7.50 lakhs – up to 10 years and for Above 7.50 lakh – up to 15 year

Utkal Grameen Bank Marriage Loan

Utkal Grameen Bank Marriage Loan has the eligibility criteria as the following:

  • PAN Card is mandatory.
  • Salary Credit Bank Statements for the last 6 months.
  • Anyone ID Proof: Driving License, Passport, Voter ID.
  • Anyone Residence Proof: Bank Statement, Electricity Bill, Driving License, Passport, Voter ID.
  • The requirement of Income Documents of Salaried Spouse.

Utkal Grameen Bank Personal Loan for Government Employees

  • Personal Loans for Government Employees offered at low-interest rates.
  • There is a special offer of choosing the tenure for the loan.
  • No processing fee.
  • Apply by visiting the nearby Utkal Grameen Bank Loan Branch.
  • Also, call at 9878981166.

Utkal Grameen Bank Personal Loan Balance Transfer

Personal Loan Balance Transfer means shifting your personal loan from one lending foundation to another. It will be beneficial to pay the foreclosure charges connected with that loan. Few benefits are the following:

  1.  The Interest Rate is low.
  2. Extended Tenure for the Repayment
  3. Get additional features associated with your Loan i.e., no processing fee, etc. based on the CIBIL score.

Utkal Grameen Bank Personal Loan Top Up

Top up facility on your loan is the secondary amount that you have borrowed from the bank. You can avail of this facility if and only if you have paid 9 successive EMIs at least without any hindrances in the payment.

How to Apply Online for Utkal Grameen Bank Personal Loan?

Apply for DCB Bank Personal Loan online by visiting the DCB Bank’s online portal. Just fill the form for the DCB Bank Personal Loan application:

  • Visit the Dialabank website and 
  • Just fill the Application form and submit it.
  • Our relationship managers will call you back and will explain to you all the procedure

Utkal Grameen Bank Personal Loan Status

You can check the status of your Utkal Grameen Bank Personal Loan by the following methods – 

  •  Visit your loan branch and ask the banker for the same.
  • Log In to the DCB Bank Netbanking Portal.
  • Press on loans from the top ribbon and click on Enquire to check the status of your loan.
  • Type ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker webpage of DCB Bank, and fill the required information to check the status of your loan.

FAQs About Utkal Grameen Bank Personal Loan

What is Utkal Grameen Bank Personal Loan?

Utkal Grameen Bank offers you personal loans to fulfill any of your financial needs being it wedding expenses to utility bills and higher education etc. It is very simple as it requires minimal documentation with an interest rate ranging from 14.5% to 17.25%

What is the Personal Loan rate of interest in Utkal Grameen Bank?

The interest rate in Utkal Grameen Bank for a personal loan is 9.99%.  For checking the updated Utkal Grameen Bank Interest Rates visit us at Dialabank‘s digital platform.

What is the procedure of Personal Loan in Utkal Grameen Bank?

The steps to avail a personal loan with Utkal Grameen Bank is trouble-free. Apply for Utkal Grameen Bank personal loan by visiting the nearby branch with your necessary documents, through a Utkal Grameen Bank ATM. You can also contact and apply with Dialabank for personalized assistance. The steps include:

  1. As per your necessity, the Calculation of the loan amount is required.
  2. Checking your loan eligibility online or visit the branch.
  3. Approaching the bank with your preferred method. It can be online or offline.
  4.  The required documents with the banker have to be submitted.
  5. The expense of the loan amount once your application and documents have been verified and approved.

How can I get Utkal Grameen Bank Personal Loan?

Getting a Personal Loan from Utkal Grameen Bank is a simple process as minimal documents ensure a quick expense time. You have to check your eligibility status. You can contact the bank either online or by visiting the nearby branch. After submission and verification of the required documents, the loan amount will be credited to your bank account within 4 hours.

How to apply for Personal Loan in Utkal Grameen Bank?

A personal loan is an unsecured loaning option that could be used to meet all your financial needs. You can apply for a personal loan with Utkal Grameen Bank with minimal documentation and get a loan amount at a faster rate. You can also apply with Dialabank to avail of personalized guidance and get the best deals and offers.

Why apply for Utkal Grameen Bank personal loan?

Utkal Grameen Bank is one of the leading and trusted agents of personal loans in India, it offers the best loan options that come with a different array of features and attributes. They provide personal loans at low-interest rates with minimum documents for an easy and trouble-free process. The average expense time for a new customer is 4 hours. Loan Repayment can be done through EMIs or through online payment options as preferred. Repayment tenure ranges between 12 to 60 months.

How much EMI on Utkal Grameen Bank Personal Loan?

EMI (Equated Monthly Installment) is the amount payable to the bank every month as repayment of your personal loan. The EMI on Utkal Grameen Bank personal loan depends on the loan amount, interest rate, and the tenure of the loan. It can easily be calculated using the EMI calculator on Dialabank‘s website.

How much CIBIL score required for Utkal Grameen Bank personal loan?

 Utkal Grameen Bank requires a CIBIL score in excess of 750 with 700 being the absolute lower limit. You can increase your CIBIL score by making timely payments of your EMIs and credit cards.

Minimum credit score needed for Utkal Grameen Bank personal loan?

A credit score is a 3 digit number between the range of 300-900 which reflects the creditworthiness of the borrower. It is based on your past credit files and your performance in the repayment of your loans. Utkal Grameen Bank requires you to have a minimum credit score of 750 to become eligible for a personal loan.

How to calculate Utkal Grameen Bank personal loan EMI?

EMI on personal loan can be calculated using the formula, E = P x R x [(1+R)^N] / [(1+R)^N-1] where,

P= Principal or your loan amount, 

R= Rate of interest, and 

N= Loan Tenure. 

You can easily calculate your EMI online at Dialabank‘s website for free and compare offers from different banks and finance companies.

What can I use Utkal Grameen Bank personal loan for?

Utkal Grameen Bank Personal loan can be used for various expenses like weddings, utility bills, repair or reform your house, higher education, to start a new business, etc.

  You can now fulfill all your monetary needs with a personal loan by applying online at Dialabank’s digital platform.

How to prepay Utkal Grameen Bank personal loan?

Steps to prepay your Utkal Grameen Bank personal loan:

  • Collect the required documents (PAN, Id proof, and any other loan documents)
  • Visit your loan branch and ask for the balance and any pre-closure charges or penalties. 
  • You will be prompted to fill a form requesting the prepayment of the loan. 
  • Pay the prepayment amount (cash up to Rs.49000, Cheque, or DD) and take its acknowledgment. 
  • Your loan will be closed as soon as the bank receives the fund.

How to repay Utkal Grameen Bank personal loan online?

You can pay your personal loan EMI online in just 5 steps:

  • Visit the payments page on Utkal Grameen Bank’s website or website of Dialabank
  • Click on ‘PAY ONLINE’ and enter your ‘Loan No.’ and ‘Date of Birth’. 
  • Select your net banker from the drop-down menu and click on PAY. 
  • You will be securely redirected to the bank payment interface of your chosen net banking option. 
  • Complete the payment and you will receive an online transaction confirmation. You can also pay your RBL Bank personal loan on Paytm.

What documents are needed for Utkal Grameen Bank personal loan?

Utkal Grameen Bank provides easy hassle-free personal loans with minimal documents. You will need your Aadhar card/Voter ID, PAN card, Bank statement of the last 3 months, and the latest salary slips/ITR file. For more information and personalized assistance,

You can contact Dialabank’s financial helpline 9878981166.

Other Banks For Personal Loan

Baroda UP Gramin Bank Personal Loan
Baroda Gujarat Gramin Bank Personal Loan
Bangiya Gramin Vikas Bank Personal Loan
Assam Gramin Vikash Bank Personal Loan

Table of Contents

Menu